⚡ 快速结论：
- 定价： Wave has a free starter plan with a Pro plan at $19/month. Quicken plans start at $2.99/month.
- 最适合： Wave fits 小型企业 owners and freelancers. Quicken fits personal finance and investment tracking.
- 主要区别： Wave is free 会计 software for invoicing. Quicken is paid personal finance software.
- 我们的选择： Wave for most 小型企业 owners. It handles invoicing and 簿记 at no upfront cost.
Wave vs Quicken solve two different money problems.
One is small business accounting software. The other is personal finance software.
Wave focuses on invoicing and 簿记 for small business owners.
Quicken focuses on budgets, bank accounts, and investment accounts for personal use.
Picking the wrong one wastes both money and time.
This Wave review and comparison breaks down both tools so you choose with confidence.
概述
From the beginning, this Wave accounting review and Quicken review covers pricing, key features, and ease of use.
We also evaluate the details and break down who each tool works best for.
Our writers signed up for both and explored the dashboards firsthand.
这些笔记出现在下面的“我们的团队注意到”部分中。
By the end, you will know which fits your finances.
什么是波？
Wave Financial is free accounting software for small business owners.
It supports over 2 million small businesses with money management features across two plans.
The free platform includes unlimited invoices, expense tracking, and basic reports.
Wave is cloud-based, so you reach your 数据 可从任何设备访问。
It fits freelancers and service-based businesses with no accounting background.
海浪
Wave is free accounting software for freelancers and small businesses. It handles invoicing, expense tracking, and basic financial reports.
波浪定价
Here is what Wave costs in 2026. Let us break it down.
| 计划 | 价格 | 最适合 |
|---|---|---|
| 入门计划 | $0 | 自由职业者和个体经营者 |
| 专业计划 | 每月 19 美元 | Growing small business owners |
Pricing verified May 2026.
免费试用： The Starter plan is free forever. No credit card is needed to sign up.
退款保证： The free plan carries no risk. Pro is billed monthly or $190 annually.
📌 笔记： Wave eliminates monthly fees for core accounting. The paid Pro plan adds the ability to auto import bank transactions and unlimited digital receipt capture, with only minor additional costs.
⚠️ 警告： Wave charges transaction fees for payment processing. Expect 2.9% + $0.60 per credit card transaction and 1% for bank payments.
Key Benefits of Wave
Here is what makes Wave worth considering:
- Free Accounting Core: The free starter plan covers unlimited invoices, expense management, and basic 报道. There are no monthly fees for core bookkeeping records.
- 用户数量不限： Wave allows unlimited users for free, so multiple users can work in one account. You can also manage multiple companies under one account.
- Smart Invoicing: Create recurring invoices and send automated payment reminders. You can accept online payments through Apple Pay and credit card.
- 收据扫描： The mobile app captures receipts and syncs expense data. This supports clean digital receipt capture for tax time.
- Payroll Add-On: Wave payroll handles direct deposit so any active employee or independent contractor paid through the system gets funds in two business days. Automated tax filing in 14 states helps, giving peace of mind at tax time.
- Bank 安全: Wave uses up to 256-bit TLS encryption and PCI Level 1 compliance. This protects your bank accounts and sensitive data.
我们的团队注意到了什么
我们的 作家 signed up for Wave and spent several days inside the dashboard. Here is what stood out:
Wave Pros & Cons
✅ 优点
- Free starter plan with unlimited invoices and expense tracking
- Clean, intuitive dashboard that shows cash flow at a glance
- Unlimited users and support for multiple companies
- Double-entry accounting that accountants appreciate
Quicken是什么？
Quicken software is personal finance software for individuals and families.
It started at Intuit, then moved to H.I.G. Capital, and later Aquiline Capital Partners in 2021.
The Quicken brand has served over 20 million customers across four decades and keeps planning for the future.
It connects bank accounts, investment accounts, and credit cards in one place.
Quicken is sold only in the United States and Canada, in English.
加速
Quicken is personal finance software for budgeting and investments. It tracks bank accounts, investment accounts, and rental properties.
Quicken定价
Here is what Quicken costs in 2026. Quicken uses an annual subscription model.
| 计划 | 价格 | 最适合 |
|---|---|---|
| Quicken Simplifi | 每月 2.99 美元 | Mobile budgeting and spending trends |
| Quicken 商业及个人版 | 每月 3.99 美元 | Mixed business personal finances |
Pricing verified May 2026.
