Wave 与 Quicken：2025 年，哪个更适合您的财务状况？

优胜者

4.5

• 账户对账
• 账目表
• 发票
• 产品与服务
• Financial Reporting
• 提供免费计划
• 付费计划，每月 19 美元起

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亚军

3.0

• 所有经常性
• 旗舰支票
• 支出计划
• 链接交易
• 支出观察清单
• Texte de base en vidéo.
• 付费计划 $5.59 起/月

Actuellement, Remaker AI se concentre davantage sur les photos que sur les vidéos. Il ne dispose pas encore d'une forte

您是否正在为理财而苦恼？

Do you ever wonder if you’re using the best tools to handle your personal finances or 小型企业 accounting? 

The good news is, software can help!

Two popular choices you might have heard of are Wave vs Quicken.

But which one is right for you? 

Let’s break down these options so you can pick the one that fits your needs best.

概述

We’ve used both Wave and Quicken extensively.

We set up accounts, tracked spending, and explored their features.

This hands-on experience led us to this direct comparison.

4.5满分 5 分

超过 400 万 小型企业 trust Wave to manage their finances. Explore Wave’s plans and find the right fit.

定价： Free plan available. Paid plan starts at $19/month.

主要特点：

• 发票
• Banking
• Payroll add-on.

免费试用 wave 阅读完整评论

3满分 5 分

Want to take control of your finances? With Quicken, you can connect to thousands of financial institutions. Explore it for more!

定价： It has a free trial. The premium plan at $5.59/month.

主要特点：

• Budgeting Tools
• Bill Management
• 投资跟踪

立即尝试 quicken 阅读完整评论

什么是波浪？

好吧，我们来谈谈 "浪潮"。

Think of it like a helpful friend for your 商业 钱。

通过它，您可以发送发票，跟踪资金进出情况。

它可以帮助你了解企业财务的全貌。

此外，探索我们最喜欢的 Wave alternatives…

我们的观点

Don’t settle for less! Join the over 2 million small businesses that rely on Wave’s powerful, free core accounting features to streamline their finances today.

Try wave now 阅读完整评论 wave alternatives

主要优点

Wave’s strengths include:

• A 100% free core accounting plan.
• Serving over 2 million small businesses.
• Easy invoice creation and payment processing.
• No long-term contracts or warranties.

定价

• 启动计划： 每月 0 美元。
• 专业计划： $19month.

Try wave now

Você pode ter mais de um espaço de trabalho.

• Core features are available for free.
• The software is generally easy to use.
• It offers cloud-based access anytime.
• Invoicing features are well-integrated.
• Connecting bank accounts saves time.

缺点

• Free plan has limited 自动化.
• Customer support is limited on free plan.
• Payroll is an additional cost.
• Advanced features require paid plans.

Try wave now

What is Quicken?

So, you’re wondering about Quicken?

It’s like a tool that helps you see all your money stuff in one place. Think of it as your digital money organizer.

It can help you track your bank accounts, bills, and even investments.

Pretty handy, right?

此外，探索我们最喜欢的 Quicken alternatives…

我们的观点

Looking to get a grip on your finances? With over 40 years of experience, Quicken has helped more than 20 million members take control of their money.

立即尝试 quicken 阅读完整评论 quicken 替代品

主要优点

Quicken is a powerful tool for getting your financial life in order.

They boast over 40 years of experience and have been a #1 best-selling product.

Their various plans can connect to over 14,500 financial institutions.

You can also get a 30-day money-back guarantee to try it out risk-free.

• Connects with thousands of banks and credit cards.
• Creates detailed budgets.
• Tracks investments and net worth.
• Offers retirement planning tools.

Try Quicken now

定价

• Quicken Simplifi: 每月 2.99 美元。

Try Quicken now

Você pode ter mais de um espaço de trabalho.

• 它能轻松连接所有账户。
• 预算编制和跟踪简单明了。
• 它有助于有效管理投资。
• 你可以为退休做好规划。
• 它提供了完整的财务状况。

缺点

• 订阅费用可能会增加。
• 一些用户认为界面复杂。
• 客户支持有时会很慢。
• 您需要为更新付费。

Try Quicken now

功能比较

Finding the right accounting program is a crucial step for 小型企业 业主。

This Wave review and Quicken review will help you evaluate the key features of each platform, providing a full picture to guide your decision-making and give you peace of mind.

1. Business & Personal Finance

• 海浪 Financial is a dedicated small business 会计 software. It is built for a business’s general ledger, managing transactions for a single company or multiple companies, and creating financial reports. It is the perfect free accounting software for a freelancer & independent contractor who wants to keep their business and personal finances separate.
• 快速 has been a dominant force in the personal finance software market for decades. Its primary focus is on personal finance software with robust money management features. The Quicken Business version is designed for those who want to manage both their business personal finances together in one place, like a landlord with rental properties or a sole proprietor.

2. Pricing and Plans

• 海浪 Financial offers a truly free platform for its core accounting and invoicing features. You can send unlimited invoices & manage your 簿记 records at no cost. For more functionality, Wave offers a pro plan and a paid plan for its payroll services.
• 快速 operates on a subscription model with different versions available for different needs. The Quicken Deluxe and Quicken Premier are for personal finance, while Quicken Home & Business is the best option for business use. The cost is based on the subscription level, with a discounted rate for longer subscriptions.

