⚡ 快速结论：
- 定价： Xero starts at $5.80/mo. Wave offers a free starter plan and a Pro plan at $19/mo.
- 最适合： Xero for growing businesses that need multi-currency and inventory management. Wave for freelancers and solopreneurs who want free 会计 软件。
- 主要区别： Xero offers 1,000+ integrations and project tracking. Wave offers free invoicing and built-in payroll processing.
- 我们的选择： Xero for most users — it scales better as your 商业 生长。
Small business owners face a tough choice with 会计 软件。
Xero and Wave both promise to simplify your financial tasks.
But they target very different budgets and business sizes.
此对比分析将帮助您确定哪种工具更符合您的需求。
概述
This Xero vs Wave comparison covers pricing plans, key features, and ease of use.
我们还会分析每种工具最适合哪些用户。
我们的信息来源包括已发布的规格说明、文档和用户评论。
By the end, you’ll know which cloud based accounting software fits your business.
Xero是什么？
Xero is a cloud based accounting software for small businesses.
它帮助企业管理发票、银行对账和财务。 报道.
Xero excels at multi-currency support across 160+ currencies.
Most users choose it for unlimited users on every plan.
Xero
Cloud based accounting with 1,000+ integrations. Xero lets you manage invoicing, bank feeds, and financial data from one dashboard. Ideal for growing businesses with multiple currencies.
Xero定价
Here’s what Xero costs in 2026. The xero pricing breaks down into three tiers. Many users consider it the 最佳会计软件 for growing teams. Xero’s top tier works like an established plan for businesses ready to scale.
| 计划 | 价格 | 最适合 |
|---|---|---|
| 起动机 | $5.80 USD per month | Sole traders with basic needs |
| 标准 | $10 USD per month | 需要无限量发票的小型企业 |
| 优质的 | $15 USD per month | Established businesses with multi-currency needs |
Pricing verified July 2026.
免费试用： Yes — 30 days, no credit card required. You can test Xero with full access before committing.
退款保证： Xero offers month-to-month billing with no long-term contracts. Cancel anytime.
📌 笔记： All Xero plans include unlimited users at no extra xero cost. This is a major advantage over competitors that charge per user.
⚠️ 警告： Xero’s website may show different pricing plans (早期的, Growing, Established) at higher price points. The CSV-verified prices above reflect the most recent data we have on file. Always check Xero’s official site for current rates.
Xero的主要优势
Here’s what makes Xero worth considering for your financial management:
- 用户数量不限： Every plan supports unlimited team members. You won’t pay extra as your team grows.
- 自动银行转账： Xero connects to your bank accounts and imports bank transactions daily. This cuts down on manual data entry.
- 多币种： Handle transactions in over 160 multiple currencies. Xero updates exchange rates automatically.
- 1000 多个集成： Connect Xero to apps like Gusto for payroll, Hubdoc for receipt capture, and hundreds of other tools.
- 项目跟踪： Track time and expenses by project. This is ideal for professional services businesses tracking billable hours.
- 可自定义报告： Xero’s reporting features let you build custom financial reports for a clear view of your business’s financial health.
我们的团队注意到了什么
我们的 作家 signed up for a Xero account and spent several days exploring the xero dashboard and core features. Here’s what stood out:
Xero 的优点和缺点
✅ 优点
- 所有套餐均不限制用户数量，可为团队节省成本。
- Over 1,000 third-party integrations for custom workflows
- Multi-currency support in 160+ currencies for global teams
- Built-in project tracking for service-based businesses
- User friendly interface that avoids accounting jargon
❌缺点
- No direct phone support — email only for customer support
- Chart of accounts page feels outdated
- Payroll requires a separate Gusto add-on at extra cost
- Starter plan limits you to up to five bills per month
什么是波？
Wave is a free accounting software built for 自由职业者 以及小型企业。
It covers invoicing, expense tracking, and basic financial reports at no monthly cost.
Wave also offers built-in payroll processing and payment processing as paid add-ons.
Most small business owners choose it because the free starter plan covers core accounting features.
海浪
Free accounting and invoicing software for solopreneurs. Wave makes it easy to track expenses, send unlimited invoices, and accept online payments. Great for service-based businesses on a tight budget.
波浪定价
Wave organizes its services into two plans. Here’s what each tier costs.
| 计划 | 价格 | 最适合 |
|---|---|---|
| 入门计划 | $0 | Freelancers needing basic accounting |
| 专业计划 | 每月 19 美元 | Small businesses wanting auto bank imports |
Pricing verified July 2026.
