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Wave vs QuickBooks vs HelloBooks: Free Plans Compared | HelloBooks Wave, QuickBooks and HelloBooks free plans side by side: invoice caps, bank feeds and users, with each vendor’s pricing page linked and dated.

Wave vs QuickBooks vs HelloBooks, free accounting software comparison, Wave free vs QuickBooks free, United States.

Compare · Free plans

Wave vs QuickBooks vs HelloBooks: the free plans compared

Three free options, three different limits. Here is what each vendor’s own pricing page said when we read it, next to HelloBooks Free at $0/mo.

Start free, no credit cardEverything on the Free Plan

Free Plan with unlimited invoices, bills & quotes — no credit card.

The three free tiers

Wave’s free Starter plan has unlimited invoices but no bank feed. QuickBooks’ free tier allows 2 invoices a month. HelloBooks Free has unlimited invoices, bills and quotes, 1 live bank feed and 2 users.

Free accounting plans in the United States compared
SoftwareFree tierChecked
HelloBooks Free ($0/mo)Unlimited invoices, bills and quotes; 1 live bank feed; 2 users; free AI credits to get started. No credit card, no expiry.Our own plan
WaveWave’s free Starter plan has unlimited invoices but no bank feed.September 2026
QuickBooksQuickBooks’ free tier allows 2 invoices a month.September 2026

Which one fits

If you only send a couple of invoices a month, any of the three works. If you invoice more often, check the invoice cap. If you want transactions to arrive on their own, check the bank feed. If two people keep the books, check the user count.

What HelloBooks Free includes

The full list:

  • Unlimited invoices, bills and quotes
  • Unlimited email payment reminders
  • 1 live bank feed through Plaid, plus 2 manual bank or card accounts
  • 2 users
  • Free AI credits to get started (upgrade for more)
  • AP/AR aging, P&L, balance sheet and cash flow reports
  • iOS and Android app

Where HelloBooks Free stops

Free includes 1 live bank feed, 2 users and free AI credits to get started. Data export, recurring invoices and multi-currency are on paid plans, and invoices sent from Free carry a small “Powered by HelloBooks” badge. Starter is $14.99/mo; Pro is $39.99/mo.

How teams use HelloBooks

What HelloBooks does for businesses like yours

“AI categorizes every transaction automatically and learns from your corrections, so a small team keeps clean books without spending evenings on manual data entry.”
Small business · US
“For a practice managing dozens of client books, automated reconciliation turns a full day of matching into a background task — review the AI matches, approve, and move on.”
Accounting practice · US
“Snap a receipt on your phone and the AI reads, categorizes, and files it — bookkeeping stays current even for people who would rather not think about numbers.”
Freelancer · mobile-first

Illustrative scenarios describing what the product does for each business type — not attributed customer reviews.

FAQ

Frequently asked questions

Which free plan has a bank feed?
HelloBooks Free includes 1 live bank feed. Wave’s free Starter plan has unlimited invoices but no bank feed.
Which free plan has no invoice cap?
HelloBooks Free and Wave Starter do not cap invoices. QuickBooks’ free tier allows 2 invoices a month.
When were these facts checked?
Each vendor row shows the date we read its pricing page, with a link to the source.
Is it really free, and do I need a credit card?
Yes, it is a permanent $0 plan, not a trial. Sign up with an email; no card is collected and there is no end date.
What happens when the free AI credits run out?
Free includes free AI credits to get started. When they run out you can upgrade for more AI credits or keep categorizing by hand; paid plans can also top up with a credit pack. Invoices, bills, reports and your bank feed keep working either way.
Related

Keep exploring

free accounting software

Everything the Free Plan includes.

Every US free tier compared

Dated and sourced.

HelloBooks vs Wave

Two free plans, feature by feature.

HelloBooks vs QuickBooks

Free and paid tiers compared.

Switch from Wave

Step-by-step move.

Sources

Wave and QuickBooks are trademarks of their respective owners. HelloBooks is not affiliated with or endorsed by them.

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    Wave vs QuickBooks vs HelloBooks: Free Plans Compared | HelloBooks