---
title: "Wave vs Zoho Books - 2026 Comparison - Software Advice"
description: "Wave vs Zoho Books - See how these products stack up against each other with real user reviews, product feature comparisons and screenshots. Find out which one is best for your organization."
source_url: "https://www.softwareadvice.com/compare/18767-Wave-Apps/vs/392386-zoho-books/"
page_type: "comparison"
language: "en"
publication_date: "2026-10-30"
---

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Wave vs Zoho Books

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Updated October 30, 2026

# Wave vs. Zoho Books: 2026 Comparison

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Updated October 30, 2026

# Wave vs. Zoho Books: 2026 Comparison

Skip hours of research. Get your top 5 matches from an expert in 15 minutes, 100% free.

Free Expert Guidance

Real Human Advice

1M + Businesses Helped

Product comparison

Compare up to 3 products side-by-side

+

Add product

[](https://www.softwareadvice.com/product/18767-Wave-Apps/)

[Wave](https://www.softwareadvice.com/product/18767-Wave-Apps/)

4.4

[(1732)](https://www.softwareadvice.com/product/18767-Wave-Apps/reviews/)

Starting Price

$19.00per month

Free trial: Available

Free version: Available

Pros:

-   Free version
-   Invoicing features

Cons:

-   Limited customer support
-   Lack of advanced features

Who uses Wave

Based on 1732 reviews

-   Popular among: Small businesses
-   Most common industries: Professional Services (18%), IT & Software Development (11%) and Retail, Consumer Goods & Services (9%)
-   Top use cases: Billing and Invoicing (22%), Accounting (18%) and Small Business Accounting (9%)

78% of users recommend this product

[](https://www.softwareadvice.com/accounting/zoho-books-profile/)

[Zoho Books](https://www.softwareadvice.com/accounting/zoho-books-profile/)

4.4

[(683)](https://www.softwareadvice.com/accounting/zoho-books-profile/reviews/)

Starting Price

$20.00per month

Free trial: Available

Free version: Available

Pros:

-   Integration with other apps
-   Automated invoicing

Cons:

-   Customer service issues
-   High cost

Who uses Zoho Books

Based on 683 reviews

-   Popular among: Small businesses
-   Most common industries: IT & Software Development (23%), Professional Services (10%) and Finance & Accounting (9%)
-   Top use cases: Accounting (24%), Billing and Invoicing (21%) and Financial Reporting (10%)

76% of users recommend this product

[](https://www.softwareadvice.com/product/18767-Wave-Apps/)

Wave

4.4

[(1732)](https://www.softwareadvice.com/product/18767-Wave-Apps/reviews/)

[](https://www.softwareadvice.com/accounting/zoho-books-profile/)

Zoho Books

4.4

[(683)](https://www.softwareadvice.com/accounting/zoho-books-profile/reviews/)

+

Add product

Add product

## Wave vs Zoho Books: At a glance

* * *

Product ratings at a glance
|  | Wave | Zoho Books |
| --- | --- | --- |
| Overall rating | 4.4<br>1,732 reviews | 4.4<br>683 reviews |
| Ease of use | 4.5 | 4.4 |
| Value for money | 4.6 | 4.4 |
| Functionality | 4.2 | 4.3 |
| Customer support | 4.0 | 4.2 |
| Ease of deployment | 4.4 | 4.4 |

