⚡ Краткий вывод:
- Цены: Wave has two plans, a free Starter plan at $0 and a paid Pro plan at $19/month. Hubdoc runs on a single monthly subscription at $12/month.
- Лучше всего подходит для: Wave fits small business owners who want free бухгалтерский учет software. Hubdoc fits Xero users and bookkeepers who want to automate document capture.
- Ключевое отличие: Wave is full small бизнес accounting software. Hubdoc only collects and reads financial documents, then sends data to your accounting software.
- Наш выбор: We recommend Wave for most small business users because it runs your books, invoicing, and payments in one free platform.
Wave and Hubdoc both show up when you search for accounting software.
But they are not the same kind of tool.
Wave is free accounting software that runs your whole business.
Hubdoc is a document tool that feeds data to your books.
This Wave review and Hubdoc review will help you pick the right one.
By the end, you will know which tool fits your small business.
Обзор
This Wave vs Hubdoc comparison covers pricing, key features, and ease of use.
Мы также подробно разбираем, для кого лучше всего подходит каждый инструмент.
Our writers signed up for both and explored them hands-on.
Эти замечания приведены в разделах «Что заметила наша команда» ниже.
We also pulled details from each company’s documentation and G2 reviews.
Что такое Wave?
Wave is free accounting software for small business owners.
Wave Accounting supports over 2 million small businesses with money management features.
It helps you send invoices, track expenses, and manage cash flow.
The platform is cloud-based, so you can access it with any internet connection.
Wave makes accounting simple for people without a finance background.
It can even cover basic personal finance, though it targets small business.
Most users pick it for the free version and easy invoicing software.
Волна
Free accounting software with unlimited invoices and expense tracking. Wave runs invoicing, payments, and payroll in one place. Great for фрилансеры and small business owners.
Волновое ценообразование
Here is what Wave costs in 2026. Let’s break it down.
| План | Цена | Лучше всего подходит для |
|---|---|---|
| Стартовый план | $0 | Freelancers and new small business owners |
| План Про | 19 долларов в месяц | Owners who want auto import bank transactions and payment reminders |
Цена подтверждена в апреле 2026 года.
Бесплатная пробная версия: The free Starter plan is permanent. You can test core accounting features at no cost before moving to the paid Pro plan.
Гарантия возврата денег: Wave does not advertise a refund window. You can cancel the paid plan and drop back to the free plan anytime.
📌 Примечание: The paid pro plan is $19 per month or $190 annually at a discounted rate. Wave payroll is a separate add-on at $40 per month plus $6 per active employee or independent contractor.
⚠️ Предупреждение: Core accounting is free, but payment processing has additional costs. Expect 2.9% + $0.60 per credit card transaction and 1% for bank payments. Apple Pay is supported on invoices.
Key Benefits of Wave
Here is what makes Wave worth considering:
- Бесплатный стартовый план: The free plan includes unlimited invoices, expense management, and basic financial reports. There is no monthly fee for core accounting.
- Неограниченное количество пользователей: Wave allows unlimited users for free. You can add your bookkeeper or accountant without extra cost.
- Online Payments: Accept online payments by credit card and bank transfers. Customers can pay invoices fast, even with Apple Pay.
- Recurring Billing: Set up recurring invoices and automated payment reminders. This is handy for retainer clients and subscriptions.
- Payroll And Tax Filing: Wave payroll handles direct deposit and tax filing in select states. It pays employees and contractors from one screen.
- Multiple Companies: Manage multiple companies under one login. This suits owners who run more than one small business.
- Надежная защита: Wave uses up to 256-bit TLS encryption and PCI Level 1 compliance. Multi factor authentication adds another layer of account safety.
Что заметила наша команда
Наш писатель signed up for Wave and spent several days exploring the platform. Here is what stood out from that hands-on time:
Wave Pros & Cons
✅ Плюсы
- Free Starter plan with unlimited invoices and expense tracking
- Unlimited users free, unlike most paid accounting software
- Clean dashboard showing cash flow, income, and expenses
- Built-in payroll and online payments in one place
❌ Минусы
- No built-in time tracking, billable hours, or inventory
- Auto import bank transactions sits behind the paid Pro plan
- Support is limited to a help center and чат-бот on the free plan
Что такое Hubdoc?