免费试用： Quicken has no free plan. You can try any plan for 30 days with a money-back guarantee.
退款保证： Returns are accepted within 30 days of purchase for a full refund.
📌 笔记： Simplifi by Quicken starts at $2.99/month when billed annually. Higher Classic tiers like Quicken Deluxe, Quicken Premier, and Quicken Home & Business add deeper tools, and Quicken Business & Personal mixes both. A discounted rate currently applies through Quicken sales promotions. The user interface gives one view of accounts and upcoming bills.
⚠️ 警告： Many users feel the annual subscription is expensive. The subscription is now required to keep bank download functionality working.
Quicken的主要优势
Here is what makes Quicken worth considering:
- Full Financial Picture: Quicken connects thousands of bank accounts, investment accounts, and credit cards. It gives you a single source of truth for your money.
- 投资跟踪： Quicken is one of the best tools for monitoring stocks, retirement accounts, and net worth. It supports tax-loss harvesting insights.
- 终身规划师： This feature helps you set and adjust savings goals over time. It supports long-term retirement planning.
- Rental Property Tools: Landlords can track security deposits and property maintenance expenses. This suits owners of rental properties.
- Business Invoicing: Quicken Business & Personal offers invoicing with reminders for unpaid invoices. It separates business finances from personal ones.
- 强大的安全性： Quicken uses 256-bit encryption and multi factor authentication. It partners with FDIC-backed banks when syncing bank accounts.
我们的团队注意到了什么
Our writer set up Quicken across desktop and the mobile app. Here is what stood out:
Quicken 的优点和缺点
✅ 优点
- Deep investment tracking for stocks, retirement, and net worth
- Lifetime Planner for long-term financial goals
- Rental property and tax tools for complex needs
- 可在Windows系统上运行 苹果iOS 和 Android
❌缺点
- 陡峭的学习曲线可能会让新用户感到不知所措。
- Users report frequent broken bank connections needing manual updates
- No free version, and the annual subscription feels expensive to many
功能对比
Ready to dive into a detailed comparison of Wave vs Quicken?
We will explore eight key features to help you pick the right platform.
| 特征 | 海浪 | 加速 |
|---|---|---|
| 起价 | 0 美元（免费） | 每月 2.99 美元 |
| 免费计划 | ✅ | ❌ |
| 发票 | ✅ | ✅（商业） |
| 费用跟踪 | ✅ | ✅ |
| 投资跟踪 | ❌ | ✅ |
| 薪资处理 | ✅（附加组件） | ❌ |
| Rental Property Tools | ❌ | ✅ |
| 移动应用 | ✅ | ✅ |
| 最适合 | 小企业主 | 个人理财 |
1. Invoicing
海浪： Wave makes invoicing simple. You create customizable, unlimited invoices and track payment flows and open invoices. The invoicing software also schedules recurring billing and sends automatic payment reminders to customers.
加速： Quicken offers invoicing features inside its Business & Personal tier. You can schedule reminders for unpaid invoices. The invoicing features are basic compared to Wave’s dedicated invoicing tools.
2. Expense Tracking
海浪： Wave handles expense tracking with bank account connections that pull transactions automatically. The mobile receipt capture service lets you scan receipts and sync expense data. This reduces manual entry for small business owners.
加速： Quicken provides tools for expense tracking, budgeting, and net worth analysis. You can monitor budgets, check balances, and scan receipts into the app. A spending watchlist flags categories that drift over budget.
3. Bank Connections
海浪： Wave lets you connect bank accounts to sync transactions automatically. Automatic bank transaction imports sit in the paid Pro plan. The auto merge feature helps reconcile records, though some users report glitches with bank syncing.
加速： Quicken links transactions across thousands of bank accounts and credit card accounts. It partners with FDIC-backed banks when syncing bank accounts. Users have reported broken bank connections that need constant re-authentication.
⚠️ 警告： Both tools see occasional bank connection issues. Test your main bank before committing to a paid plan or subscription level.
4. Online Payments
海浪： Wave lets you accept online payments directly on invoices. Customers pay by credit card, bank transfer, or Apple Pay. Payment processing carries a fee of 2.9% + $0.60 per credit card transaction and 1% for bank transactions.