免费试用： The free starter plan is free forever — not a trial. The paid pro plan may offer a trial period.
退款保证： Wave charges monthly with no long-term contracts. You can cancel the pro plan anytime.
📌 笔记： Wave also offers wave payroll services ($40/month + $6 per active employee or independent contractors) and payment processing (2.9% + $0.60 per credit card transaction). These are additional costs beyond the base plan.
⚠️ 警告： The free version does not include auto import bank transactions or digital receipt capture. Those money management features require the paid pro plan. Some users also report glitches with bank connections on the free platform.
Key Benefits of Wave
Here’s what makes Wave worth considering for your personal finance and business needs:
- Free Core Accounting: The free plan includes unlimited invoices, expense tracking, and basic financial reports. No credit card needed.
- 用户数量不限： Wave allows multiple users to access the same account at no extra charge. Great for teams.
- Built-in Payroll: Wave integrates accounting and payroll in one platform. It handles tax filing and direct deposit for employees.
- Online Payments: Accept online payments via credit card and bank payments directly through your invoices. You can even accept apple pay.
- 收据扫描： The mobile app lets you scan receipts and sync them to your 簿记 records automatically.
- Multiple Companies: Manage accounting for multiple companies under one Wave account. Ideal for owners with several businesses.
我们的团队注意到了什么
Our writer signed up for Wave and spent several days testing the invoicing features, expense tracking, and reporting dashboard. Here’s what stood out:
Wave Pros & Cons
✅ 优点
- Free plan covers invoicing, expenses, and basic reporting
- Clean and intuitive dashboard for beginners
- Built-in payroll with W2 and 1099 tax form generation
- Unlimited users and unlimited invoices on all plans
- Manage multiple businesses under one account
❌缺点
- No inventory management or purchase orders
- Limited integrations compared to Xero or QuickBooks
- Customer support limited to help center and 聊天机器人 on free plan
- 没有内置 时间跟踪 for billable hours
功能对比
Let’s compare Xero and Wave across 9 key features. This section covers everything from online invoicing to cash flow management.
| 特征 | Xero | 海浪 |
|---|---|---|
| 起价 | 每月 5.80 美元 | 0 美元（免费） |
| 免费计划 | ❌（30天试用期） | ✅ |
| 无限量发票 | Standard+ plans | ✅ 所有方案 |
| 银行对账 | ✅ 自动 | ✅（专业版） |
| 库存管理 | ✅ 高级套餐 | ❌ |
| 多币种 | ✅ 160+ currencies | ❌ |
| 项目跟踪 | ✅ | ❌ |
| Built-in Payroll | ❌ (Gusto add-on) | ✅（付费插件） |
| 集成 | 1,000+ | 有限的 |
| 最适合 | 发展中的企业 | 自由职业者 |
1. Online Invoicing
Xero： Xero offers customizable invoice templates with your branding. You can set up recurring invoices and automated payment reminders. The early plan limits you to 20 invoices per month, but the Standard and Premium plans remove that cap.
海浪： Wave offers unlimited invoices on every plan, including the free one. You can customize invoices, set up recurring billing, and send automated payment reminders. Wave also lets you accept online payments directly through invoices.
2. 银行对账
Xero： Xero automates bank reconciliation by matching bank transactions with your accounting records in real time data. Xero makes it easy to sync transactions automatically through automatic bank feeds. This cuts down hours of manual data entry across all pricing plans.
海浪： Wave supports bank reconciliation, but auto import bank transactions is only available on the paid pro plan. On the free version, you’ll need to handle bank connections manually. Some users report occasional glitches with bank syncing.
3. Expense Tracking
Xero： Xero tracks expenses through connected bank accounts and Hubdoc integration. You can capture bills, categorize spending, and attach receipts to transactions. The platform also supports claiming expenses with detailed financial records.
海浪： Wave lets you track expenses and categorize them across your accounts. The mobile app supports receipt scanning for quick digital receipt capture. However, automated transaction syncing requires the paid plan.
4. 财务报告
Xero： Xero’s reporting features include customizable dashboards with real time data on your financial position. You can generate balance sheets, profit-and-loss statements, and cash flow reports. The customizable reporting tools give a clear picture of business performance.
海浪： Wave provides basic financial reports like balance sheets and income statements. The reporting works well for simple businesses, but it lacks the advanced customization options that Xero offers. You can filter by date range and export reports as needed.
