Wave vs Zoho Books

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

Compare	WaveH&R Block	Zoho BooksZoho
In one line	Free double-entry accounting and invoicing	Free for small revenue, strong with the Zoho suite
Starting price	Free	Free
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¢	Free under $50k revenue; Standard $15/mo; Professional $40/mo; Premium $60/mo; Elite $120/mo; Ultimate $240/mo (billed annually)
Pricing model	Free tier	Free tier
Free trial	—	—
Users	1 on free plan	1 on free; 3 on Standard
Both connect to	Helcim, Wise Business
Also connects to	Shoeboxed, Wave Payroll15+ listed by the vendor	Square POS, Stripe Invoicing, Ramp, Zoho Expense, PayPal Invoicing, Payoneer Workforce Management
Team size	Just me · 2–10 people	Just me · 2–10 people · 11–50 people
Available in	US · CA	US · UK · CA · AU
Phone support	None listed	Standard and up
Live chat	Plans not stated	Standard and up
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	Email: Monday to Friday, 9 am to 9 pm ET · Phone: Mon- Fri ( 9:00AM to 9:00PM ET )
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	Zoho has a public status page. Status page
Capterra score	4.4 / 5 from 1,731 reviews	4.4 / 5 from 681 reviews
Trustpilot score	3.1 / 5 from 558 reviews	Not listed
Fit: Retail shop	71	66
Fit: Restaurant or café	60	55
Fit: Service business	85	75
Fit: Agency or studio	70	72
Fit: Trades or contractor	75	65
Fit: Online store	55	70
Why people pick it	Free core product Simple invoicing	Generous free tier Deep Zoho ecosystem
Where it falls short	No inventory or job costing Bank connections now behind Pro	Fewer accountants know it UI is dense
	Visit Wave ↗	Visit Zoho Books ↗

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