加速： Quicken focuses on bill tracking and bill pay rather than accepting customer payments. It manages outgoing payments and due dates. It is not built to collect credit card payments from clients.
5. Investment Tracking
海浪： Wave is small business accounting software, not personal finance software. It does not track investment accounts or portfolios. Wave focuses on cash flow, income, and expenses for your business.
加速： Quicken shines here. It is considered one of the best tools for monitoring stocks, retirement accounts, and net worth. It records purchase dates and prices and categorizes investment transactions by type.
6. Payroll and Tax Filing
海浪： Wave offers payroll for an added fee. It files taxes and pays any active employee or independent contractor via direct deposit in two business days. Wave provides automated W2 and 1099 tax form generation and tax filing in 14 states.
加速： Quicken does not run payroll. Its tax help focuses on personal returns, with deeper schedules in higher Classic tiers. For accounting and payroll in one place, Wave is the stronger fit.
7. Financial Reports
海浪： Wave generates balance sheets and income statements with its double-entry general ledger. The financial reports cover the basics well. It lacks advanced budgeting and forecasting tools for complex businesses.
加速： Quicken offers richer reporting for personal finance. You can filter by date range and dig into spending, net worth, and retirement. Users who want superior reporting often pick Quicken for that depth.
8. 移动应用
海浪： The Wave mobile app lets you send invoices and track expenses on the go. It keeps the same ease of use as the desktop version. Receipt scanning works straight from your phone camera.
加速： Quicken has companion mobile apps for iOS and Android. Simplifi by Quicken is an app-first tool built for mobile users focused on daily spending trends. You can check balances and scan receipts in the app.
9. 定价与成本
让我们来对比一下这些价格方案。
| 计划 | 海浪 | 加速 |
|---|---|---|
| 自由的 | 0 美元入门计划 | ❌ 无免费套餐 |
| 入场费 | $19/month Pro | $2.99/month Simplifi |
| Business Tier | $19/month Pro | $3.99/month Business & Personal |
| Payroll Add-On | $40/month + $6 per person | ❌ 不提供 |
海浪： Wave wins on upfront cost. The free starter plan covers invoicing and bookkeeping with no subscription. You only pay when you add payroll or accept online payments.
加速： Quicken has no free version, but its monthly price is low. Plans start at $2.99/month billed annually. The value sits in personal finance depth, not business accounting features.
不同场景
| 如果您需要…… | 选择 | 为什么 |
|---|---|---|
| 免费会计 | 海浪 | Free starter plan, no subscription |
| Invoicing and payroll | 海浪 | Accounting and payroll in one place |
| 投资追踪 | 加速 | Stocks, retirement, net worth |
| Rental property tools | 加速 | Tracks deposits and maintenance |
| 个人预算 | 加速 | Spending plans and watchlists |
| 适合初学者的设置 | 海浪 | Cleaner, simpler dashboard |
💰 您的预算
Wave costs nothing to start. Quicken needs a paid plan, but it stays under $4/month billed annually.
🔌 您的技术栈
Wave integrates with payment processing and payroll add-ons. Quicken connects bank accounts and investment accounts for a full financial picture.
📊 Personal vs Business
Wave manages business finances and bookkeeping records. Quicken manages personal finance, with a Business & Personal tier for mixed use.
🎓您的经验水平
Wave is built for small business owners with no accounting background. Quicken can feel overwhelming for new users due to its steep learning curve.
🆓 免费试用和演示
Wave’s free version lets you test everything with no time limit. Quicken offers a 30-day money-back guarantee instead of a free plan.
🛟 支持选项
Wave’s support is limited on the free version, mostly a help center and chatbot. Quicken offers phone and chat support across its paid plans.
切换指南
已经在使用这些工具了吗？如果您切换到其他工具，可能会遇到以下情况。
🔄 Switching from Wave to Quicken?
✅ 你将获得：
- Investment accounts and net worth tracking
- Rental property and personal finance tools
- The Lifetime Planner for retirement goals
❌ 你会失去什么：
- Free accounting with no subscription
- Built-in payroll processing
- The option to accept online payments on invoices
📋 如何切换：
- Export your reports and transactions from Wave
- Buy a Quicken plan and create your account
- Connect your bank accounts and import data manually
🔄 Switching from Quicken to Wave?
