
Doing your own taxes is a total nightmare.
Most software costs too much and feels way too hard to learn.
You just want to track your money without a headache.
Wave is a free tool that can solve these problems fast.
It makes sending invoices and tracking expenses very simple.
You do not need to be a math genius to use it.
Our guide shows you exactly how to use Wave to get started today.
You will feel like a pro in just a few minutes.
Let’s get your negócios organized right now.

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Wave Tutorial
Getting started with Wave is easier than you think.
First, set up your free account and link your bank.
This lets the software automatically track your spending.
Next, we will show you how to create professional invoices and quickly organize your business receipts.
How to Use Account Reconciliation
Pequena empresa owners need smart solutions to focus on growth.
You must access your bank transactions to get rid of every error. This point is vital.
You will match online payments, bills, and other transactions to catch mistakes.
Follow these tips to ensure every payment is correct.
Step 1: Start a New Reconciliation
- Navigate to the sidebar and click on Contabilidade.
- Select Reconciliation from the dropdown menu to view your accounts.
- Choose the specific bank account or credit card you want to check.
- Click on Get Started or New Reconciliation to begin the process.
Step 2: Enter Statement Details
- Grab your physical or digital bank statement for the month.
- Find the Ending Balance and the Ending Date on your statement.
- Enter these exact numbers into the Wave reconciliation screen.
- Click Next to verify your dados and view the transaction list.

Step 3: Match Transactions
- Look at the list of charges on your screen.
- Check the box next to every item that matches your bank statement.
- Watch the “Difference” number at the top of the page.
- Keep checking boxes until the difference reaches $0.00.
- Click Save to finish reconciling your month.
How to Use Expense Tracking
Running a business is hard work.
Many people face tax issues for years because they lose receipts.
You must avoid this mess. It takes a bit of time to set up, but Wave runs the checks for you.
You can view where money goes and share data easily.
Read these steps to make your life easier.
This simple process works great.
Step 1: Connect Your Bank Account
- Navigate to the left-hand menu on your dashboard.
- Click on Banking and then select Connected Accounts.
- Choose your specific bank from the secure list.
- Enter your online banking login details to link the data.
- Select the checking or savings accounts you want to import.
Step 2: Classify Your Transactions
- Go to the Contabilidade tab and click on Transactions.
- Look at the list of imported spending from your bank.
- Click on a specific transaction to open the details.
- Select a Category (like “Office Supplies” or “Rent”).
- Wave learns your habits and will categorize similar items automatically next time.

Step 3: Upload Receipts
- Download the Wave mobile app or use the desktop version.
- Take a clear photo of your paper receipt.
- Upload the image to the Receipts section in the menu.
- Wait for Wave to scan the numbers and date for you.
- Click Verify to save the expense to your books officially.
How to Use Multi-Currency Support
Selling to people in other countries is a great way to grow your business.
But dealing with different money types can be confusing and hard.
You do not need to do the math yourself every time.
Wave handles the exchange rates automatically for you.
This tool lets you send bills in Euros, Pounds, or Pesos easily.
It keeps your records accurate without extra work.
You can now do business globally without stress.
Step 1: Add a New Currency
- Scroll to the bottom of the menu & click Settings.
- Look for the Currencies section in the list.
- Click the button that says Add Currency.
- Select the specific money type you need from the dropdown list.
- Click Save to add it to your system.
Step 2: Assign Currency to a Customer
- Go to the Sales tab, then click Customers.
- Click Add a customer to make a new profile or edit an old one.
- Find the Currency field in their profile settings.
- Change it from your home currency to their local currency (like Euros).
- Click Save to update the customer profile.

Step 3: Create a Foreign Invoice
- Go to Invoices and click Create New.
- Select the global customer you just set up in Step 2.
- Notice that the invoice automatically switches to their currency symbols.
- Enter your prices (Wave estimates the exchange rate for your reports).
Click Send to email the invoices to your client.
Alternatives to Wave
Se o Wave não atender completamente às suas necessidades, aqui estão algumas alternativas ao Wave para você considerar:
- Puzzle IO: Este software foca-se no planeamento financeiro com recurso a inteligência artificial.
