Wave vs Patriot Accounting

Two accounting tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	WaveH&R Block	Patriot AccountingPatriot Software
In one line	Free double-entry accounting and invoicing	Plain US bookkeeping from $20 a month, with payroll from the same company
Starting price	Free	From $20/mo
Six-person team	$0/mo	$20/mo
Plans	Free (bank transactions entered by hand); Pro $19/mo or $190/yr adds automatic bank imports and receipt capture; cards 2.9% + 60¢	Accounting Basic $20/mo (unlimited users); Accounting Premium $30/mo (estimates, recurring invoices, user permissions); 50% off the first 3 months; 30 days free
Pricing model	Free tier	Free trial
Free trial	—	30 days
Users	1 on free plan	Unlimited
Both connect to	No shared connections on record.
Also connects to	Helcim, Shoeboxed, Wave Payroll, Wise Business15+ listed by the vendor	Stripe Invoicing, Patriot Payroll
Team size	Just me · 2–10 people	Just me · 2–10 people
Available in	US · CA	US
Phone support	None listed	Every plan
Live chat	Plans not stated	Every plan
Support hours	Live chat: Monday to Friday from 9 AM to 5 PM Eastern, Monday to Friday from 9 AM to 4:45 PM Eastern	Phone: 9a.m. - 7p.m. ET, Monday - Friday
Incidents posted	5 incidents posted on H&R Block's status page, which covers all H&R Block products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by H&R Block. Status page	2 incidents posted on Patriot Software's status page, which covers all Patriot Software products and regions, in the 90 days to Oct 27, 2026; 2 marked major or critical by Patriot Software. Status page
Capterra score	4.4 / 5 from 1,731 reviews	4.8 / 5 from 3,966 reviews
Trustpilot score	3.1 / 5 from 558 reviews	Not listed
Fit: Retail shop	71	60
Fit: Restaurant or café	60	55
Fit: Service business	85	82
Fit: Agency or studio	70	70
Fit: Trades or contractor	75	80
Fit: Online store	55	45
Why people pick it	Free core product Simple invoicing	Low price with US phone support Pairs with Patriot Payroll
Where it falls short	No inventory or job costing Bank connections now behind Pro	US only No inventory or multi-currency
	Visit Wave ↗	Visit Patriot Accounting ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices