Wave vs Expensify: Which Accounting Tool is Better in 2025?

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

立即尝试

亚军

3.0

• 支出跟踪
• Expense Reports
• Trip Offers
• Expensify Card
• Easy Chats
• 提供免费试用
• 付费计划，每月 5 美元起

立即尝试

你是 小型企业 owner or a freelancer tired of wrestling with receipts and financial spreadsheets?

你并不孤单。

That’s where 会计软件 comes in, two popular choices are Wave and Expensify.

But with so many options, how do you pick the right one for 你的 需要什么？ 

This article will break down Wave vs Expensify.

概述

We tested both Wave and Expensify.

We used them like a real 商业 owner would.

This helped us see what each one does well.

现在，让我们把它们并排比较一下。

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

Join over 15 million users who trust Expensify to simplify their finances. Save up to 83% on time spent on expense reports.

定价： It has a free trial. The premium plan starts at $5/month.

主要特点：

• SmartScan Receipt Capture
• Corporate Card Reconciliation
• Advanced Approval Workflows.

Try Expensify now 阅读完整评论

什么是波浪？

好吧，我们来谈谈 "浪潮"。

把它想象成您生意资金的好朋友。

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…

我们的看法

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

优点

• 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 Expensify?

Okay, so let’s talk about Expensify.

It’s a tool that helps you keep track of all your business spending. Think of it like a helper that remembers where your money goes.

It can grab info from your receipts and bank stuff. Pretty handy!

此外，探索我们最喜欢的 Expensify alternatives…

我们的看法

Based on typical Expensify user reports, automate your expense process today and save your team up to 2 hours per week on expense reports and accelerate reimbursement cycles by over 50%.

Try expensify now 阅读完整评论 expensify 替代品

主要优点

• SmartScan technology scans receipt details and extracts them with over 95% accuracy.
• Employees get reimbursed quickly, often in as little as one business day via ACH.
• The Expensify Card can save you up to 50% on your subscription with its cash back program.
• No warranty is offered; their terms state that liabilities are limited.

Try Expensify now

定价

• Collect: 每月 5 美元。
• Control: 定制定价。

Try Expensify now

优点

• 人工智能驱动的效率。
• 一体化平台。
• WordPress 集成。
• 高性能。
• 电子商务能力。

缺点

• 学习曲线。
• 依赖 Elementor。
• 潜在的人工智能限制。
• 功能超载。

Try Expensify now

功能比较

Choosing the right financial solution is essential for 小型企业 业主。

This Wave review and Expensify reviews comparison will detail the differences between a full-featured 会计 platform and a specialized expense management solution.

Helping you find the tool that best fits your business operations.

1. Core Purpose and Platform

Wave Financial is a dedicated small business accounting software and a complete system built on a free platform. It’s designed to help you manage all aspects of your finances, including a general ledger.

Expensify is a specialized tool to streamline the expense management process for a small number of employees or the entire company.

2. Pricing and Subscription

Wave Financial offers a free version for core accounting features, including unlimited invoices. Its two plans (free starter plan and paid pro plan) are flexible, and you can get a discounted rate on certain add-ons.

Expensify pricing is based on the number of active users per month, but it offers some free accounting features like receipt scanning and basic reimbursement.

3. Expense and Receipt Capture

Wave makes it easy to track expenses by connecting to your bank accounts to auto import bank transactions. Digital receipt capture and receipt scanning are available as a paid add-on.

Expensify makes this its core functionality. You can take a photo of a receipt with the Expensify mobile app, and the Das bedeutet, dass Ihr is extracted in a few seconds, ready for approval.

4. Payments and Invoicing

Wave Financial has a robust invoicing software that supports recurring invoices and allows you to accept online payments via credit card payments and bank payments. You can also set up several automated payment reminders.

Expensify’s invoicing is more basic, as its focus is on reimbursements and managing a business credit card. It’s not a full-fledged invoicing solution.

5. Payroll and Time Tracking

Wave Payroll is an integrated add-on that handles payroll processing and tax filing for an active employee and an independent contractor paid via direct deposit.

Expensify does not offer payroll. It does have mileage tracking, but a Wave review will note that Wave does not offer 时间跟踪 for billable hours.

