Xero vs Wave: Complete Comparison (2026)

Xero vs Wave: which one actually runs your entire business?

Both handle the accounting side: invoicing, expense tracking, bank connections, and financial reports. But once the books are done and client work needs to start, most freelancers end up managing proposals, projects, and time entries through separate apps... because neither has proposals with e-signatures, project management with task boards, time tracking tied to invoices, or a client portal where clients check progress without emailing.

Xero covers bank reconciliation, multi-currency invoicing, payroll, and accountant-grade reporting across three plans starting at $25/month, but there are no proposals, no contracts, no project boards beyond a basic time-and-cost tracker, and no client portal, so freelancers pay $25-90/month for a tool their accountant uses while the actual client work lives in 3-4 separate apps.

Wave handles invoicing and bookkeeping on a free Starter plan with a Pro tier at $16/month for recurring invoices and auto bank imports, but there's no multi-currency support, no project management, no time tracking, no proposals, and customer support for free users is limited to a chatbot and knowledge base.

Plutio handles invoicing, then connects it to the rest of the workflow. Proposals auto-create projects with task boards and deadlines, tracked time feeds directly into invoice line items, and clients view progress, approve deliverables, and pay invoices from a branded portal at your domain. Skip the comparison and try Plutio free.

Last updated March 2026

4.6

Quick comparison (TLDR)

Xero is cloud accounting software for small businesses and accountants. Plans range from $25/month (Early, 20 invoices) to $90/month (Established, multi-currency and Projects add-on). Xero covers bank reconciliation, payroll, expense claims, and financial reporting, but has no proposals, contracts, or client portal.

Wave is free accounting and invoicing software for freelancers and micro-businesses. The Starter plan costs $0 for invoicing and expense tracking, while Pro ($16/month) adds recurring invoices and auto bank imports. Wave has no multi-currency support, no project management, and no time tracking.

Key differences at a glance

Price point: Wave's free plan covers invoicing and bookkeeping at $0. Xero's cheapest plan starts at $25/month and caps invoicing at 20 per month.
Accounting depth: Xero includes bank reconciliation rules, fixed asset tracking, purchase orders, and accountant-grade reporting. Wave covers basic income/expense tracking and profit-and-loss reports.
Multi-currency: Xero supports multi-currency invoicing on the Established plan ($90/month). Wave handles one currency only.
Bank feeds: Xero auto-imports and categorizes bank transactions on all plans. Wave limits auto bank imports to the Pro plan ($16/month).
Customer support: Xero includes email and chat support on all plans. Wave's free users only get a chatbot and knowledge base, with live support limited to paid plans.
Payroll: Both offer payroll as paid add-ons, but availability varies by country. Xero covers AU, NZ, UK, and US. Wave covers US and Canada.

The verdict? Xero fits if you need accountant-grade books with multi-currency and bank reconciliation. Wave fits if you need free invoicing and basic bookkeeping. If you need invoicing connected to proposals, projects, time tracking, and a branded client portal, Plutio covers everything for $19/month.

Paying for accounting but still copying hours into invoices?

One branded platform. Proposal to payment.

Proposals, contracts, project boards, time tracking, invoicing, and a branded client portal. All connected for $19/month.

No credit card required

Plutio - Your entire business, one login away

4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Invoicing and payments

A client finishes a project and needs to pay. How does each tool handle creating, sending, and collecting on invoices?

Xero

Xero includes invoicing on all plans with online payment collection through Stripe, GoCardless, or PayPal. Invoices support custom branding, automatic payment reminders, batch invoicing, and recurring schedules. The Early plan ($25/month) limits you to 20 invoices per month. Growing ($55/month) removes the cap. Multi-currency invoicing requires the Established plan at $90/month.

Invoices exist separately from the rest of the client relationship. There are no proposals or contracts linking to them, and no tracked time that feeds into line items, so every invoice amount gets entered manually.

Custom-branded invoice templates
Automatic payment reminders
Recurring and batch invoicing
Multi-currency (Established plan)
20-invoice cap on Early plan
No connection to proposals or time tracking

Wave

Wave includes unlimited invoicing on the free Starter plan with credit card and ACH payment processing. Credit card payments cost 2.9% + $0.60 per transaction, and ACH costs 1% with a $1 minimum. The Pro plan ($16/month) adds recurring invoices, late payment reminders, and removes Wave branding from invoices.

Wave invoices are template-based with no drag-and-drop builder. There is no multi-currency support, so international freelancers can only invoice in one currency. And like Xero, there is no time tracking that feeds into invoices.

Unlimited invoicing (free)
Credit card and ACH payments
Partial payments and deposits
Recurring invoices (Pro only, $16/month)
Template-based only, no drag-and-drop
No multi-currency support

Accounting and bank reconciliation

Tax season arrives and your accountant needs clean books. How deep does each tool go on the accounting side?

Xero

Xero's accounting features center on accountant workflows. Bank feeds auto-import transactions, reconciliation rules apply recurring categorizations, and the chart of accounts matches standard accounting frameworks. Xero includes fixed asset depreciation, purchase orders, and a full balance sheet with journal entries. Accountants get their own login to review, advise, and file directly.

For freelancers who work with an accountant or plan to grow into a team, Xero covers the accounting fundamentals which goes beyond what most invoicing-focused tools include.

Auto bank feeds with reconciliation rules
Fixed asset tracking and depreciation
Purchase orders and bills
Accountant login with direct access
Balance sheet and journal entries
VAT/GST reporting (regional)

Wave

Wave covers basic bookkeeping: income tracking, expense categorization, and profit-and-loss reports. Bank and credit card accounts connect for transaction tracking, and receipt scanning ($8/month add-on or free on Pro) captures expenses from photos. Wave generates a balance sheet, income statement, and sales tax report.

Wave's accounting stops at categorization. There are no reconciliation rules, no fixed asset tracking, no purchase orders, and no journal entry editor. Accountants can log in but have limited tools compared to Xero's accountant dashboard.

