Gusto vs Wave
A detailed comparison of Gusto and Wave in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Gusto
Payroll, benefits, and HR for small businesses
Gusto is a financial and accounting service that provides payroll, benefits, and hr for small businesses. Founded in 2011 and headquartered in San Francisco, California, Gusto offers 3 pricing plans. Plans start from $40/month. Key features include Payroll, Benefits admin, Time tracking, Hiring. Gusto is a popular choice for users looking for quality finance subscriptions.
Wave
Free accounting and invoicing for small businesses
Wave is a financial and accounting service that provides free accounting and invoicing for small businesses. Founded in 2010 and headquartered in Toronto, Canada, Wave offers 2 pricing plans. It offers a free tier as well as paid plans starting from $16/month. Key features include Free accounting, Invoicing, Receipts scanning, Payments. Wave is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Gusto | Wave |
|---|---|---|
| Starting Price | $40/mo | Free |
| Plans Available | 3 | 2 |
| Year Founded | 2011 | 2010 |
| Headquarters | San Francisco, California | Toronto, Canada |
| Payroll | ||
| Benefits admin | ||
| Time tracking | ||
| Hiring | ||
| Tax filing | ||
| Workers comp | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Gusto Pricing
Wave Pricing
Frequently Asked Questions
Is Gusto or Wave better in 2026?
Both Gusto and Wave are excellent finance services. Gusto offers Payroll and Benefits admin, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Gusto cost compared to Wave?
Gusto starts at $40/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Gusto and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Gusto and Wave. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Gusto, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.