Best in comparison

## User interface

* * *

## Key features

Features selected based on 2,415 reviews from Insurance Accounting

* * *

Billing & Invoicing

N/A

Budgeting/Forecasting

N/A

Expense Tracking

N/A

Income & Balance Sheet

N/A

Invoice Processing

4.6

Multi-Currency

3.8

-   Customer Statements: 4.9
-   Reporting/Analytics: 4.9
-   For Small Businesses: 4.8
-   Online Invoicing: 4.7
-   Invoice Creation: 4.6
-   Invoice Processing: 4.6
-   Invoice Management: 4.6
-   Billing & Invoicing: 4.6
-   Customizable Branding: 4.6
-   Accounts Receivable: 4.5
-   Profit/Loss Statement: 4.5
-   Alerts/Notifications: 4.5
-   Invoice History: 4.5
-   Credit Card Processing: 4.5
-   Accounting: 4.5
-   Income & Balance Sheet: 4.5
-   Chart of Accounts: 4.5
-   Activity Dashboard: 4.5
-   Access Controls/Permissions: 4.5
-   Receipt Management: 4.5
-   Expense Tracking: 4.4
-   Status Tracking: 4.4
-   Electronic Payments: 4.4
-   Financial Reporting: 4.4
-   Recurring/Subscription Billing: 4.4
-   PCI Compliance: 4.4
-   ACH Payment Processing: 4.3
-   Accounts Payable: 4.3
-   Data Security: 4.3
-   Bank Reconciliation: 4.3
-   Accounting Integration: 4.3
-   Tax Management: 4.2
-   Data Import/Export: 4.2
-   General Ledger: 4.2
-   Fund Accounting: 4.2
-   Reporting & Statistics: 4.1
-   Financial Management: 4.0
-   Customizable Templates: 4.0
-   Automatic Billing: 3.9
-   Time & Expense Tracking: 3.9
-   Purchase Order Management: 3.8
-   Budgeting/Forecasting: 3.8
-   Multi-Currency: 3.8
-   Payroll Management: 3.6
-   Inventory Management: 3.5
-   Third-Party Integrations: 3.4
-   Project Accounting: 3.2
-   Fixed Asset Management: 3.1
-   Payroll Reporting: 1.9
-   Tax Compliance: 1.1

Billing & Invoicing

4.4

Budgeting/Forecasting

4.0

Expense Tracking

4.4

Income & Balance Sheet

4.6

Invoice Processing

N/A

Multi-Currency

4.1

-   Electronic Payments: 5.0
-   Approval Process Control: 4.9
-   Reporting & Statistics: 4.8
-   Profit/Loss Statement: 4.8
-   Invoice Creation: 4.7
-   Data Security: 4.7
-   Financial Management: 4.7
-   Quotes/Estimates: 4.6
-   Data Import/Export: 4.6
-   Invoice History: 4.6
-   Sales Tax Management: 4.6
-   Purchase Order Management: 4.6
-   Invoice Processing: 4.6
-   Income & Balance Sheet: 4.6
-   Payment Processing: 4.6
-   Online Invoicing: 4.5
-   Reporting/Analytics: 4.5
-   Financial Reporting: 4.5
-   Accounting: 4.4
-   Project Accounting: 4.4
-   Expense Tracking: 4.4
-   Billing & Invoicing: 4.4
-   API: 4.3
-   Accounts Payable: 4.3
-   Receipt Management: 4.3
-   Workflow Management: 4.3
-   General Ledger: 4.3
-   Customizable Templates: 4.3
-   Contact Database: 4.3
-   Accounts Receivable: 4.2
-   Customizable Invoices: 4.2
-   Bank Reconciliation: 4.2
-   Expense Claims: 4.1
-   Audit Trail: 4.1
-   Multi-Currency: 4.1
-   Online Payments: 4.0
-   Inventory Management: 3.9
-   Tax Management: 3.6
-   Time & Expense Tracking: 3.3

### Wondering if these products fit your needs?

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LexiAdvisor for 8 years

### Wondering if these products fit your needs?

Skip the manual research. Talk to a real advisor like Lexi to get a 100% free, personalized shortlist in 15 minutes.

LexiAdvisor for 8 years

## Integrations

* * *

[

ZapierNot enough reviews

](https://www.softwareadvice.com/cloud-management/zapier-profile/)[

ShoeboxedNot enough reviews

](https://www.softwareadvice.com/accounting/shoeboxed-profile/)[

Microsoft OutlookNot enough reviews

](https://www.softwareadvice.com/marketing/microsoft-outlook-profile/)

-   PayPal Payments

[

SlackNot enough reviews

](https://www.softwareadvice.com/remote-support/slack-profile/)[

ZapierNot enough reviews

](https://www.softwareadvice.com/cloud-management/zapier-profile/)[

Zoho ExpenseNot enough reviews

](https://www.softwareadvice.com/accounting/zoho-expense-profile/)

-   Avalara
-   Stripe Payments
-   Zoho Projects
-   Zoho CRM
-   Microsoft 365
-   Worldpay for Enterprise
-   Zoho Inventory
-   Evernote Teams
-   OneDrive
-   PayPal Payments
-   Zoho People
-   Zoho Analytics
-   Google Workspace
-   Zoho Flow
-   Zoho Sign
-   TBD
-   authorize.net
-   Box
-   Dropbox
-   Zoho Billing
-   CSG Forte
-   Twilio
-   Zoho Invoice
-   Square Point of Sale
-   Payoneer
-   Yearli
-   Tax1099.com

## Reviews

* * *

Positive review:

SE

Sai Teja E.

