如何使用 Wave：2026 年分步指南

快速入门

本指南涵盖了 Wave 的所有功能：

• 入门 — Create your account and link a bank
• 如何使用账户对账 — Match imported bank transactions against your books so every balance checks out
• 如何使用会计科目表 — Organize income and expense accounts so every report reads clearly
• 如何使用发票 — Create and send professional invoices that clients can pay online in a click
• 如何使用产品和服务 — Save the items you bill often so new invoices take seconds
• 如何使用报税工具 — Pull the sales tax and year-end totals your accountant asks for
• 如何使用费用跟踪 — Capture bills and receipts so no deduction slips away at tax time
• 如何使用财务报告 — View profit and loss, cash flow, and balance sheet reports any time
• 如何使用移动应用 — Scan receipts and send invoices from your phone between jobs
• 如何使用多币种支持 — Invoice international clients and record what actually landed in your account

所需时间： 每部影片 5 分钟

本指南还包含以下内容： 专业提示 | 常见错误 | 故障排除 | 定价 | 替代方案

为什么信任本指南

I have run my own books in Wave for three years and tested every feature here.

本教程源自实际操作经验，而非厂商提供的屏幕截图。

Wave lets 小型企业 owners create beautiful invoices, accept online payments, and make accounting easy.

But most people only ever send an invoice and stop there.

Knowing how to use Wave properly gets rid of hours of manual 簿记.

That frees you to focus on the work that actually pays.

This guide shows you every feature, step by step, with pro tips.

Wave教程

This How to Use Wave tutorial walks through every feature, from your first login to tax time.

海浪

Send invoices, track bank transactions, and keep 商业 finances tidy without paying for software. Wave is free 会计 built for small business owners and solopreneurs. Add online payments and get paid faster.

立即体验 Wave →

阅读完整评测 →

波浪替代方案 →

Wave入门指南

Do this one-time setup before touching any feature.

大约需要三分钟。

The setup takes a bit of patience, then Wave keeps running on its own.

Here is what the first few weeks looked like for me:

现在让我们一步一步来。

第一步：创建您的帐户

Go to Wave’s website and click Sign Up.

Use a business email, then set up your company profile with a logo and brand colors.

✓ 检查点： 检查你的 收件箱 用于确认邮件。

步骤二：访问控制面板

Wave runs in the browser.

iOS 和 安卓 apps handle receipts and invoices on the move.

Log in and take a look around.

以下是仪表盘的界面：

✓ 检查点： You should see cash flow and unpaid invoices on the home screen.

Step 3: Link Your Bank

Connect your business bank and credit card accounts under Banking.

Wave imports bank transactions automatically, which saves real time on bookkeeping.

如何使用 Wave 账户对账

账户核对 lets you match imported bank transactions against your books so every balance checks out.

以下是使用步骤详解。

第一步：连接您的银行

Open Banking and link your business bank and credit card accounts.

Wave then pulls transactions in automatically instead of manual entry.

Step 2: Review the Imported List

Open Reconciliation and pick the account plus the month you want to close.

这就是它的样子：

✓ 检查点： Your statement balance and Wave balance should sit side by side.

Step 3: Match and Close the Month

Confirm each match, then adjust the ending balance until the difference reads zero.

How to Use Wave Charts of Account

会计科目表 lets you organize income and expense accounts so every report reads clearly.

以下是使用步骤详解。

Step 1: Open the Accounting Menu

进入“会计”菜单，然后选择“会计科目表”。

Step 2: Add a Custom Category

Create custom income and expense categories that match your project types.

这就是它的样子：

✓ 检查点： The new account appears under the right section with a running balance.

Step 3: Map Transactions to It

Assign imported bank transactions to the new category as they arrive.

如何使用 Wave 发票

发票 lets you create and send professional invoices that clients can pay online in a click.

以下是使用步骤详解。

Step 1: Start a New Invoice

Click Invoices, then Create a New Invoice.

Add your logo and brand colors once and Wave reuses them.

Step 2: Add Line Items and Terms

Pick saved products, set quantities, and choose a due date.

这就是它的样子：

✓ 检查点： The preview shows a Pay Now button above the total.

Step 3: Turn On Wave Payments

Enable credit card, bank transfer, and Apple Pay before you send it.

如何使用 Wave 产品和服务

产品与服务 lets you save the items you bill often so new invoices take seconds.

以下是使用步骤详解。

Step 1: Open Products and Services

Go to Sales, then Products & Services.

Step 2: Add Your Repeat Items

Enter a name, price, and the income account it should post to.

这就是它的样子：

✓ 检查点： Your saved item fills in price and category on its own.

Step 3: Reuse Them on Invoices

Select saved items from the dropdown instead of retyping them.

How to Use Wave Tax Filler

报税 lets you pull the sales tax and year-end totals your accountant asks for.