Income and expense tracking
Bank and credit card connections
Profit-and-loss and balance sheet
Receipt scanning (add-on or Pro)
No reconciliation rules or automation
No fixed asset tracking or purchase orders

Reporting and financial analysis

Quarter ends and you need to see which clients earn the most, which projects ran over budget, and where money actually went.

Xero

Xero includes over 50 built-in reports covering profit and loss, balance sheet, aged receivables, budget vs actuals, and cash flow. Reports filter by date range, tracking categories, and comparison periods. Xero also supports budgeting, so freelancers can set revenue targets and compare actual income against them.

For agencies and growing freelancers, tracking categories let you segment income and expenses by project type, client, or department, which makes it possible to see how much each category earns without a separate analytics tool.

50+ built-in financial reports
Budget vs actuals comparison
Aged receivables and payables
Tracking categories for segmentation
Cash flow projections
Custom report layouts

Wave

Wave includes core financial reports: profit and loss, balance sheet, sales tax, aged receivables, and a cash flow statement. Reports are pre-built with date filtering and export to CSV. For most freelancers who need to see how much came in, how much went out, and what's unpaid, Wave's reports cover the basics.

Wave has no budgeting, no tracking categories for segmenting by client or project type, and no way to compare periods side by side. Freelancers who need to understand which clients or services earn the most have to export data and build reports manually in a spreadsheet.

Profit-and-loss statement
Balance sheet and cash flow
Aged receivables report
CSV export
No budgeting or forecasting
No client or project segmentation

Payroll and team payments

A team member or contractor needs to get paid. Does the payroll run inside the accounting tool or through a separate service?

Xero

Xero includes payroll as a built-in feature in Australia, New Zealand, and the UK, and as a partner integration (Gusto) in the US. Payroll handles pay runs, tax calculations, leave tracking, and direct deposit. Employees access a self-service portal for payslips and leave requests. In supported countries, payroll data flows directly into Xero's accounting without manual journal entries.

For US-based freelancers with contractors or employees, the Gusto integration means payroll data still syncs into Xero, but the experience runs through a separate tool.

Built-in payroll (AU, NZ, UK)
Gusto integration for US payroll
Tax calculations and filing
Employee self-service portal
Leave management and tracking
US payroll through third-party integration

Wave

Wave Payroll covers the US and Canada with tax filing in 14 US states (full-service) and manual tax filing in the remaining states. Pricing starts at $40/month base plus $6/month per employee or contractor. Wave handles direct deposit, tax form generation (W-2, 1099), and automatic tax calculations in supported states.

Wave Payroll is limited to two countries, with full tax-service only available in 14 US states. Payroll transactions do flow into Wave's accounting, but there is no leave tracking, no employee self-service portal, and no integration with time tracking since Wave doesn't have one.

Direct deposit processing
Tax form generation (W-2, 1099)
Full-service tax filing (14 states only)
US and Canada only
No leave management
No employee self-service portal

Integrations and ecosystem

Neither tool covers proposals, projects, or time tracking. How easily does each one connect to the tools that fill those gaps?

Xero

Xero's app marketplace lists over 1,000 integrations across project management, time tracking, CRM, inventory, and e-commerce. Popular connections include Hubdoc (receipt capture, included free), Stripe, PayPal, Shopify, Harvest, and Toggl. Xero publishes API documentation, and most popular business tools offer a direct Xero integration.

For freelancers already using separate tools for projects and time tracking, Xero connects to most of them. But each integration is a separate subscription with its own login, and data syncs on a schedule rather than in real time.

1,000+ integrations in marketplace
Hubdoc receipt capture (free)
Direct Stripe and PayPal connections
Time tracking integrations (Harvest, Toggl)
E-commerce connections (Shopify, WooCommerce)
Each integration adds cost and a separate login

Wave

Wave has limited native integrations compared to Xero. Wave connects to Zapier for automations, PayPal for payments, Google Sheets for reporting, and Etsy for e-commerce. There is no dedicated app marketplace, and most integrations run through Zapier rather than direct connections.

The limited integration library means freelancers who need project management, time tracking, or CRM alongside Wave have fewer options for connecting data. Manual CSV export and import often fills the gap, which means duplicated effort and delayed data.

Zapier connection for automation
PayPal payment integration
Google Sheets export
Etsy and Shoeboxed connections
No dedicated app marketplace
Most connections require Zapier (paid)

User experience and setup

A new freelancer signs up and wants to send the first invoice. How long until they're actually working?

Xero

Xero's interface is built around an accounting-first navigation: dashboard, bank accounts, invoices, reports, contacts. Setting up involves connecting bank accounts, configuring the chart of accounts, and setting up invoice templates. For freelancers who aren't accountants, the terminology and workflow take a few days to learn.

Xero's accounting depth creates a steeper learning curve. Most freelancers can send an invoice in the first session, but properly setting up bank reconciliation, tax categories, and reporting takes a week or more of configuration.

Web and mobile apps (iOS, Android)
Multi-user access with role permissions
30-day free trial on all plans
Accounting-focused interface takes time to learn
Chart of accounts setup required before full use

Wave

Wave's interface puts invoicing front and center, with invoicing as the main navigation item and fewer menu options than Xero. Account creation takes minutes, and most freelancers send their first invoice on day one. The free plan means there is no trial period or payment commitment to start. The dashboard shows income, expenses, and unpaid invoices in one view.

The trade-off for simplicity is fewer options. Wave lacks the bookkeeping features that Xero offers, but for freelancers who need to invoice clients and track expenses without learning accounting terminology, Wave has fewer configuration steps before the first invoice goes out.

Free to start with no trial limit
Invoice sent in first session
Web and mobile apps (iOS, Android)
Limited multi-user and permissions
Fewer customization options for power users

Expense tracking and receipt capture

A contractor lunch receipt, a software subscription charge, a client reimbursement. Where do expenses go?

Xero

Xero includes expense claims and receipt capture through Hubdoc (included free on all plans). Hubdoc scans receipts, extracts the vendor name, date, and amount, and pushes the data into Xero as a bill or expense. Expense claims let team members submit receipts for approval, and reimbursable expenses can be allocated to specific projects or tracking categories.

Bank feed transactions auto-categorize using reconciliation rules that Xero learns over time, so recurring charges get classified correctly without manual input after the first few months.

Hubdoc receipt scanning (included free)
Expense claims with approval workflow
Project and category expense allocation
Bank feed auto-categorization rules
Mileage tracking (via integrations)

Wave

Wave tracks expenses through bank feed imports and manual entry, with receipt scanning available on the Pro plan ($16/month) or as a separate add-on ($8/month). The mobile app captures receipt photos and attaches them to transactions. Expenses get categorized by type, and the dashboard shows spending by category.

Wave has no expense approval workflow, no project-level expense allocation, and no auto-categorization rules for recurring charges. Each transaction needs manual categorization, which adds up for freelancers with 50-100+ monthly transactions.

Receipt scanning via mobile app
Expense categorization by type
Bank feed transaction imports
Receipt scanning paid on Starter plan
No approval workflow for team expenses
No auto-categorization rules

Skip the comparison?

Invoicing that connects to the work before it.

Proposals, contracts, project boards, time tracking, and a branded client portal. All connected to invoicing for $19/month.

No credit card required

4.6/5 Rating

4.4/5 Rating

4.6/5 Rating

4.7/5 Rating

Xero vs Wave pricing breakdown

Xero costs $25-90/month depending on invoice limits and feature access. Wave starts free and costs $16/month for the Pro plan. But both require additional tools for the workflow around invoicing.

Xero Pricing (2026)

Early: $25/month. 20 invoices and 5 bills per month, bank reconciliation, Hubdoc receipt capture. No multi-currency, no Projects add-on.
Growing: $55/month. Unlimited invoices, bills, and bulk reconciliation. Still no multi-currency.
Established: $90/month. Multi-currency, Projects add-on for time-and-cost tracking, expense claims, and analytics.
Projects add-on: $7/month plus $5/user on lower tiers. Tracks time and costs against project budgets but has no task boards.

Wave Pricing (2026)

Starter (Free): Unlimited invoicing, expense tracking, bank connections, financial reports. No recurring invoices, no auto bank imports.
Pro: $16/month. Recurring invoices, auto bank imports, receipt scanning, late payment reminders, Wave branding removed.
Payroll: $40/month base plus $6/employee. US and Canada only.
Receipt scanning: $8/month (included free on Pro).

The real cost: what freelancers actually pay

Neither Xero nor Wave covers proposals, project management, time tracking, or client portals. Freelancers end up adding tools for each gap:

Project management: Asana or Trello ($10-25/month)
Time tracking: Toggl or Harvest ($10-12/month per user)
Proposals and contracts: PandaDoc or Bonsai ($19-35/month)
Client communication: Slack or email (free-$12.50/month)

A Xero Growing plan ($55/month) with three supplementary tools totals $94-127/month. A Wave Pro plan ($16/month) with the same tools totals $55-88/month. All-in-one platforms like Plutio cover invoicing, projects, time tracking, proposals, and client portals starting at $19/month.

The verdict: Wave costs less upfront. Xero provides deeper accounting. Both require $40-75/month in additional tools to cover the full freelancer workflow.

Which tool fits your business type?

Xero and Wave both cover accounting and invoicing, but the right fit depends on how complex the books need to be, how many currencies clients pay in, and whether an accountant needs direct access.

Solo freelancers with simple books

Wave's free plan handles invoicing and expense tracking without any monthly cost. For freelancers who invoice 5-10 clients per month, track expenses by category, and hand a profit-and-loss report to their tax preparer once a year, Wave covers enough. Xero's Early plan ($25/month) limits invoicing to 20/month and adds bank reconciliation and reporting features that most solo freelancers don't need yet.

Freelancers working with an accountant

Xero includes a direct accountant login with full chart-of-accounts access. The accountant gets a direct login, sees the full chart of accounts, and can reconcile, advise, and file from inside Xero. Wave allows accountant logins but lacks the reconciliation rules and financial reports that accountants rely on. If your accountant specifically asks for Xero, switching to Wave creates more manual work for both of you.

International freelancers with multi-currency clients

Xero handles multi-currency invoicing on the Established plan ($90/month) with automatic exchange rate updates. Wave doesn't support multi-currency invoicing at all, so freelancers who invoice in EUR, GBP, and USD from the same account need Xero or a different tool entirely.

Small agencies with 2-5 team members

Xero supports multi-user access with configurable permissions on all plans. The Projects add-on ($7/month plus $5/user) tracks time and costs per project, which gives small teams basic per-project cost tracking. Wave has limited user roles and no project cost tracking, so agencies outgrow Wave's feature set before they outgrow Xero's.

Freelancers who need more than accounting

Xero and Wave both handle the financial side of running a business. Neither covers the client-facing side: proposals, contracts, project management, time tracking, or client portals. Freelancers who want invoicing connected to the work that generates those invoices should look at all-in-one platforms like Plutio that cover the full workflow.

What both tools are missing

Xero and Wave both cover accounting and invoicing, but once the books are reconciled and the invoice is sent, freelancers open 3-4 other apps to handle the actual client work.

Proposals and contracts

Neither Xero nor Wave has a proposal builder, e-signature support, or contract management. Freelancers scope projects in Google Docs, send proposals through PandaDoc or Bonsai, and then manually re-enter the agreed pricing when creating an invoice. There is no connection between what the client approved and what gets billed. Platforms like Plutio auto-create projects from signed proposals with the pricing already attached.

Project management

Xero's Projects add-on tracks time and costs against a budget, but there are no task boards, no Kanban views, no Gantt charts, and no subtasks. Wave has no project features at all. Freelancers manage deliverables in Asana, Trello, or Notion, and none of those tools connect back to the accounting data in Xero or Wave.