5. Multi-Currency Support
Xero： Xero handles multiple currencies across 160+ options with automatic exchange rate updates. This makes Xero a strong choice for businesses with international clients or suppliers operating in multiple locations.
海浪： Wave does not offer multi-currency support. If your business operates internationally or bills in multiple currencies, Wave won’t handle that workflow. This is a major gap for expanding businesses.
⚠️ 警告： If you invoice clients in different currencies, Wave is not a fit. Xero is the clear choice for international businesses that need to manage inventory data and financial details across borders.
6. Inventory and Project Tracking
Xero： Xero lets you manage inventory with real-time stock tracking and purchase orders on higher-tier plans. The project tracking feature monitors time and expenses per project, making it great for professional services firms.
海浪： Wave does not include inventory management or project tracking. It lacks purchase order creation and time tracking for billable hours. Product-based businesses will find this a dealbreaker.
7. 移动应用
Xero： Xero’s mobile app is available on iOS and 安卓 devices. It provides a 简化 view of your xero dashboard, letting you send invoices and manage payments on the go. It mirrors most desktop features.
海浪： Wave’s mobile app also works on iOS and Android. It focuses on invoicing and receipt scanning. The app maintains the same clean interface as the desktop version, though it’s lighter on reporting features.
8. Tax and Compliance
Xero： Xero handles sales tax tracking and integrates with payroll through Gusto for W-9/1099 filings. The accounts receivable and accounts payable functionality helps businesses manage their financial position for tax season.
海浪： Wave handles tax filing through its built-in payroll service, including automated W2 and 1099 tax form generation. It covers payroll processing in 14 states with direct deposit for each independent contractor paid through the system.
9. 定价和成本
让我们来并排比较一下这些定价方案。
| 特征 | Xero | 海浪 |
|---|---|---|
| 免费计划 | ❌ | ✅ ($0) |
| 入门级付费计划 | 每月 5.80 美元 | $19/month (Pro) |
| 中级计划 | 每月10美元 | 不适用 |
| 顶级计划 | 每月15美元 | 不适用 |
| 工资附加组件 | Via Gusto ($40/mo + $6/person) | $40/mo + $6/person |
| 支付处理 | Via integrations | 2.9% + $0.60 per credit card transaction |
Xero： Xero’s paid plans start lower than Wave’s paid plan. At $5.80/month, you get basic accounting. The $15/month Premium plan unlocks multi-currency and inventory. For businesses that need advanced features, the xero cost is competitive.
海浪： Wave wins on upfront cost with its free plan. But the Pro plan at $19/month is pricier than Xero’s Standard plan. Wave also offers an annual option at a discounted rate of $190/year. Payment processing payouts may take a few business days. For freelancers who just need free accounting, Wave is the budget pick.
不同场景
| 如果您需要…… | 选择 | 为什么 |
|---|---|---|
| Zero upfront cost | 海浪 | 免费入门计划 |
| Multi-currency billing | Xero | 160+ currencies supported |
| Inventory tracking | Xero | Built-in stock management |
| Built-in payroll | 海浪 | Native payroll service |
| 1,000+ app integrations | Xero | Larger integration ecosystem |
| 适合初学者 | 海浪 | 更简洁的界面 |
💰 您的预算
If budget is your top priority, Wave’s free plan is hard to beat. Xero’s plans start at $5.80/month but include features Wave charges extra for, like automatic bank feeds.
🔌 您的技术栈
Xero integrates with over 1,000 apps, including Gusto, Hubdoc, and Shopify. Wave integrates with fewer tools, so check that your critical apps connect before you commit.
📝 您的业务类型
Service-based freelancers who just need invoicing software should start with Wave. Product-based businesses that need to manage inventory and purchase orders should use Xero.
🎓您的经验水平
Both tools avoid heavy accounting jargon. Wave is slightly simpler for total beginners. Xero offers guided tutorials and Xero Central for online resources if you need to learn the platform.
🆓 免费试用和演示
We recommend wave for anyone who wants to start free. If you want to test Xero, use the 30-day free trial to explore all features before paying.
🛟 支持选项
Xero provides email-based customer support and extensive online resources through Xero Central. Wave’s help center and chatbot are available on the free plan, with priority support on the paid plan.
切换指南
已经在使用这些工具之一了吗？如果您切换到其他工具，以下是您可能遇到的情况。
🔄 Switching from Xero to Wave?