6. User and Approval Process

Wave’s free platform allows for unlimited users to access the account.

Expensify is centered around a workflow where employees and contractors submit expenses, and a manager or manager can quickly approve them. The entire process is designed to reimburse quickly and provides a clear audit trail for all requests.

7. Integrations and Data Flow

Wave integrates with its own suite of products (Wave Payroll and payment processing) but has limited third-party integrations.

Expensify offers seamless integration with core accounting platforms like QuickBooks. This makes it a great add-on for businesses that need to export expense data for a separate system.

8. Mobile Functionality

The Wave mobile app offers a lot of functionality, from creating invoices to checking financial reports.

The Expensify app is highly specialized, allowing employees to snap a photo of a receipt on their mobile phone, log mileage, and submit expenses from their pocket immediately.

9. Security and Support

Wave uses multi factor authentication and strong encryption to protect bank accounts and credit card transaction data, giving peace of mind.

Expensify is a payments superapp, so its 安全 is a core feature. Both platforms have strong security.

在会计软件中要寻找什么？

Here are some extra things to think about when choosing your financial software, focusing on capabilities highlighted in someExpensify and Wave Accounting review:

• 可扩展性: Can the software grow with any of your business? Scalability is determined by the ability of the software to handle increasing complexity. Look for a vendor that offers different tiers (free plan, paid plan, subscription level) to suit your size, and check if it supports multiple users and multiple companies. Wave Accounting’s core features offer a strong starting point, and its scalability hinges on whether its advanced features can integrate with your growth or if additional costs for add-ons become a problem.
• 支持: What kind of help is available if you have questions?Reliable support is a key feature that provides peace of mind. The vendor should have a clear commitment to respond to inquiries promptly, ideally within a couple of business days. Before you setup, check the help center to see what resources are available. Many community members recommend Wave for its straightforward system, but be sure the support model meets your expectations for quickly resolving complex issues.
• 易于使用: Is it something you and your team can learn quickly? The simplicity of the advanced user interface is crucial for saving time spent. Wave Accounting is celebrated as free accounting software for its ease of use. It should be easy to manage expenses and track transactions automatically. Look for tools that simplify complex tasks, like having the ability to auto merge bank transactions or allowing one-click viewing of reports for a specific date range.
• 特殊需求: Does it handle the unique things your business does? Ensure the software has the specific functionality you need. For instance, if you handle corporate funds, the Expensify Card provides a real time connection. For service businesses, check its ability to track costs against projects and manage recurring billing. The platform should also allow you to log transactions with specific categories or codes for better organization and easier tax filing. The invoicing features should support diverse credit card payments, including Apple Pay.
• Die 9 besten Lernmanagement-Softwares (LMS) für 2025 15: How safe is your financial data with this software?Protecting your 簿记 records and cash flow is non-negotiable. Look for security protocols that protect your web and desktop connection. Be aware that some security services will trigger a block if unusual activity is expected. This can result in a message where you are temporarily blocked from the page. Ensure the vendor has processes to help resolve these issues, providing you with a secure place to store your personal finance and money management features. Also, check how the system handles access, especially if employers need to manage employee expense tracking and reimbursement.

最终裁决

So, which one wins? It truly depends on what you need. 

If you’re a 小型企业 or freelancer, Wave is often best.

It’s free for basic 会计. It handles invoicing and banking well.

But if tracking expenses and reimbursements is your biggest headache, Expensify is stronger.

Its SmartScan is great for receipts. We’ve used both of these tools a lot. 

So, you can trust our advice to pick the right one for you.

免费试用 wave 阅读完整评论 wave alternatives

Try Expensify for free 阅读完整评论 Expensify alternatives

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More of Expensify

• Expensify vs Puzzle：该软件专注于为初创企业提供人工智能财务规划。其对应产品是个人理财。
• Expensify vs Dext：这是一款用于记录收据和发票的商业工具。另一款工具用于跟踪个人支出。
• Expensify vs Xero：这是一款面向小型企业的流行在线会计软件。其竞争对手的产品面向个人用户。
• Expensify vs 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。
• Expensify vs Easy Month End：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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• Expensify vs Sage：这是一款功能全面的商业会计套件。它的竞争对手是一款更易于使用的个人理财工具。
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常见问题