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Zoho Books Free vs Wave Starter vs HelloBooks Free | HelloBooks Zoho Books Free, Wave Starter and HelloBooks Free side by side: invoice and turnover limits, bank feeds and users, dated and sourced.

Zoho Books free vs Wave, Zoho Books vs Wave vs HelloBooks, free accounting software comparison, United States.

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Zoho Books Free vs Wave Starter vs HelloBooks Free

Already comparing Zoho Books Free and Wave Starter? Add HelloBooks Free at $0/mo to the list. Here is what each vendor’s pricing page said when we read it.

Start free, no credit cardEverything on the Free Plan

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

The three free tiers

Zoho Books Free allows 1,000 invoices and 1,000 expenses a year, and only while turnover stays under $50K. Wave’s free Starter plan has unlimited invoices but no bank feed. HelloBooks Free has no invoice or turnover cap, and includes 1 live bank feed.

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
Zoho BooksZoho Books Free allows 1,000 invoices and 1,000 expenses a year, and only while turnover stays under $50K.September 2026
WaveWave’s free Starter plan has unlimited invoices but no bank feed.September 2026

How to choose

Zoho Books Free suits a business well under its turnover and invoice limits. Wave Starter suits someone happy to enter or upload transactions by hand. HelloBooks Free suits a business that wants a live bank feed and no cap on the ledger.

On HelloBooks Free

Included at $0:

  • 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

Limits on HelloBooks Free

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

Does Zoho Books Free have a turnover limit?
Zoho Books Free allows 1,000 invoices and 1,000 expenses a year, and only while turnover stays under $50K.
Does Wave Starter include a bank feed?
Wave’s free Starter plan has unlimited invoices but no bank feed.
Does HelloBooks Free cap invoices or turnover?
No. Invoices, bills and quotes are unlimited and there is no turnover limit.
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 Zoho Books

Two free plans compared.

Switch from Zoho Books

For users near the limits.

Switch from Wave

Step-by-step move.

Sources

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

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    Zoho Books Free vs Wave Starter vs HelloBooks Free | HelloBooks