Time tracking tied to invoicing

Xero's Projects add-on includes basic time tracking, but only on the Established plan ($90/month) or as a paid add-on. Wave has no time tracking whatsoever. In both cases, most freelancers use Toggl, Harvest, or Clockify for time logging and then manually copy hours into invoices. Plutio time tracking feeds hours directly into invoice line items.

Client portals

Neither Xero nor Wave offers a client-facing portal. Clients receive invoices by email, and every project update, file share, and approval happens through email chains or separate tools. There is no branded workspace where clients log in to see progress, download deliverables, or pay invoices.

White-labeling and custom branding

Xero allows custom invoice templates with your logo. Wave lets Pro users remove Wave branding from invoices. Neither offers a white-labeled client portal, custom domain, or branded login experience. Freelancers who want clients to see their brand instead of a third-party tool name need a separate solution.

What freelancers do when neither tool is enough

Two paths: stack separate tools on top of Xero or Wave, or move to one platform that covers the full workflow.

The typical workaround stack

Xero or Wave for invoicing and accounting ($0-90/month)
Asana or Trello for project management ($0-25/month)
Toggl or Harvest for time tracking ($10-12/month per user)
PandaDoc or Bonsai for proposals and contracts ($19-35/month)
Google Drive or Dropbox for file sharing ($0-15/month)

Total: $29-177/month with 4-5 separate logins and no data flowing between them.

The hidden cost: time spent on handoffs

Moving data between disconnected tools takes 10-15 minutes per client per week. With 8 active clients, that's 80-120 minutes every week spent copying time entries into invoices, updating project status in one tool and then messaging the client in another, and attaching files that are stored in a separate app. Over a year, that's 65-100 hours spent on manual handoffs between tools.

The one-platform alternative

All-in-one platforms replace the multi-tool stack with one connected workspace. The trade-off: learning a new interface and migrating existing data. For most freelancers, this takes a focused weekend.

What one platform looks like in practice

If you are curious: Plutio is one platform that covers the complete workflow. A proposal goes out, the client signs and pays the deposit, the project auto-creates from a template with tasks and deadlines, time tracked against those tasks feeds into invoices, and the client checks progress and pays from a branded portal at your domain. The comparison table below shows exactly where Plutio fills the gaps, and where Xero and Wave still handle accounting better. The comparison table below shows how the features stack up across all three platforms.

Final verdict: Xero vs Wave

Both cover invoicing and bookkeeping. The differences come down to accounting depth, pricing, and how much complexity your business actually needs.

Xero fits if:

Your accountant needs direct access to reconciled books and financial reports
You invoice internationally and need multi-currency support
You want bank reconciliation rules that auto-categorize recurring transactions
You have 2-5 team members who need access with different permission levels

But know that: Xero starts at $25/month for basic invoicing and climbs to $90/month for multi-currency and Projects. None of those plans include proposals, contracts, project boards, or a client portal, so the real cost is Xero plus 3-4 additional subscriptions.

Wave fits if:

You want free invoicing and bookkeeping with no monthly commitment
You invoice domestic clients in one currency only
Your accounting needs are straightforward: income, expenses, and a profit-and-loss report
You're starting out and want to minimize software costs

But know that: Wave's free plan has no auto bank imports, no recurring invoices, and no live customer support. Moving to Pro ($16/month) fills some gaps, but Wave still has no project management, no time tracking, and no multi-currency. Growing businesses typically outgrow Wave and migrate to Xero or a different platform within 1-2 years.

Consider switching to one platform if:

You currently use 3-4 tools to handle proposals, projects, invoicing, and client communication
You copy time entries from one app into invoices in another
Clients ask for project updates and you send manual email replies instead of sharing a portal
You want a branded experience where clients see your domain, not a third-party tool
You need proposals that convert directly into projects and invoices

But know that: Switching means learning a new interface and migrating data. For most freelancers, the migration takes a focused weekend.

The bottom line: Xero gives accountants the books they need with multi-currency and bank reconciliation. Wave gives freelancers free invoicing and basic bookkeeping. Both cover the accounting side well but stop there, with no proposals, projects, time tracking, or client portals. If your workflow already spans multiple tools, the comparison table below shows how all-in-one platforms like Plutio stack up against both.

Research & Sources

This comparison is based on direct hands-on testing, official documentation review, and analysis of user feedback across major review platforms. All data was verified in March 2026.

Research methodology

Pricing was verified from official pricing pages. Feature capabilities were confirmed through documentation and trial accounts. User feedback was analyzed from G2 and Capterra reviews, focusing on patterns in 1-3 star reviews to identify recurring complaints.

Platform ratings (March 2026)

Xero: 4.3/5 on G2 (600+ reviews), praised for accounting depth and accountant access, criticized for pricing tiers and limited project management
Wave: 4.4/5 on G2 (400+ reviews), praised for free invoicing and ease of use, criticized for limited support and missing features
Plutio: 4.6/5 on G2 (200+ reviews), praised for all-in-one coverage and white-labeling

Common user complaints (from 1-3 star reviews)

Xero users frequently mention: price increases without feature additions, Early plan invoice limits frustrating growing businesses, Xero Projects being too basic for real task management, and multi-currency requiring the most expensive plan.

Wave users frequently mention: accounts being disabled without warning, customer support being slow or unavailable on free plans, limited integrations compared to competitors, and no multi-currency support.

Pricing sources (verified March 2026)

Feature verification

If you find any inaccuracies or outdated information, please let us know so we can investigate and update.

