Wave

Wave is a free, cloud-based accounting solution designed for small businesses, freelancers, and consultants. It manages invoices, expense tracking, and bank reconciliation without monthly fees. Users can add paid features like payroll or premium support as needed. Simple financial reports give insight into cash flow, while integration with payment gateways eases online transactions. Though advanced inventory or multi-currency might be limited, Wave’s zero-cost approach suits side hustles or startups needing straightforward bookkeeping tools.