Ramp vs Wave
Ramp and Wave are both accounting & finance tools. Ramp is aimed at small businesses and enterprise, while Wave is aimed at freelancers and small businesses. Ramp costs less, from $15/mo versus $19/mo for Wave. Both have a free plan.
| Pricing | Freemium · $15 | Freemium · $19 |
| Starting price | $15/mo | $19/mo |
| Free plan | Yes | Yes |
| Free trial | 30 days | — |
| Built for | Small businesses, Enterprise | Freelancers, Small businesses |
| Platforms | web, ios, android | web, ios, android |
| Country | US · 2019 | CA · 2010 |
| Rating | — | — |
Choose Ramp if
US startups and mid-market companies.
- Free core product
- Excellent automation
- Savings insights
Look elsewhere if: Non-US companies.
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.
Ramp vs Wave pricing
Ramp
- Free$0Cards, expenses, basic AP and AR
- Plus$15/user/moPlus platform fee; 20% off annually; multi-entity
- EnterpriseCustomWorkday/Oracle, global cards, dedicated AM
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
Ramp · Key features
- Free corporate cards with controls
- Expense automation with AI
- Bill pay and procurement intake
- Travel booking
- Price intelligence and savings insights
- Deep ERP integrations
Cons
- US-focused
- Requires eligibility
- Plus needed for advanced workflows
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
Ramp vs Wave: FAQ
Which is cheaper, Ramp or Wave?
Ramp starts at $15/mo and Wave at $19/mo. Both prices are checked on the vendors' own pricing pages.
Do Ramp and Wave have a free plan?
Yes, both Ramp and Wave have a free plan; paid plans add more usage and features.