Xero vs Wave vs Plutio: full feature comparison

See how all three tools compare on invoicing, accounting, project management, time tracking, and client portals

PRICING Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Starting price	$19/month (Core plan)	$15/month (Early plan, limited to 20 invoices and 5 bills per month)	Free Starter plan available. Pro plan $19/month ($190/year)
Free plan	No free plan (14-day trial available)	No free plan (free first month on any plan)	Free Starter plan with unlimited invoices, estimates, bills, and bookkeeping
Trial period	14-day free trial	30-day free trial available	Free Starter plan available (no trial needed)
PROJECT MANAGEMENT Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Manage projects and tasks	Fully flexible project and task setup you can shape to your workflow	Xero Projects add-on for time and cost tracking (Established plan only, $78/month)	No project management features
Project roles and permissions	Control exactly who can view or edit each part of a project	Account-level roles only (Adviser, Standard, Invoice Only)	No project management features
Multiple task boards	Unlimited boards to run parallel workflows in the same project	No task boards	No task boards
Embeddable project boards	Live project boards embedded into client portals or websites	No project boards	No project boards
Sharable project boards	Read-only public links for sharing progress without risk	No project boards	No project boards
Project stages and milestones	Define custom project lifecycles for different types of work	No project stages or milestones	No project management features
Connected proposals, contracts, and invoices	Everything related stays connected to the project automatically	Projects link to invoices and expenses (no proposals or contracts)	Invoicing only (no proposals or contracts)
Custom project data fields	Track, sort, filter, and report on custom project data	No custom project fields	No project management features
Kanban boards	Drag-and-drop tasks across customizable columns	No kanban boards	No kanban boards
Table view	Bulk-edit tasks like a spreadsheet	Transaction list view only	No task or project views
List view	Clean task lists with clear hierarchy	Transaction and project list views	No task or project views
Calendar view	See tasks and deadlines on a calendar	No calendar view	No calendar view
Gantt view	Plan work visually with task order and dependencies	No Gantt view	No Gantt view
Subtasks	Break work down into multiple nested levels	Tasks within Xero Projects (no nested subtasks)	No task management
Email to task	Turn emails into tasks without manual copying	No email-to-task feature	No task management
Task comments	Keep discussions tied directly to each task	No task comment system	No task management
Task attachments	Store files directly on the task they belong to	File attachments on transactions and projects	No task management
Task priorities	Define priority levels that fit your workflow	No task priorities	No task management
Task labels & color coding	Use unlimited labels to visually organize tasks	No task labels or color coding	No task management
Multiple task assignees	Assign tasks to one or multiple teammates	Assign tasks to team members in Xero Projects (Established plan only)	No task management
Task templates	Reuse task-level structures across projects	No task templates	No task management
Task permissions	Control access at the individual task level	No task-level permissions	No task management
Task dependencies	Prevent work from starting out of order	No task dependencies	No task management
Recurring tasks	Automate repeating work with flexible schedules	Recurring transactions only (not tasks)	No task management
Custom task data fields	Add task-level fields for tracking custom details	No custom task fields	No task management
TIME TRACKING Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Time tracking system	Easily track time using timers or manual entries	Time tracking in Xero Projects (Established plan only, $78/month)	No time tracking feature
Task-level tracking	Log time directly against tasks and subtasks	Track time per task in Xero Projects (Established plan only)	No time tracking feature
Project-level tracking	See time spent per project and per client	Track time and costs per project in Xero Projects (Established plan only)	No time tracking feature
Billable time tracking	Clearly separate billable and non-billable time	Billable and non-billable hours in Xero Projects (Established plan only)	No time tracking feature
Billable time invoicing	Turn tracked time into invoices without extra steps	Invoice billable time from Xero Projects (Established plan only)	No time tracking feature
Timesheet reports	View detailed time reports by task, project, or client	Time reports in Xero Projects (Established plan only)	No time tracking feature
Team timesheets	See how each team member tracks their time	Team time tracking in Xero Projects (Established plan only)	No time tracking feature
PROPOSALS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Create and send proposals	Create proposals clients can review, approve, and sign in one flow	Quotes only (not full proposals)	No proposal features
Drag-and-drop proposal builder	Create custom, branded proposals without layout limits or code	No visual proposal builder	No proposal builder
Reusable proposal templates	Reuse proven proposal layouts across clients	Quote templates available	No proposal templates
Real-time proposal analytics	See exactly when proposals are opened and reviewed	No proposal view tracking	No proposal analytics
Live messenger on proposals	Answer questions directly while clients review proposals	No in-proposal messaging	No proposal features
Proposal flow automation	Move from proposal to contract, invoice, or booking automatically	Quote to invoice conversion	No proposal features
Convert proposal to invoice	Create invoices directly from approved proposals	Convert quotes to invoices	No proposal features
Packages and add-ons	Offer upsells and add-ons directly inside proposals	No packages or add-ons in quotes	No proposal packages
Interactive pricing tables	Let clients choose options before approving	Static pricing only	No pricing tables
Dynamic data and variables	Auto-fill proposal content with client and project data	Basic placeholders on quotes	No dynamic variables
Expiration dates	Automatically expire proposals after a set date	Manual expiry dates on quotes	No proposal features
PDF Export	Download as branded PDFs	PDF export for invoices, quotes, and reports	PDF export for invoices and receipts
Reusable content blocks	Create reusable proposal sections you can reuse on demand	No reusable content blocks	No reusable content blocks
Legally binding e-signatures	Collect secure electronic signatures on proposals	No e-signatures	No e-signatures
Custom proposal data fields	Create custom proposal data you can sort, filter, and report on	No custom quote fields	No proposal features
CONTRACTS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Create and sign contracts	Create, send, and sign contracts in one continuous flow	No contract features	No contract features
Drag-and-drop contract builder	Create fully custom contracts with flexible layouts, no code or formatting limits	No contract builder	No contract builder