Hubdoc is a cloud-based document management tool for бухгалтерский учет.
It captures receipts, bills, and financial documents in one place.
Hubdoc uses OCR to read vendor name, date, total, and tax.
It then sends that data to your online accounting software.
Hubdoc is cloud-based, not self hosted or on premise software.
As of 2026, Hubdoc is owned by Xero and works closely with QuickBooks В сети.
Хабдок
Hubdoc auto-fetches bills and statements, then reads them with OCR. It pushes clean data into Xero and QuickBooks Online. Built for bookkeepers and accountants.
Цены Hubdoc
Here is what Hubdoc costs in 2026. The pricing is simple.
| План | Цена | Лучше всего подходит для |
|---|---|---|
| Ежемесячная подписка | 12 долларов в месяц | Standalone users not on a bundled Xero plan |
Цена подтверждена в апреле 2026 года.
Бесплатная пробная версия: Hubdoc has a 30-day free trial. No credit card is needed to start, so you can test it for a full billing period first.
Гарантия возврата денег: There is no formal refund policy. You can cancel before the next billing period to avoid further charges.
📌 Примечание: Many Xero users get Hubdoc free or at a discounted rate, depending on their subscription level. This makes it cost-effective for accountants who already pay for Xero.
⚠️ Предупреждение: Hubdoc is not a full accounting package. You still pay for accounting software like Xero or QuickBooks Online to actually run your business.
Key Benefits of Hubdoc
Here is what makes Hubdoc worth considering:
- Автоматическая выгрузка документов: Hubdoc fetches bills and bank statements from vendors for you. This helps you save time and spend less time on manual data entry.
- Интеллектуальное извлечение данных: OCR pulls vendor name, date, total, and sales tax from receipts. Real time data flows into your books.
- Centralized Filing: It sorts documents into folders by vendor name. Hubdoc acts like a digital filing cabinet for your records.
- Интеграция программного обеспечения: Hubdoc integrates with Xero and QuickBooks Online. It also connects with other business apps and third party apps.
- Audit-Proof Records: It stores original financial documents for audit-proof record-keeping. Your accountant gets a full picture at tax time.
- Съемка с мобильного устройства: The mobile app lets you snap receipts on the go. Documents upload straight to the cloud.
- Взаимодействие пользователей: Give your bookkeeper or accountant access to shared documents. Multiple users can manage files together.
Что заметила наша команда
Our writer signed up for Hubdoc and tested its document capture for several days. Here is what stood out from that hands-on time:
Hubdoc Pros & Cons
✅ Плюсы
- Auto-fetches documents and reads them with OCR
- Deep integration with Xero and QuickBooks Online
- Often free or discounted with a Xero subscription
- Strong document storage for audit-proof records
❌ Минусы
- Not a full accounting package on its own
- OCR can make errors that need manual review
- The interface feels outdated and bank feeds can break
Сравнение характеристик
Ready to dive into a detailed comparison of Wave vs Hubdoc? These tools sit in the same accounting space but do very different jobs.
We will look at ten key features so you can match each tool to your business operations. Keep in mind that Wave runs the books while Hubdoc feeds them documents.
| Особенность | Волна | Хабдок |
|---|---|---|
| Начальная цена | $0 free plan | 12 долларов в месяц |
| Бесплатный план | ✅ | ❌ (30-дневный пробный период) |
| Выставление счетов | ✅ | ❌ |
| Отслеживание расходов | ✅ | ✅ (capture only) |
| Bank Transactions Sync | ✅ (Профессионал) | ✅ (fetch docs) |
| Финансовые отчеты | ✅ | ❌ |
| Обработка заработной платы | ✅ (дополнение) | ❌ |
| OCR Data Extraction | Basic receipt scanning | ✅ Продвинутый |
| Лучше всего подходит для | Free small business accounting | Document capture for Xero/QBO |
1. Основная цель
Волна: Wave is full small business accounting software. It handles invoicing, expense tracking, bank reconciliation, and reports. You can run your business books end to end without a second tool.