✅ 你将获得：
- Free core accounting — no monthly subscription level needed
- Built-in payroll without needing a third-party add-on
- Accept credit card payments and bank payments through invoices
❌ 你会失去什么：
- Multi-currency support for international billing
- 1,000+ integrations and inventory management
- Built-in project tracking and advanced features
📋 如何切换：
- Export your financial data and client data from Xero as CSV files
- Create a free Wave account and connect your bank accounts
- Import your data migration files and verify your general ledger balances
🔄 Switching from Wave to Xero?
✅ 你将获得：
- Multi-currency support in 160+ currencies for business growth
- Inventory management and purchase orders
- 1,000+ integrations and project tracking
❌ 你会失去什么：
- Free accounting — you’ll start paying from $5.80/month
- Built-in payroll (Xero uses Gusto as an add-on)
- Native credit card payment processing through invoices
📋 如何切换：
- Export your Wave financial reports and bookkeeping records as CSV
- Sign up for a Xero 30-day trial and set up your Xero account
- Import your financial records and reconnect your bank accounts
我们的评测没有涵盖的内容
This comparison focused on freelancers and small businesses. We didn’t evaluate enterprise-level features, API access, or how either tool handles high-volume transaction processing. Our observations are based on the July 2026 versions — features and pricing may change. If you manage 50+ users or need complex multi-entity accounting, your needs may differ from what we’ve covered.
最终判决
| 类别 | 优胜者 |
|---|---|
| 💰 Pricing (Upfront Cost) | 海浪 |
| 🚀 核心功能 | Xero |
| 📊 Financial Reporting | Xero |
| 🌍 Multi-Currency | Xero |
| 👶 易用性 | 海浪 |
| 🔌 集成 | Xero |
| 📱 移动应用 | 领带 |
| 🏆 总冠军 | Xero |
🏆 WINNER: Xero
Xero wins 4 out of 7 categories.
最适合： Growing businesses, international teams, service-based companies needing project tracking
Xero and Wave serve different types of businesses. Xero is the stronger pick for established businesses that need scalable accounting software with deep integrations and multi-currency support. Wave is the better choice for solopreneurs and freelancers who want free accounting without a monthly fee.
If you need invoicing software and basic bookkeeping records without paying anything, we recommend Wave. If you need advanced features like inventory, project tracking, and 1,000+ integrations, we recommend Xero.
Xero 的对比数据更多
Here’s how Xero stacks up against other accounting software options:
Xero 胜出的原因： Unlimited users on all plans, stronger multi-currency support, lower starting price
QuickBooks 在以下方面胜出： Built-in payroll in the US, larger user community, more accounting tutorials available
Xero 对比 FreshBooks
Xero 胜出的原因： Inventory management, 1,000+ integrations, unlimited users included
FreshBooks 在以下方面胜出： Time tracking built-in, simpler interface for solo freelancers, phone-based customer support
Xero 对比 Zoho Books
Xero 胜出的原因： Wider third-party integration library, stronger multi-currency handling, larger global presence
Zoho Books 赢得： Lower pricing for small teams, built-in 客户关系管理 connections, free plan for low-revenue businesses
More of Wave Compared
Here’s how Wave stacks up against other small business accounting software options:
Wave 获胜条件： Free core accounting, no per-user charges, simpler setup for beginners
QuickBooks 在以下方面胜出： Advanced reporting and budgeting, larger integration library, built-in time tracking
Wave 获胜条件： Free plan with unlimited invoicing, built-in payroll option, no monthly subscription for basics
FreshBooks 在以下方面胜出： Better time tracking for billable hours, stronger mobile app features, phone support available
波浪 vs 圣人
Wave 获胜条件： Zero-cost entry point, easier setup for non-accountants, built-in payment processing
Sage 获胜理由： Multi-entity accounting, stronger compliance features, better inventory management
常见问题解答
Is Xero better than Wave for small businesses?
Xero is better for growing businesses that need advanced features like multi-currency and inventory. Wave is better for freelancers who want free accounting.
Wave Accounting 真的免费吗？
Yes. Wave’s free starter plan includes unlimited invoices and basic expense tracking. Payroll and payment processing cost extra.
Xero每月费用是多少？
Xero starts at $5.80/month for the Starter plan. The Standard plan is $10/month, and the Premium plan costs $15/month.
Can I use Xero or Wave without an accountant?
Yes. Both tools are designed for non-accountants. Xero offers guided tutorials, and Wave provides in-app guidance for common tasks.
Wave是否向美国国税局报告？
Wave’s payroll feature handles tax filing and generates W2 and 1099 forms. The accounting software itself doesn’t file taxes directly.
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