Legally binding e-signatures	Collect secure signatures with audit trails and signer verification	No e-signatures on contracts	No e-signatures
Multi-signature / signees	Collect signatures from multiple people on the same contract	No multi-signature support	No multi-signature support
Reusable contract templates	Reuse contract structures to create new agreements faster	No contract templates	No contract templates
Auto-reminders automation	Automatically follow up until contracts are signed	Automated invoice payment reminders	Automated late payment reminders on invoices (Pro plan only)
Dynamic data/variables	Auto-fill contract content with client and project data	No contract variables	No dynamic variables
Contract automation triggers	Trigger automated workflows the moment a contract is signed	No contract automation	No contract automation
View notifications	See when contracts are opened and reviewed	Invoice and quote view notifications only	Email notifications when invoices are viewed
PDF download with signature certificate	Download signed contracts with official proof of signature	No contract signatures	No contract signatures
Custom signer data fields	Collect structured signer information during signing	No signer fields	No signer fields
Custom contract data fields	Create custom contract data you can sort, filter, and report on	No contract features	No contract features
INVOICES & PAYMENTS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Create invoices and get paid	Send invoices and collect payments in one connected flow	Full invoicing with online payments (credit card, direct debit via GoCardless, PayPal via Stripe)	Unlimited invoicing with online payments (credit card 2.9% + $0.60, ACH 1%)
Fully branded invoices	Match invoices to your brand with custom logos, colors, and layout	Customizable invoice branding with logo, colors, and layout	Basic logo and color branding on Pro plan only
Drag and drop invoice builder	Create custom invoice layouts visually without formatting limits	Template-based editor only	No drag-and-drop invoice builder (template-based only)
Customizable line items	Edit pricing, quantities, descriptions, and structure freely	Fully customizable line items with products and services catalog	Customizable line items with product and service catalog
Item or invoice discounts	Apply discounts at the item or full invoice level	Discounts supported on invoices	Discounts supported on invoices
Customizable taxes	Create tax rules that match your location and use case	Automated sales tax calculation with custom rates	Custom tax rates and sales tax support
ACH payments	Accept bank transfers for lower-fee payments	ACH and direct debit payments via GoCardless integration	ACH bank payments (1% per transaction, $1 minimum)
Stripe integration	Accept credit and debit cards instantly	Stripe payment processing integration	No Stripe integration (Wave Payments built-in processing only)
Square integration	Collect in-person payments when needed	No Square integration	No Square integration
PayPal integration	Let clients pay using PayPal	PayPal payments on invoices via Stripe	No PayPal integration (Wave Payments built-in processing only)
Flexible partial payments	Collect deposits and split payments across milestones	Partial payments supported	Partial payments supported on invoices
Payment plans	Break invoices into scheduled installments	Recurring invoices only (no structured installment plans)	No structured payment plans
Automated recurring invoices	Automatically send invoices on a recurring schedule	Automated recurring invoices with flexible schedules	Recurring invoices available on Pro plan only
Subscription management	Manage ongoing client subscriptions and billing	Recurring invoices only (no subscription portal)	No subscription management
Automated payment reminders	Follow up automatically until invoices are paid	Automated late payment reminders	Automated late payment reminders (Pro plan only)
Reusable invoice templates	Reuse invoice layouts without rebuilding each time	Reusable invoice templates available	Basic invoice templates (limited customization)
Multiple currency support	Bill clients globally in their local currency	Multi-currency on Growing plan and above ($42+/month)	No multi-currency support (single currency per business)
Invoice automation triggers	Trigger automated workflows when invoices are sent or paid	Recurring transaction automation and invoice reminders only	No invoice automation triggers
View notifications	See when invoices are opened and paid	Email notifications when invoices are viewed and paid	Email notifications when invoices are viewed and paid
Built-in expense tracking	Track project-related costs alongside invoices	Expense claims on Established plan only ($78/month). Receipt capture via Hubdoc on all plans	Full expense tracking with bank connections and auto-categorization (Pro plan)
Invoice deposits	Collect upfront payments before work starts	Deposit invoicing supported via partial payments	Deposit requests via partial payments
Auto-invoice billable time	Turn tracked time into invoices automatically	Invoice billable time from Xero Projects (Established plan only)	No time tracking or billable time invoicing
Custom invoice data fields	Create custom invoice data you can sort, filter, and report on	No custom invoice fields	No custom invoice fields
INBOX Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Centralized unified inbox	Manage email, chat, and messages from one shared inbox	No unified inbox	No unified inbox
Full email integration	Connect and manage all your email accounts in one place	No email integration (notifications only)	No email integration
Embeddable live chat	Add real-time chat to your website and client portals	No live chat	No live chat
Instant direct messages	Message teammates privately without leaving your workspace	No direct messaging	No direct messaging
Contextual project conversations	Keep conversations tied directly to the project they belong to	No project messaging	No project conversations
Team channels	Create shared spaces for team-wide discussions	No team channels	No team channels
Customized channels	Organize channels by team, topic, or workflow	No channels	No channels
@mentions	Notify teammates instantly inside conversations	No @mentions	No @mentions
Message read receipts	See when messages are read	No read receipts	No read receipts
File sharing in chat	Share files directly inside conversations	No chat feature	No chat feature
Shared email inbox	Collaborate on incoming emails as a team	No shared inbox	No shared inbox
Inbox mobile app	Access and respond to messages on mobile	No inbox feature	No inbox feature
Email reply to inbox	Reply from your email client and keep conversations synced	No inbox feature	No inbox feature
FILES Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Store and manage files	Keep all client and project files in one organized place	File attachments on transactions (no centralized file manager)	Receipt and document uploads only (no centralized file manager)
Advanced folder organization	Organize files by project, client, or structure you choose	No folder organization	No folder organization
Folder permissions	Control who can view or edit folders	No folder permissions	No folder permissions
People folders	Group files by person when needed	No people folders	No people folders
Project folders	Keep files scoped to each project	Files organized within project transactions	No project folders
