After creating your account, everything is set up so you can get started. Your data is always available, and backed up for extra peace of mind. Wave Money is currently available to single-owner businesses in the United States with a Wave account. Once you create an account, we’ll notify all new eligible businesses by email. You’ll be able to download the Wave mobile app directly from your email or you can learn more within your Wave account.

• Your data is always available, and backed up for extra peace of mind.
• This includes qualified dividend income which is taxed at capital gains rates.Wondering what the limitation is for?
• Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.
• See sent, viewed, paid and overdue invoices in one place so you know which clients are on the right track or need a nudge.

Since you are self-employed you don’t have the resources of a large company to make sure you are paid properly and your books are balanced. Wave accounting software is the solution you need to take charge of your business and keep your hard-earned income safe. Accounting software like Wave can can a capital loss carry over to the next year also seamlessly connect with your bank accounts so you can automate tasks like recording transactions and generating reports. This can help you save time and make financial decisions quickly. Accounting software helps business owners understand how money flows in and out of their businesses.

Save time with recurring payments

Whenever a payment is due, your customers will get an email reminder. Our servers are protected physically and electronically. Any connections between you, your bank accounts, and Wave are protected by 256-bit SSL encryption. We built our Payroll tool for small business owners, so it’s easy to use AND teaches you as you go. Create your free account and start accepting online payments now.

Our money management tools are easy to use separately and more powerful together. Email invoices with a secure “Pay Now” button after you’ve enabled the online payments option. Online payments allows you to get paid quickly by bank deposit, credit card, and Apple Pay.

Unlimited accounting, 100% free

Wave is PCI Level-1 certified for handling credit card and bank account information. Allow your customers to pay your invoices immediately via credit card, secure bank payment (ACH/EFT), or Apple Pay. You’ll both appreciate the speed and convenience. Don’t worry, we won’t take it personally.The truth is, QBI deductions tend to come with a lot of WTFs. It’s a complicated topic to break down and apply to your business, and the process of calculating your deduction (if you get one) can be tough to figure out.Fortunately, Wave can help. Not only are those daunting calculations made easier with accounting software that keeps you and your income totals up-to-date, but our Wave Advisors have been known to be QBI pros.

You’ll receive the money in your account in 1 business day (Canada), or 2 business days (US)1. If you’re on-the-go, you can also send invoices from your phone or other mobile device using the Wave app. Wave uses real, double-entry accounting software.

QBI deductions for SSTB’s

Create beautiful, custom invoices from templates with easy drag-and-drop editing. Add your logo, notes, and other personal touches. Safely hand off your books to your accountant by adding them as a limited user. Since Wave uses accountant-approved, real double entry accounting, your accountant will have all the information they need. You can also email exported financial statements and reports directly from Wave.

Impress your customers with professional invoices

Get your money faster when you offer customers the ability to pay directly from your invoices, starting at 2.9% + 60¢ per card transaction. Set up recurring invoices for your finance clients and safely store credit card info so you have one less thing to keep track of. See sent, viewed, paid and overdue invoices in one place so you know which clients are on the right track or need a nudge.

See all Wave app features

Create beautiful, free invoices that reflect your business branding. Automate overdue reminders, set up recurring bills, and add notes or terms of service with ease. Simply email your customers an invoice and they can use the secure “Pay Now” button to send over your payment. Charge for a one-time compliance audit or ongoing site maintenance; you can schedule recurring invoices or send them manually whenever you need to. Make it easier for your customers to pay you right from their bank account. Know at a glance what’s happening with every invoice so you can take the right actions and manage your cash flow best.

You’ll also experience peace of mind knowing your personal financial information is backed-up and secure. The rate that you charge for your freelancing services can vary, so it’s important to get a grasp of market trends before sending your clients an invoice or quoting a price. Freelance rates can differ depending on experience level and industry. For example, the rate a freelance web developer charges may be different than that of a freelance graphic designer, because each freelancer specializes in a different area. A common issue when invoicing in Microsoft Word, Excel, or other DIY solutions is making calculation errors.

See all recurring billing features

A 1% fee is applied to the amount you withdraw from your available balance (minimum fee of $1), in addition to regular processing fees.. You can add features as you need them, such as bank account connections and real-time transaction updates, and you can easily make changes if your accounting or business requirements change. You can mark invoices paid on the spot, so your records are instantly up to date. Accept payments through credit cards and bank payments to get paid even faster, for a low, pay-per-use fee.

Let’s break down how the QBI deduction works for both, and what taxable income refers to. See pending and completed payments from project-based and quarterly clients in one dashboard to identify revenue ebbs and flows and plan accordingly. With the Pro Plan, automatically import, merge, and categorize your bank transactions.