3. Automation

• Wave’s automation features are centered around banking. The platform can auto import bank transactions and merge them to help with bank reconciliation. This saves a lot of time and reduces manual Das bedeutet, dass Ihr 入口。
• 这 快速 brand has long been known for its automation functionality. It automatically downloads and categorizes transactions from connected bank accounts and investment accounts. This functionality is a key feature that provides a great starting point for financial analysis.

4. Invoicing and Payments

• 海浪 Financial provides excellent invoicing software with robust invoicing features. You can create professional and recurring invoices and accept online payments via any credit cards or bank payments. You can also set up any type of automated payment reminders.
• Quicken’s functionality to create an invoice is more basic. Its bill tracking and online bill pay features are more prominent. While it allows you to accept online payments, the options are not as extensive as Wave’s.

5.工资单

• 海浪 Payroll is an add-on service. It handles payroll processing for both salaried and hourly workers. It can be used to pay an active employee or independent contractor paid via direct deposit, and it handles tax filing automatically.
• 快速 does not have its own built-in payroll functionality. It is primarily a financial management tool and does not support the same level of payroll processing and tax filing for multiple employees as a dedicated payroll service.

6. Expense Tracking and Receipt Capture

• 海浪 Accounting offers robust expense tracking. Its digital receipt capture feature allows you to take pictures of receipts to automatically record expenses. This is a great tool for an independent contractor or small business owner.
• Quicken’s expense tracking is strong for personal and business personal expenses, with a focus on budgeting and tracking where your money is going. Its receipt scanning is also available through its mobile app.

7. Accessibility and Platform

• 海浪 is a cloud-based platform accessible through a web browser and a mobile app. This means you can access your financial data from anywhere with an internet connection, allowing for a great degree of control.
• 快速 is primarily a desktop software that you download and install on a Windows or 苹果 computer. While it does have a companion mobile app, the core functionality and data reside on the desktop.

8. Integrations and Value

• 海浪 integrates with a limited number of business applications. Its value proposition is its all-in-one free platform, which can be sufficient for many freelancers.
• The value of 快速 lies in its long-standing reputation as a personal finance tool. Its functionality for budgeting, retirement planning, and tracking investment accounts is its main strength. The aquiline capital partners acquisition of the Quicken brand may bring new developments to the market in the future.

9. User Interface and Functionality

• A 海浪 Accounting review will often point out the clean and simple user interface. Wave offers a simple process for billable hours, which is great for service-based businesses. The software is straightforward, with a focus on core accounting tasks.
• Quicken’s interface is more detailed, providing a comprehensive dashboard for all financial information. It is designed to give users a complete financial picture of their money, from bank balances to investment returns, and it helps them stay on track with their personal and business finances.

在会计软件中要寻找什么？

以下是一些需要考虑的额外事项：

• 可扩展性: You can’t just pick a program for today; you have to plan for the future. Many accounting software offers different tiers, from a free starter plan to a paid pro plan with additional costs for more functionality. Wave makes it simple to upgrade from its free version to a more robust subscription. Quicken software and its alternatives also have different versions, so 制作 sure you evaluate them based on your anticipated sales and growth.
• 支持: What kind of help is available if you have questions? When you start, you’ll likely have questions. It’s important to find a software vendor that provides robust customer support. Many offer a help center and online tutorials. Wave offers support through various channels, and a good wave review will often highlight the ease of getting help. A good program will make your life easier, giving peace of mind.
• 易于使用: Is it something you and your team can learn quickly? An intuitive interface is key for any accounting program. You want something that’s easy to use for all multiple users, so your team can get started right from the beginning. The goal is to spend less time on complex processes and more on running your business. Quicken offers a different user experience, but it’s important to test the user interface to see which one feels right.
• 特殊需求: Does it handle the unique things your business does? Your business has unique needs. If you have employees, you’ll need accounting and payroll functionality. If you bill clients for time, look for a feature to track billable hours. Some software supports specific payment methods like credit card payments or Apple Pay. The ability to track recurring billing or credit card transaction is also essential.
• Die 9 besten Lernmanagement-Softwares (LMS) für 2025 15: How safe is your financial data with this software? Your financial data must be secure. Look for software that provides a high level of data security to protect your information. Multi factor authentication and strong encryption are standard. It is wise to investigate the security measures and reviews of any service. Quicken’s security has been on the market for decades and has a well-established history.

最终裁决

Which one is better: Wave or Quicken? It depends on you.

如果运行 小型企业, choose Wave.

It handles invoicing and business 会计 well.

It’s powerful for business needs. But if you manage personal money, use Quicken.

It tracks budgets and investments. We’ve used both.

Our advice comes from that direct experience.

免费试用 wave 阅读完整评论 wave alternatives

立即尝试 quicken 阅读完整评论 quicken 替代品

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More of Quicken

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• Quicken 与 Xero: This is popular online 会计软件 for small businesses. Its competitor is for personal use.
• Quicken 与 Synder：此工具可将电子商务数据与会计软件同步。其替代方案则专注于个人理财。
• Quicken 与 Easy 月结：这是一款简化月末任务的商业工具。它的竞争对手是个人财务管理工具。
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• Quicken vs Zoho Books：这是一款面向小型企业的在线会计工具。其竞争对手的产品是面向个人用户的。
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