Хабдок: Hubdoc is a document tool, not standalone accounting software. It collects receipts and bills, reads them, and pushes the data to QuickBooks Online or Xero. You still need an accounting platform behind it. Hubdoc helps automate tasks like data entry and document collection.
⚠️ Предупреждение: If you only buy Hubdoc, you cannot run your business with it. It is a feeder for your real accounting software.
2. Выставление счетов
Волна: Wave allows unlimited invoices on the free plan. You can send customizable invoices, schedule recurring billing, and track open invoices. Automated payment reminders chase late customers for you. You can accept credit card payments and manage accounts receivable from one screen.
Хабдок: Hubdoc does not create or send invoices. Its invoicing features are limited to reading vendor invoices you receive. To send invoices, you rely on Xero or QuickBooks Online.
3. Expense Tracking and Receipts
Волна: Wave lets you track expenses and capture receipts with the mobile app. Receipt scanning syncs expense data with your books. It covers everyday expense tracking for most small business owners.
Хабдок: Hubdoc goes deeper on digital receipt capture. It uses OCR to read each document and auto merge the data into your accounting software. This reduces manual entry for high-volume bookkeeping records.
4. Bank Connections and Reconciliation
Волна: Wave connects your bank accounts to pull transactions automatically. The paid pro plan adds auto import bank transactions, which speeds up reconciliation. The free version needs more manual entry. Synced transactions usually appear within one to two business days.
Хабдок: Hubdoc fetches bank statements and bills directly from vendors. It does not reconcile by itself, but it supplies the source documents your accountant matches against bank transactions. Some users report feeds break and need a manual fix.
5. Financial Reporting
Волна: Wave generates financial reports like balance sheets and income statements. You can filter by date range to see profit and cash flow. Reports are solid for basics but lack advanced budgeting tools.
Хабдок: Hubdoc does not produce financial reports. Отчетность happens inside Xero or QuickBooks Online once Hubdoc has delivered the data. Think of it as the data source, not the report writer.
6. Document Management and Filing
Волна: Wave stores receipts tied to transactions, but it is not a document filing cabinet. You manage files within the accounting flow. There is no deep folder sorting by vendor.
Хабдок: This is where Hubdoc shines. It auto-files documents into folders by vendor name and keeps original copies for audit-proof record-keeping. Bookkeepers get unlimited bookkeeping records in one tidy place.
7. Payroll and Tax Filing
Волна: Wave offers accounting and payroll in one platform. Wave payroll handles direct deposit and supports payroll processing with W2 and 1099 forms. It gets each active employee or independent contractor paid from one screen. It files taxes in select states.
Хабдок: Hubdoc has no payroll feature. You cannot run payroll or pay bills from it. Payroll stays with your main accounting software or a separate payroll tool.
8. Интеграции
Волна: Wave integrates with fewer outside apps than rivals. Wave integrates well within its own platform, linking invoicing, payments, and payroll. But its third party apps list is shorter than QuickBooks or Xero.
Хабдок: Hubdoc is built to connect. It links tightly with Xero and QuickBooks Online, reportedly around 89% user satisfaction on integration. It plugs into the wider set of business apps accountants already use.
9. Мобильное приложение
Волна: The Wave mobile app lets you send invoices and track expenses on the go. It keeps the same clean feel as the desktop version. You can manage money from your phone with any internet connection.
Хабдок: The Hubdoc mobile app focuses on document capture. Snap a receipt and it uploads to the cloud, ready for data extraction. It is simple but does its one job well.
10. Security and Storage
Волна: Wave protects your data with up to 256-bit TLS encryption and PCI Level 1 compliance. Multi factor authentication guards your login. Your financial data lives safely in the cloud, giving peace of mind.
