Wave vs ZipBooks

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

Compare	WaveH&R Block	ZipBooksZipBooks
In one line	Free double-entry accounting and invoicing	Free invoicing and books, with paid plans for small teams
Starting price	Free	Free for 1 user
Six-person team	$0/mo	$0/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¢	Starter free (unlimited invoices, 1 bank account); Smarter $15/mo (5 team members, recurring invoices, time tracking); Sophisticated $35/mo (unlimited users, reconciliation); billed monthly
Pricing model	Free tier	Free tier
Free trial	—	30 days
Users	1 on free plan	1 on Starter; 5 on Smarter
Both connect to	No shared connections on record.
Also connects to	Helcim, Shoeboxed, Wave Payroll, Wise Business15+ listed by the vendor	Square POS, Gusto, Stripe Invoicing, PayPal Invoicing
Team size	Just me · 2–10 people	Just me · 2–10 people
Available in	US · CA	US · UK · CA · AU
Phone support	None listed	None listed
Live chat	Plans not stated	Plans not stated
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	Live chat: Mon-Fri 8am-4pm MT
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	We found no public status page for ZipBooks.
Capterra score	4.4 / 5 from 1,731 reviews	4.5 / 5 from 115 reviews
Trustpilot score	3.1 / 5 from 558 reviews	3.5 / 5 from 3 reviews (few reviews)
Fit: Retail shop	71	55
Fit: Restaurant or café	60	45
Fit: Service business	85	85
Fit: Agency or studio	70	75
Fit: Trades or contractor	75	72
Fit: Online store	55	45
Why people pick it	Free core product Simple invoicing	Free plan with unlimited invoices 30-day trial without a card
Where it falls short	No inventory or job costing Bank connections now behind Pro	Reconciliation only on the $35 plan No inventory tracking
	Visit Wave ↗	Visit ZipBooks ↗

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