以下是使用步骤详解。

Step 1: Create Your Tax Rates

Under Sales Taxes, add each rate you charge.

Step 2: Apply Tax to Line Items

Tick the tax box on taxable invoice rows only.

这就是它的样子：

✓ 检查点： Tax collected and tax paid show as separate totals.

Step 3: Run the Sales Tax Report

Open Reports, then Sales Tax Report, and filter by date range.

How to Use Wave Expense Tracker

费用跟踪 lets you capture bills and receipts so no deduction slips away at tax time.

以下是使用步骤详解。

Step 1: Record Bills as They Arrive

Enter vendor bills under Purchases so unpaid amounts stay visible.

Step 2: Scan Every Receipt

Snap receipts in the app and attach them to the matching transaction.

这就是它的样子：

✓ 检查点： Each expense row shows a paperclip icon for its attached receipt.

Step 3: Categorize the Spend

Assign each expense to a category and, if useful, a specific project.

如何使用 Wave 财务报告

财务报告 lets you view profit and loss, cash flow, and balance sheet reports any time.

以下是使用步骤详解。

步骤 1：打开“报告”选项卡

Click Reports to view the full list.

步骤二：运行损益表

Filter by income and expense categories to see which project actually earned money.

这就是它的样子：

✓ 检查点： Your Profit & Loss shows income, expenses, and net profit for the period.

Step 3: Export or Share It

Download as CSV or PDF, or share access with your bookkeeper.

如何使用 Wave 移动应用

移动应用 lets you scan receipts and send invoices from your phone between jobs.

以下是使用步骤详解。

Step 1: Install and Sign In

Download the Wave app and log in with the same account.

Step 2: Photograph a Receipt

Tap Receipts and take the photo in decent light.

这就是它的样子：

✓ 检查点： The receipt lands in your list with data already populated.

Step 3: Confirm the Scanned Data

Wave uses OCR to fill in vendor, date, and amount for you.

如何使用 Wave 多币种支持

多币种支持 lets you invoice international clients and record what actually landed in your account.

以下是使用步骤详解。

Step 1: Set Your Home Currency

Confirm your base currency in Business Settings first.

Step 2: Choose a Currency Per Invoice

Pick the client’s currency when you create the invoice.

这就是它的样子：

✓ 检查点： The invoice shows the foreign amount plus its home-currency value.

Step 3: Record the Received Amount

Log the payment so exchange differences post correctly.

Wave Pro 使用技巧和快捷键

After three years in Wave, these are the tips I actually use.

键盘快捷键

大多数人错过的隐藏功能

• Partial refunds: Send either a full or partial refund on any customer payment, straight from the payment record.
• Google Sheets add-on: Import and export customers, products, and invoices in bulk instead of one at a time.
• Estimates that convert: Create a project estimate, then turn it into an invoice once the client approves it.
• Collaborator access: Share view-only or edit access with your accountant without handing over your password.

These small features are where Wave quietly beats pricier accounting solutions.

避免常见的错误

Mistake #1: Mixing personal and business money

Mistake #2: Typing in transactions the bank already sent

Mistake #3: Invoicing without online payments turned on

波浪故障排除

Problem: Bank feed stopped importing transactions

原因： Your bank changed its login rules or the connection expired.

使固定： Go to Banking, reconnect the account, then import the missing period manually.

Problem: Reconciliation will not balance

原因： A duplicate transaction or a payment recorded on the wrong date.

使固定： Sort by amount, delete the duplicate, and check dates near the month boundary.

Problem: A client says the invoice link does not work

原因： The email landed in spam, or the invoice is still a draft.

使固定： Confirm the invoice status is sent, then share the payment link directly.

📌 笔记： If none of these fix your issues, contact Wave support.

什么是波？

海浪 is a free accounting tool that keeps business finances, invoices, and bills in one place.

Think of it as a bookkeeper that never sends a bill.

Wave专为各个阶段的小企业主和个体经营者而设计。

观看这段快速概览：

它包含以下主要特点：

• 账户核对： Match imported bank transactions against your books so every balance checks out
• 会计科目表： Organize income and expense accounts so every report reads clearly
• 发票： Create and send professional invoices that clients can pay online in a click
• 产品与服务： Save the items you bill often so new invoices take seconds
• 报税： Pull the sales tax and year-end totals your accountant asks for
• 费用跟踪： Capture bills and receipts so no deduction slips away at tax time
• 财务报告： View profit and loss, cash flow, and balance sheet reports any time
• 移动应用： Scan receipts and send invoices from your phone between jobs
• 支持多种货币： Invoice international clients and record what actually landed in your account

如需完整评测，请参阅我们的 波浪评论.

It is worth a read before you commit your books to any platform.

波浪定价

Here is what Wave costs in 2026:

免费试用： Yes. The Starter Plan is free forever, so you can test Wave with no card.

退款保证： None published. You can cancel the Pro Plan at any point.

💰 性价比最高： Starter Plan — free accounting and invoicing covers most solo businesses.

Move to Pro once manual bank transaction entry starts eating your week.

Wave 与其他方案

How does Wave compare? Here is the landscape:

快速精选：

• 综合最佳： QuickBooks — deepest feature set and every accountant knows it
• 最佳预算： Wave — free accounting, invoicing, and receipt scanning with no plan limits
• 最适合初学者： Wave — plain language and few menus to get lost in
• 最适合成长型团队： Xero — payroll, inventory, and a large app marketplace

🎯 Wave Alternatives

正在寻找 Wave 的替代方案？以下是一些最佳选择：

• 🚀 Puzzle IO: Built for startups that want automated accounting and fast close cycles.
• 💰 右手： Receipt and bill capture at volume, feeding into your main ledger.
• 🌟 Xero： Full double-entry accounting with a deep app marketplace and payroll.
• 📊 辛德： Syncs ecommerce and payment platform sales into your books automatically.
• ⚡ 轻松月末: Checklist-driven close process for teams that reconcile every month.
• 🧠 多西特: AI bookkeeping with automated categorization and back-office support.
• 🏢 圣人： Established accounting with inventory and industry-specific modules.
• 💼 Zoho Books： Strong free tier plus a wide business software suite around it.
• ⭐ 加速: Personal and rental property finance tracking with light business tools.
• 🔧 Hubdoc: Fetches bills and statements from vendors and files them for you.
• 💳 Expensify： Expense reports and corporate cards for teams that 旅行.
• 🔥 QuickBooks： The market standard, with payroll, inventory, and accountant familiarity.
• 🎯 自动输入: Automated data extraction from invoices, receipts, and statements.
• 🎨 FreshBooks： 发票和 时间跟踪 aimed squarely at service freelancers.
• 👶 NetSuite: Enterprise resource planning for companies that outgrew small business tools.

完整列表请参见我们的 波浪替代方案 指导。

⚔️ 波浪对比

Here is how Wave stacks up against each competitor:

• 波浪对决拼图 IO： Wave is free and simpler. Puzzle IO suits venture-backed teams with accrual needs.
• 波浪 vs 右旋: Dext beats Wave on document capture. Wave gives you the whole ledger free.
• Wave 对比 Xero: Xero wins on features and integrations. Wave wins on price for small business owners.
• Wave vs Synder: Synder handles Shopify and Stripe volume better. Wave covers service businesses fine.
• 波浪式与轻松的月末: Wave includes reconciliation free. Easy Month End adds structure for larger finance teams.
• Wave vs Docyt: Docyt automates more. Wave costs nothing and stays easy to learn.
• 浪潮对战贤者: Sage suits established firms. Wave fits freelancers and one-person shops better.
• Wave 和 Zoho Books 的比较: Zoho Books offers more automation. Wave has a friendlier learning curve.
• Wave 对阵 Quicken: Quicken leans personal. Wave is built for business finances and invoicing.
• Wave vs Hubdoc: Hubdoc is a document tool, not a ledger. Wave does the actual bookkeeping.
• Wave vs Expensify: Expensify owns employee reimbursements. Wave handles the full set of books.
• Wave 与 QuickBooks 的比较: QuickBooks does more. Wave does the core free, which matters at year one.
• Wave vs 自动入场: AutoEntry only extracts data. Wave gives you reporting, invoices, and payments too.
• Wave 与 FreshBooks 的比较: FreshBooks has better time tracking. Wave charges nothing for invoices and accounting.
• Wave 与 NetSuite: NetSuite is enterprise scale. Wave is for people running lean, not running departments.

立即开始使用 Wave

你已经学会了如何使用 Wave 的所有主要功能：

• ✅ 账户核对
• ✅ 会计科目表
• ✅ 发票
• ✅ 产品与服务
• ✅ 报税
• ✅ 费用跟踪
• ✅ 财务报告
• ✅ 移动应用
• ✅ 支持多种货币

下一步： Pick one feature and try it today.

大多数人都是从发票开始的。

It takes less than five minutes to send your first one.

常见问题解答

Wave应用程序是如何工作的？

You link your bank and Wave imports transactions automatically. From there you categorize spending, send invoices, accept online payments, and track business finances.

Wave对初学者来说容易上手吗？

Yes. Wave is built for small business owners with no accounting background. Most people send a first invoice within ten minutes of signing up.

如何免费使用 Wave？

Sign up for the Starter Plan at $0. You get invoicing, accounting, and reports free. You only pay processing fees when clients send payments.

Wave比QuickBooks更容易使用吗？

For simple books, yes. Wave shows fewer menus and less jargon. QuickBooks offers more depth, which helps once you add inventory, payroll, or staff.

Wave App是否向美国国税局报告？

Wave itself does not file your taxes. Payment processing may generate tax forms where thresholds apply. You still report income yourself using Wave’s reports.