Хабдок: Hubdoc uses bank-level encryption to store sensitive financial documents. Files stay in secure cloud storage with backup. Security is a core selling point for accountant access and client records.
11. Ценообразование и стоимость
Давайте сравним тарифные планы.
| План | Волна | Хабдок |
|---|---|---|
| Бесплатно | Starter plan, $0 | ❌ (Только 30-дневный пробный период) |
| Оплаченный | Pro plan, $19/month | 12 долларов в месяц |
| Annual Option | $190/year for Pro | Billed monthly |
| Дополнения | Payroll from $40/month + $6/employee | Often free with Xero |
Волна: Wave wins on upfront cost. The free starter plan covers core accounting with no monthly fee. You only spend money on payment processing, the paid pro plan, or payroll.
Хабдок: Hubdoc costs $12 per month on its own. But many Xero users pay nothing extra because it comes bundled. Your real cost depends on your subscription level with Xero.
💡 Результат теста: Wave’s free plan saves you the most money if you need standalone accounting software. Hubdoc only makes sense if you already pay for Xero or QuickBooks Online.
Различные сценарии
| Если вам это нужно | Выбирать | Почему |
|---|---|---|
| Free accounting software | Волна | Permanent free starter plan |
| Document capture for Xero | Хабдок | Auto-fetch and OCR |
| Выставление счетов и платежи | Волна | Unlimited invoices, online payments |
| Audit-proof document storage | Хабдок | Sorts and stores originals |
| Payroll and tax filing | Волна | Built-in payroll add-on |
| Удобный для начинающих инструмент | Волна | Easy for non-accountants |
💰 Ваш бюджет
Wave’s free plan wins for tight budgets. Hubdoc costs $12 per month unless it is bundled with your Xero subscription.
🔌 Ваш технологический стек
If you already run Xero or QuickBooks Online, Hubdoc slots right in. If you have no accounting software yet, Wave gives you the full picture in one place.
📝 Ваш рабочий процесс
High receipt volume favors Hubdoc’s auto merge and data extraction. Simple income and expenses favor Wave’s all-in-one approach.
🎓 Ваш уровень опыта
Wave suits owners with no accounting background. Hubdoc assumes you or your bookkeeper already work inside a bigger accounting system.
🆓 Бесплатные пробные версии и демо-версии
Wave’s starter plan is free forever, so just sign up and test it. Hubdoc gives a 30-day free trial with no credit card required.
🛟 Варианты поддержки
Wave’s support is limited to a help center and chatbot on the free plan. Hubdoc support runs through Xero channels for connected accounts.
Руководство по переключению
Уже используете один из этих инструментов? Вот чего следует ожидать, если вы перейдете на него.
🔄 Switching from Wave to Hubdoc?
✅ Что вы получите:
- Automatic fetching of financial documents from vendors
- Stronger OCR data extraction and auto filing by vendor
- Deep links to QuickBooks Online and Xero
❌ Что вы потеряете:
- Free invoicing software and unlimited invoices
- Built-in payroll and online payments
- Financial reports and a free platform
📋 Как переключиться:
- Export your bookkeeping records and receipts from Wave
- Set up Xero or QuickBooks Online as your main books
- Connect Hubdoc and start fetching documents
🔄 Switching from Hubdoc to Wave?
✅ Что вы получите:
- A free version that runs your full books
- Invoicing, recurring invoices, and accept online payments
- Payroll, direct deposit, and tax filing in one tool
❌ Что вы потеряете:
- Automatic document fetching from vendors
- Advanced OCR and audit-proof filing by vendor
- Tight integration with Xero for accountant access
📋 Как переключиться:
- Download stored documents from Hubdoc
- Create a free Wave account and connect your bank accounts
- Import opening balances and start invoicing
Что не было рассмотрено в нашем обзоре
This comparison focused on individual users and small business owners. We did not test enterprise setups or deep multi-entity bookkeeping. Our notes are based on the April 2026 versions, so features may have changed since then. If you manage complex inventory, purchase orders, or heavy time tracking needs, your priorities may differ from what we covered here. Neither tool lets you track mileage out of the box.