- Destreza: Essa ferramenta é ótima para capturar documentos e extrair dados.
- Xero: Este é um software de contabilidade online popular para pequenas empresas.
- Snyder: É especializada em sincronizar dados de comércio eletrônico e de pagamentos com softwares de contabilidade.
- Fim de mês tranquilo: Este software foi desenvolvido para simplificar suas tarefas financeiras de fim de mês.
- Docyt: Utiliza inteligência artificial para a contabilidade e automatiza os fluxos de trabalho financeiros.
- Sábio: Este é um pacote completo de software para negócios e contabilidade.
- Zoho Books: Uma ferramenta de contabilidade online, conhecida por ser acessível e ótima para pequenas empresas.
- Acelerar: Uma ferramenta popular de gestão de finanças pessoais que ajuda a organizar orçamentos.
- Hubdoc: É especializada na captura e organização de documentos financeiros para fins de contabilidade.
- Despesar: Este aplicativo é focado na gestão de despesas, facilitando o rastreamento e o envio de recibos.
- QuickBooks: Um software de contabilidade muito conhecido que auxilia empresas em tudo, desde faturamento até folha de pagamento.
- Entrada automática: Essa ferramenta automatiza a entrada de dados através da digitalização e análise de documentos como faturas e recibos.
- FreshBooks: Este software foi desenvolvido especificamente para freelancers e pequenas empresas, com foco em faturamento e controle de tempo.
- NetSuite: Uma suíte de gerenciamento empresarial completa e poderosa, baseada na nuvem, para grandes empresas.
Onda Comparada
- Wave vs Puzzle IOEste software foca-se no planeamento financeiro para startups com auxílio de inteligência artificial. Existe uma versão equivalente para finanças pessoais.
- Onda vs DextEsta é uma ferramenta empresarial para capturar recibos e faturas. A outra ferramenta rastreia despesas pessoais.
- Onda vs XeroEste é um software de contabilidade online popular para pequenas empresas. Seu concorrente é voltado para uso pessoal.
- Onda vs SnyderEsta ferramenta sincroniza dados de comércio eletrônico com softwares de contabilidade. Sua alternativa foca em finanças pessoais.
- Onda vs Fim de Mês FácilEsta é uma ferramenta empresarial para agilizar as tarefas de fechamento mensal. Seu concorrente é voltado para a gestão de finanças pessoais.
- Onda vs DocytEsta utiliza IA para contabilidade e automação empresarial. A outra utiliza IA como assistente de finanças pessoais.
- Onda vs SábioEste é um pacote completo de software para contabilidade empresarial. Seu concorrente é uma ferramenta mais fácil de usar para finanças pessoais.
- Wave vs Zoho BooksEsta é uma ferramenta de contabilidade online para pequenas empresas. Seu concorrente é voltado para uso pessoal.
- Onda vs. AcelerarAmbas são ferramentas de finanças pessoais, mas esta oferece um acompanhamento de investimentos mais detalhado. A outra é mais simples.
- Wave vs HubdocEsta ferramenta é especializada na captura de documentos para contabilidade. Seu concorrente é uma ferramenta de finanças pessoais.
- Onda vs. ExpensifyEsta é uma ferramenta de gestão de despesas empresariais. A outra serve para controlar e orçar despesas pessoais.
- Wave vs QuickBooksEste é um software de contabilidade bastante conhecido para empresas. Sua alternativa foi desenvolvida para finanças pessoais.
- Entrada por onda vs. Entrada automáticaEsta ferramenta foi projetada para automatizar a entrada de dados na contabilidade empresarial. Sua alternativa é uma ferramenta de finanças pessoais.
- Wave vs FreshBooksEste é um software de contabilidade para freelancers e pequenas empresas. Existe uma alternativa para finanças pessoais.
- Wave vs NetSuiteEste é um poderoso pacote de gerenciamento empresarial para grandes empresas. Seu concorrente é um aplicativo simples de finanças pessoais.
Conclusão
Wave helps you take control of your business money.
You do not need to be an expert to use it well.
We showed you how to track your spending and easily fix mistakes.
We also looked at how to get paid in other currencies.
This tool takes the heavy stress out of tax season.
Your financial records will be clean and safe from now on.