In-app previews	Preview files instantly without downloading	Basic file previews for receipts and documents	Basic receipt image previews
Custom file data fields	Capture file metadata you can sort and filter	No custom file fields	No custom file fields
Built-in documents	Create and edit documents directly inside Plutio	No built-in document editor	No built-in document editor
Comments on files and docs	Leave comments directly on files and documents	Notes on transactions (no file comments)	No file comments
Bulk file actions	Move, tag, or manage many files at once	No bulk file actions	No bulk file actions
Files search & filter	Find files quickly using search and filters	Basic search across transactions	Basic transaction search
External cloud sync	Sync files with Google Drive or Dropbox	Hubdoc integration for receipt and document capture on all plans	No external cloud sync
Secure sharing controls	Restrict access with permissions or passwords	Account-level role-based access	Role-based access for accountants and admins (Pro plan)
File sharing links	Share files externally with controlled access	No shareable file links	No shareable file links
SCHEDULING Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Schedule meetings	Let clients book meetings directly without back-and-forth emails	No scheduling features	No scheduling features
Branded booking page	Build a fully branded, customizable booking system using a drag-and-drop editor	No booking pages	No booking pages
Advanced availability management	Define flexible availability rules applied automatically to bookings	No availability management	No availability management
Automatic buffer times	Add buffer time automatically between meetings	No buffer times	No buffer times
Multiple meeting types	Create unlimited booking types with different rules and setups	No meeting types	No meeting types
Calendar sync (Google/Outlook)	Two-way calendar sync that stays up to date automatically	No calendar sync for scheduling	No calendar sync
Customizable booking confirmations	Fully customizable confirmation pages with no layout or branding limits	No booking confirmations	No booking confirmations
Redirect after booking	Send bookers anywhere after scheduling, not just a fixed thank-you page	No booking system	No booking system
Booking automation triggers	Trigger automated workflows the moment a meeting is booked	No booking automation	No booking automation
Smart meeting reminders	Send automatic reminders without manual follow-ups	No meeting reminders	No meeting reminders
Automatic timezone detection	Handle timezones automatically without manual adjustments	Account timezone setting only	Account timezone setting only
Paid appointments (Stripe/PayPal)	Collect payments during booking without extra steps	No paid appointments	No paid appointments
Custom booking forms	Build booking forms with full control over questions and layout	No booking forms	No booking forms
Minimum notice / daily booking limits	Set booking limits to control lead time and daily volume	No booking limits	No booking limits
Rescheduling and cancellation controls	Define flexible rules for rescheduling and cancellations	No scheduling controls	No scheduling controls
AUTOMATION Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Automated workflows builder	Build advanced workflows visually without code or rigid templates	No workflow builder	No workflow builder
Trigger-based workflows	Start workflows from real events across projects, clients, and payments	Bank rules and transaction matching triggers only	No trigger-based workflows
Schedule-based workflows	Run workflows on schedules you control, not fixed intervals	Recurring invoices and bills only	Recurring invoices only (Pro plan)
Multi-step workflows	Chain multiple actions into one continuous automation	No multi-step automation	No multi-step automation
True/False branching	Create conditional paths instead of one-size-fits-all flows	No conditional logic	No conditional logic
Delay-based actions	Add precise timing between steps, down to minutes or days	Payment reminder delays only	Payment reminder delays (Pro plan only)
Create & update records	Create, update, or move records automatically across the system	Auto-create recurring invoices and transactions	No record automation
Move & duplicate records	Reorganize work automatically without manual cleanup	Duplicate invoices and transactions manually	No record automation
Delete & archive records	Automatically archive or remove records based on rules	Manual deletion and voiding only	No record automation
API calls (webhooks)	Trigger or receive real-time events from external systems	Full REST API and webhooks via Xero Developer Platform	GraphQL and REST API available (Pro plan required for OAuth access)
Send emails	Send automated emails tied to real workflow events	Automated invoice and reminder emails	Automated invoice and payment reminder emails (Pro plan)
Post comments	Add notes or comments automatically where work happens	No automated comments	No automated comments
Complete automation logs	See exactly what ran, when, and why	Audit trail tracks all user actions and changes (History & Notes)	Basic activity history
Auto-fill data/variables	Pass data between steps dynamically without manual mapping	Basic invoice placeholders	No auto-fill variables
Cross-entity connections	Run workflows that span projects, tasks, proposals, invoices, and more	Invoices link to projects and contacts (limited cross-entity scope)	Customers link to invoices and transactions
FORMS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Create branded forms	Build fully branded forms that match your workflow and client experience	No form builder	No form builder
Drag-and-drop form builder	Design forms visually with full layout control, no code required	No form builder	No form builder
Reusable form templates	Reuse form structures without rebuilding from scratch	No form feature	No form feature
Custom form data fields	Collect structured data you can sort, filter, and report on	No form feature	No form feature
Smart conditional logic	Show or hide fields based on responses, not static forms	No form feature	No form feature
Instant email notifications	Get notified immediately when forms are submitted	Invoice and payment notifications only	Invoice and payment notifications only
Form automation triggers	Trigger automated workflows when a form is submitted	No form feature	No form feature
Embed forms	Embed forms anywhere without layout restrictions	No form feature	No form feature
Advanced field preferences	Control required, hidden, and default field behavior	No form feature	No form feature
Comprehensive field types	Collect text, files, dates, selections, and more	No form feature	No form feature
Form signature field	Collect legally binding signatures directly inside forms	No form feature	No form feature
File upload fields	Accept file uploads as part of form submissions	Receipt capture via Hubdoc (not form-based)	Receipt capture via mobile app (not form-based)
Redirect after submission	Send submitters to a custom next step, not a fixed thank-you page	No form feature	No form feature
CRM Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Manage clients and leads	Manage contacts and companies in one connected system	Basic contact management for customers and suppliers (no pipeline or lead tracking)	Basic customer management (no pipeline or lead tracking)
