Nuvio vs Wave
Nuvio and Wave are both accounting & finance tools. Nuvio is aimed at small businesses and freelancers, while Wave is aimed at freelancers and small businesses. Wave costs less, from $19/mo versus $55/mo for Nuvio. Only Wave has a free plan.
AI finance app for startups with optional bookkeeping and tax service
Free accounting and invoicing for freelancers
| Pricing | Paid · $55 | Freemium · $19 |
| Starting price | $55/mo | $19/mo |
| Free plan | No | Yes |
| Free trial | 14 days | — |
| Built for | Small businesses, Freelancers | Freelancers, Small businesses |
| Platforms | web | web, ios, android |
| Country | CA | CA · 2010 |
| Rating | — | — |
Choose Nuvio if
Early-stage founders in the US or Canada who want AI-run finance admin with the option of a human accountant.
- Approval step before the AI saves any change
- Software and human bookkeeping from one vendor
- Works with external agents through MCP
Look elsewhere if: Companies that need full double-entry accounting with a large app marketplace or the lowest possible cost (QuickBooks, Wave).
Choose Wave if
North American freelancers and micro-businesses on a tight budget.
- Free core accounting
- Simple and approachable
- Good for solo founders
Look elsewhere if: Growing companies or businesses outside the US and Canada.
Nuvio vs Wave pricing
Nuvio
- App Only$55/mo10 bank accounts, 100 GB storage, 5,000 AI assistant credits
- App & Bookkeeping$249/moApp plus bookkeeping by an assigned accountant (US and Canada)
- Bookkeeping + Tax$549/moAdds tax filing and up to 4 tax advisory calls a year
Wave
- Starter$0Unlimited invoices, estimates, bookkeeping
- Pro$19/mo$190/yr billed annually; auto-import bank transactions
- Payments2.9% + $0.60/per cardPer card transaction on Starter; 3.4% + $0.60 Amex
- Wave Advisorsfrom $149/moDedicated bookkeeper, includes Pro features
Nuvio · Key features
- Invoicing with automatic follow-ups on overdue invoices
- AI receipt and invoice scanning with expense categorization
- Bank account linking and AI bank reconciliation
- Cash position dashboard with a forecast
- Plain-language questions about your finances
- AI assistant that drafts changes and asks for approval before saving
Cons
- Bookkeeping and tax services only for US and Canadian companies
- No annual pricing shown
- No mobile app on the website
Wave · Key features
- Free invoicing and estimates
- Double-entry accounting and reports
- Bank connections and transaction import
- Receipt capture (Pro)
- Card and bank payments
- Payroll add-on in US and Canada
Cons
- US and Canada focus
- Limited features and integrations
- Support mostly paid
Nuvio vs Wave: FAQ
Which is cheaper, Nuvio or Wave?
Wave starts at $19/mo and Nuvio at $55/mo. Both prices are checked on the vendors' own pricing pages.
Do Nuvio and Wave have a free plan?
Nuvio has no free plan, a 14-day free trial. Wave has a free plan.