Construction Project Manager

Construction, 2-10 employees

"It is helpful for small businesses because the layout is straightforward and it does not take much time to create invoices, record payments, and review financial information."

May 29, 2026

Negative review:

EK

emir k.

Principal

Environmental Services, 2-10 employees

"They did not provide a clear explanation, did not request specific verification documents before holding the payment, and did not give me a meaningful opportunity to resolve the issue."

Jun 25, 2026

Positive review:

NC

Nilsa C.

Music Therapist, Owner

Health, Wellness and Fitness, Self-Employed

"The invoices are super professional and at the end of the month I download the data and categorize it as needed."

May 24, 2026

Negative review:

SE

Sai Teja E.

Construction Project Manager

Construction, 2-10 employees

"Reporting and customization options could be better, and customer support response times can sometimes be slower than expected."

May 29, 2026

Positive review:

EE

Eric E.

IT Consultant

Higher Education, 2-10 employees

"It's also got some great year-end reporting, which helps me compare my billings against the 1099 files I receive from my clients."

Nov 27, 2025

Negative review:

CB

Craig B.

Owner

Accounting, 2-10 employees

"Accounting is free - but now they are removing features from the "Free Accounting" package and charging for them - auto import of bank transactions."

May 7, 2026

[Read all reviews](https://www.softwareadvice.com/product/18767-Wave-Apps/reviews/)

Positive review:

Ritvik V.

Owner and E-Commerce Operations Manager

Consumer Electronics, 2-10 employees

"I mainly used it to manage and track company expenses, and the automatic bank connection saved me a lot of time."

Aug 20, 2026

Negative review:

JD

John D.

Financial Controller

Public Relations and Communications, 51-200 employees

"Then there's just loads of small annoying things - you can't apply a credit to an invoice in a locked period even though it doesn't touch any actual transactions, you can't relink a bank payment to a different invoice once it's reconciled, and project search only works if you type the name exactly right in the right order."

Jul 30, 2026

Positive review:

PR

Pupp R.

Owner

Events Services, 2-10 employees

"As with all Zoho products, the user interface is straightforward enough to do basic accounting and tracking without needing any specialised knowledge."

Jul 29, 2026

Negative review:

JD

John D.

Financial Controller

Public Relations and Communications, 51-200 employees

"Invoice numbers sort as text not numbers too, so your list goes 1, 10, 2, 21, 3 instead of actual order, which sounds minor but is so annoying when you're trying to find something."

Jul 30, 2026

Positive review:

NH

Nguyen H. H.

Deputy Service Manager

Facilities Services, 11-50 employees

"It's helped us to be able to organize payments, contracts, invoices without paperwork amassing."

Jun 7, 2026

Negative review:

JD

John D.

Financial Controller

Public Relations and Communications, 51-200 employees

"I don't know why it can't just run a general ledger for all unique lines with all possible fields."

Jul 30, 2026

[Read all reviews](https://www.softwareadvice.com/accounting/zoho-books-profile/reviews/)

## Customer support

* * *

Wave

Email/Help Desk: Available

FAQs/Forum: Available

Knowledge Base: Available

Phone Support: Not available

24/7: Not available

Chat: Available

Zoho Books

Email/Help Desk: Available

FAQs/Forum: Available

Knowledge Base: Available

Phone Support: Available

24/7: Not available

Chat: Available

## Training options

* * *

Wave

In Person: Available

Live Online: Available

Webinars: Available

Documentation: Available

Videos: Available

Zoho Books

In Person: Available

Live Online: Available

Webinars: Available

Documentation: Available

Videos: Available

## Send this comparison chart to my inbox

## Popular Comparisons

* * *

[PayPal Payments vs Wave](https://www.softwareadvice.com/compare/18767-Wave-Apps/vs/104664-paypal/)[PayPal Payments vs Zoho Books](https://www.softwareadvice.com/retail/paypal-profile/vs/zoho-books/)