✅ 你将获得：
- Free accounting software with unlimited invoices
- Unlimited users across multiple companies
- Payroll and online payments for your business
❌ 你会失去什么：
- Investment account tracking
- Rental property management tools
- The Lifetime Planner and personal budgeting depth
📋 如何切换：
- Export your data from Quicken
- Create a free Wave account, no credit card needed
- Connect bank accounts and rebuild your chart of accounts
我们的评测没有涵盖的内容
This comparison focused on individuals and small business owners. We did not test enterprise setups or Quicken’s higher Classic Deluxe and Premier tiers in depth. Our notes are based on the May 2026 versions, so features may change. If you manage a large team or complex portfolio, your needs may differ from what we covered here.
最终判决
| 类别 | 优胜者 |
|---|---|
| 💰 定价 | 海浪 |
| 🧾 Invoicing | 海浪 |
| 💼 Payroll | 海浪 |
| 📈 投资追踪 | 加速 |
| 🏠 Rental Property Tools | 加速 |
| 👶 易用性 | 海浪 |
| 🏆 总冠军 | 海浪 |
🏆 WINNER: WAVE
Wave wins 4 out of 6 categories.
最适合： Freelancers, small business owners, and service-based businesses that need free invoicing and bookkeeping.
Wave and Quicken are two very different products. They just happen to live near each other in the accounting category.
Wave is free accounting software for small business invoicing and payroll. Quicken is paid personal finance software for budgets and investments.
Quicken is excellent if you want one place for personal finance, investment accounts, and rental properties. The depth is hard to match.
However, if you run a business and want free invoicing plus optional payroll, Wave is the better choice for most users. We recommend Wave for small business owners on a budget.
More of Wave Compared
Here is how Wave stacks up against other competitors:
波浪 vs QuickBooks
Wave 获胜条件： Free accounting core, unlimited users at no cost, simpler setup for beginners
QuickBooks 在以下方面胜出： Advanced inventory, deeper integrations, broader scalability for growing teams
Wave 获胜条件： Zero monthly fee for core accounting, easier learning curve, free payroll-free bookkeeping
Xero 获胜方式： Stronger inventory tracking, wider app marketplace, more advanced reporting options
Wave 获胜条件： Free plan with no monthly charge, unlimited invoices, multi-company support
FreshBooks 获胜方式： Built-in time tracking, billable hours, stronger project management for agencies
Wave 获胜条件： Free starter tier, no per-user fees, faster onboarding for solo owners
Zoho Books 赢得： 工作流程 自动化, tight Zoho suite integration, client portal depth
Quicken 的更多比较
Here is how Quicken stacks up against other competitors:
Quicken vs Empower
Quicken 获胜： Local desktop control, rental property tools, deeper budget categories
Empower wins on: Free account tracking, slick investment dashboards, no subscription for the basics
Quicken vs Moneydance
Quicken 获胜： Larger bank network, Lifetime Planner, four decades of brand history
Moneydance wins on: One-time purchase pricing, cross-platform flexibility, lighter learning curve
Quicken vs Banktivity
Quicken 获胜： Windows and Mac coverage, broader investment analysis, established support network
Banktivity wins on: Mac-native design, one-time license option, focused personal budgeting interface
Quicken 获胜： Personal finance focus, lower monthly cost, investment and net worth tracking
QuickBooks 在以下方面胜出： Full business accounting, payroll integration, accountant collaboration features
常见问题解答
Wave会计软件真的免费吗？
Yes. The free starter plan covers unlimited invoices, expense tracking, and basic reports. You only pay for payroll or payment processing as add-on costs.
Wave比QuickBooks更好吗？
For free invoicing and simple bookkeeping, Wave is hard to beat. QuickBooks offers more advanced features for larger businesses that need scalability.
Wave售价多少？
The starter plan is $0. The Pro plan is $19/month or $190 annually. Payroll adds $40/month plus $6 per active employee or contractor.
Quicken 难学吗？
It can be. Quicken is often described as overwhelming for new users due to a steep learning curve. The reporting depth is worth the effort for many.
Quicken一个月要多少钱？
Plans start at $2.99/month for Simplifi, billed annually. Business & Personal is $3.99/month. There is no free plan, but a 30-day money-back guarantee applies.
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