Окончательный вердикт
| Категория | Победитель |
|---|---|
| 💰 Цены | Волна |
| 🚀 Основные функции | Волна |
| 📄 Захват документов | Хабдок |
| 🎯 OCR Accuracy | Хабдок |
| 👶 Простота использования | Волна |
| 🔌 Интеграции | Хабдок |
| 🏆 Общий победитель | Волна |
🏆 WINNER: WAVE
Wave wins 4 out of 6 categories.
Лучше всего подходит для: Freelancers, solopreneurs, and small business owners who want free accounting software with invoicing and payroll.
Wave and Hubdoc solve two different problems. Wave is a free accounting platform that runs your whole business. Hubdoc is a document tool that feeds data to other accounting software.
Hubdoc is excellent for bookkeepers and Xero users who drown in receipts. Its auto-fetch and OCR save real time at tax time. If document capture is your only pain, it is a strong pick.
But if you need software to actually run your business, Wave is the better choice. It gives small business owners invoicing, payments, payroll, and reports for free. That is why we recommend Wave for most readers comparing these two. This Wave accounting review found it the simplest path to free books.
More of Wave Compared
Here is how Wave stacks up against some of the лучшее программное обеспечение для бухгалтерского учета:
Волна побеждает в: free starter plan, unlimited users at no cost, simpler setup for beginners
QuickBooks выигрывает по следующим параметрам: advanced features, deeper third party apps, inventory and project tools
Волна побеждает в: zero monthly cost, free invoicing software, friendlier for non-accountants
Xero выигрывает по следующим показателям: daily bank feed each business day, richer reporting, more integrations and add-ons
Волна против FreshBooks
Волна побеждает в: free version, lower total cost, broader money management features
FreshBooks побеждает по следующим показателям: built-in time tracking, billable hours, stronger client-facing invoicing features
Волна побеждает в: truly free plan with no revenue cap, simpler interface, free payroll-ready accounting
Zoho Books побеждает по следующим показателям: автоматизация workflows, budgeting tools, tighter fit for the wider Zoho stack
More of Hubdoc Compared
Here is how Hubdoc stacks up against other document tools:
Hubdoc побеждает по следующим пунктам: lower price, free bundling with Xero, simple setup for basic capture
Показатель Dext равен: better OCR on complex invoices, multi-line item handling, faster processing of bulk documents
Хабдок против АвтоВвод
Hubdoc побеждает по следующим пунктам: auto-fetch from vendors, included with Xero plans, audit-proof document storage
AutoEntry побеждает по следующим параметрам: pay-per-credit pricing for low volume, line-item capture, broader software support
Хабдок против Expensify
Hubdoc побеждает по следующим пунктам: vendor bill fetching, document filing by vendor, deeper Xero sync
Expensify побеждает по следующим показателям: employee expense reports, mileage and путешествовать claims, corporate card reconciliation
Hubdoc побеждает по следующим пунктам: dedicated document capture, vendor auto-fetch, tidy filing cabinet for receipts
QuickBooks выигрывает по следующим параметрам: full accounting and reporting, payroll, invoicing and a complete books platform
Часто задаваемые вопросы
Действительно ли Wave бесплатен?
Yes. The Starter plan is free with unlimited invoices and expense tracking. You only pay for payment processing, the paid Pro plan, or payroll add-ons.
Wave так же хорош, как QuickBooks?
For freelancers and simple businesses, yes. QuickBooks Online offers more advanced features and integrations. Wave wins on price and ease of use.
Сколько стоит Hubdoc?
Hubdoc costs $12 per month as a standalone tool. Many Xero users get it free or at a discounted rate, depending on their subscription level.
Для чего используется Hubdoc?
Hubdoc captures receipts, bills, and statements, then reads them with OCR. It sends that data to your accounting software and stores documents for audit-proof records.
Hubdoc по-прежнему бесплатен в комплекте с Xero?
Many Xero plans include Hubdoc at no extra cost. Since Xero owns Hubdoc, the bundle depends on your billing period and plan tier.
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