You can finally stop worrying about messy spreadsheets.
The best part is that it costs nothing to start. Go set up your account today.
Your future self will thank you for being organized.
Perguntas frequentes
Is WaveApps completely free?
Wave offers a robust Plano Inicial that is completely free. It includes unlimited invoicing, expense tracking, and basic reportagem. However, they recently introduced a Plano Pro (approx. $16/month) which is required for automated bank import features and live support. Payroll and payment processing fees are extra.
Is WaveApps better than QuickBooks?
For freelancers and micro-businesses, Wave is often better because it is simpler and free. QuickBooks is superior for larger businesses requiring inventory management, complex payroll, or auditoria trails. Wave is the “lite,” user-friendly alternative; QuickBooks is the heavy-duty industry standard.
Does Wave App report to the IRS?
Yes, regarding payment processing. If you accept payments through Wave (Wave Payments) and meet the IRS thresholds, Wave automatically files Form 1099-K with the IRS and sends you a copy. However, it does not file your annual income tax return (like Schedule C) for you.
What are the drawbacks of Wave Accounting?
Wave has limitations: it lacks inventory management, project management features, and audit trails. Additionally, the free plan does not include live customer support (only chatbot), and recent updates moved automatic bank syncing to the paid Pro plan.
How does the Wave app work?
Wave is a cloud-based financial platform. You create an account, connect your bank (on Pro) or upload statements, and categorize transactions as “Income” or “Expense.” It compiles this data into reports like Profit & Loss statements, making tax time significantly easier for non-accountants.
Is Wave easy to use for beginners?
Extremely. Wave is built specifically for non-accountants. Its dashboard is clean, jargon-free, and intuitive. Unlike traditional software that requires contabilidade knowledge, Wave focuses on simple workflows: “Send Invoice,” “Add Expense,” and “View Report.
How much does it cost to use Wave?
O Plano Inicial is $0/month. The Plano Pro is roughly $16/month (billed monthly) or $170/year. Payroll services start at a base fee of $40/month plus $6 per employee. Credit card processing fees are standard industry rates (approx. 2.9% + $0.60 per transaction).
More Facts about Wave Software
- WAVE is a set of tools designed to help you make websites easier for everyone to use.
- The tool cannot decide on its own if a website is perfect; a human still needs to make the final decision.
- It is easy to use. You can check a webpage just by typing in its address.
- You can add WAVE to Chrome, Firefox, or Edge browsers to check pages directly on your computer.
- WAVE adds small icons to the webpage to provide information about accessibility.
- If you see red icons, it means there are errors you need to fix.
- It helps you follow important accessibility guidelines, such as WCAG 2.2, to ensure your site works for everyone.
- It helps you check things that computers can’t understand, like whether a picture has a good description.
- You can turn off the website’s design (CSS) to see the page structure clearly.
- WAVE checks the page after it has fully loaded to give you an accurate report.
- The tool is designed for use by people with disabilities.
Wave (The Contabilidade & Finance App)
- You can create reports to see how much profit your projects are making.
- Wave Payments lets your clients pay bills with credit cards, bank transfers, or Apple Pay to help you get money faster.
- The Pro Plan lets you link your business bank account so transactions appear automatically.
- Scanning receipts helps you prepare for taxes by saving the proof right next to your purchase records.
- The mobile app can read texto from your receipts and sort them into the right projects for you.
- You can create your own income & expense groups to organize your spending.
- It is a good idea to keep your business money and personal money separate when using this tool.
- Wave is built for freelancers and pequenas empresas, offering free tools for accounting and sending invoices.
- You can let partners view or edit your data without giving them your password.
- To start, you sign up with a business email and set up your company’s look, like your logo and colors.
- Isso permite pequenas empresas owners create professional-looking invoices and accept online payments.
- The software is simple and made for people running their own businesses at any stage.
- You can easily track your cash flow & read important business reports.
- There is a Google Sheets tool that lets you move your customer and product data in and out of Wave.
- You can add buttons to your invoices so customers can pay by card or bank transfer.
- If a customer needs a refund, you can issue a full or partial refund.
- If you type in a transaction that the bank also sends automatically, you might see the same entry twice.