Full company management	Track organizations, not just individual contacts	Contact records for individuals and companies (basic info only)	Customer records for individuals and businesses (basic info only)
Custom contact data fields	Collect and manage structured contact data you define	No custom contact fields	No custom customer fields
Complete activity timeline	See every interaction with a client in one place	Full transaction history per contact	Full transaction history per customer
Contacts labeling and grouping	Organize contacts flexibly without rigid pipelines	Contact groups for batch invoicing and reporting (no tags or segmentation)	No contact labeling or grouping
WIKI Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Comprehensive knowledge base	Create an internal wiki for processes, docs, and guides	No knowledge base	No knowledge base
Beautiful rich text pages	Write structured, formatted content without complexity	No rich text pages	No rich text pages
Unlimited nested pages	Build deep knowledge hierarchies without limits	No nested pages	No nested pages
Granular page permissions	Control exactly who can view or edit each page	No wiki feature	No wiki feature
DASHBOARDS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Custom dashboards and pages	Build dashboards around what matters to you, not fixed metrics	Financial dashboard only (not customizable)	Financial dashboard only (not customizable)
Drag-and-drop dashboard builder	Design dashboards visually with full layout control	No custom dashboard builder	No custom dashboard builder
Charts widget	Visualize data with customizable charts	Financial charts (cash flow, income and expenses, aged receivables)	Basic financial charts (income and expenses)
Metrics widget	Track key numbers without manual reporting	Key financial metrics displayed on dashboard	Key financial metrics displayed on dashboard
Goals widget	Monitor progress toward defined goals	No goals widget	No goals widget
Notes widget	Add contextual notes directly to dashboards	No notes widget	No notes widget
Calendar widget	View upcoming events alongside work and metrics	No calendar widget	No calendar widget
Financial widgets	Track revenue and expenses in the same view	Comprehensive financial widgets (P&L, balance sheet, cash flow, aged receivables, aged payables)	Basic financial overview (income, expenses, invoices, bills)
BRANDING Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
White-label and branding	Run the entire platform under your brand	Branding on invoices only (cannot remove Xero branding)	Branding on invoices only (Pro plan)
Custom interface theme	Apply your brand colors across the system	No interface customization	No interface customization
Stylesheet customization	Fine-tune styling beyond basic theming	No CSS customization	No CSS customization
Custom login/signup pages	Use branded authentication pages instead of generic screens	No custom login pages	No custom login pages
Email branding	Send all system emails with your branding	Logo on invoice emails (limited customization)	Logo on invoice emails (Pro plan only)
Custom brand fonts	Use your own fonts throughout the platform	No custom fonts	No custom fonts
Custom brand logos	Replace all platform logos with your own	Logo upload on invoices and sales forms	Logo upload on invoices (Pro plan only)
Custom domain name	Run everything on your own domain	No custom domain	No custom domain
Custom email SMTP	Send emails from your own email infrastructure	No custom SMTP	No custom SMTP
Full workspace embedding	Embed Plutio directly into your website or product	No workspace embedding	No workspace embedding
CUSTOMIZATION Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Flexible workspace setup	Shape the platform to match how your business works	Fixed accounting workspace	Fixed accounting workspace
Main menu editor	Add, remove, or reorder navigation items freely	No menu customization	No menu customization
User-based menus	Show different navigation for different roles	Menu varies by user role (not customizable)	Fixed menus for all users
Custom user roles	Create role types beyond preset permissions	Fixed roles (Adviser, Standard, Invoice Only, Read Only)	4 fixed roles (Admin, Editor, Viewer, Payroll Manager) on Pro plan only
Advanced user permissions	Control access at a granular level	Role-based permissions (fixed roles, not customizable)	Role-based access on Pro plan (Admin, Editor, Viewer)
SSO / OAuth	Support enterprise-grade single sign-on	No SSO for end users (OAuth 2.0 for API only)	No SSO support
INTEGRATIONS Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Connect with other tools	Integrate with external systems without lock-in	1,000+ integrations in the Xero App Store	Limited integrations (Zapier, Make.com, and API access on Pro plan)
Zapier integration	Connect to thousands of apps without custom code	Zapier integration supported	Zapier integration supported
Make.com integration	Build advanced automation scenarios visually	Make.com integration available	Make.com integration supported
Pabbly Connect	Connect services without usage-based limits	Possible via API	Possible via API
Full REST API access	Build custom integrations with full system access	Full REST API via Xero Developer Platform	GraphQL and REST API available (Pro plan required for OAuth access)
Incoming & outgoing webhooks	Send and receive real-time events	Webhooks supported via developer platform (contacts and invoices)	Limited webhook support via API (Pro plan required)
PLATFORM Collapse	Plutio 198/199	Xero 34/199	Wave 19/199
Mobile apps	Access your business from native mobile apps	iOS and Android apps with invoicing, bank reconciliation, and expense claims	iOS and Android apps with invoicing, receipt scanning, and payment tracking
iOS app	Full-featured iPhone app	Full iOS app available	Full iOS app available
Android app	Full-featured Android app	Full Android app available	Full Android app available
Mac desktop app	Native macOS app for desktop workflows	No Mac desktop app (web-based only)	No Mac desktop app (web-based only)
Windows desktop app	Native Windows app for desktop workflows	No Windows desktop app (web-based only)	No Windows desktop app (web-based only)

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Xero vs Wave FAQ

Is Xero or Wave better for freelancers?

Wave fits freelancers who need free invoicing and basic bookkeeping. Xero fits freelancers who work with an accountant and need bank reconciliation, multi-currency, or detailed financial reporting. Neither handles proposals, project management, or time tracking, so both require additional tools for the full workflow.

Is Wave really free in 2026?

Wave's Starter plan is free for invoicing, expense tracking, bank connections, and financial reports. The Pro plan costs $16/month and adds recurring invoices, auto bank imports, receipt scanning, and removes Wave branding. Payroll is an additional $40/month plus $6 per employee. Payment processing fees apply on all plans (2.9% + $0.60 per credit card transaction).

Does Xero have project management?

Xero has a Projects add-on that tracks time and costs against project budgets. Projects comes with the Established plan ($90/month) or available as an add-on ($7/month plus $5/user) on lower plans. Xero Projects has no task boards, no Kanban views, no Gantt charts, and no subtasks. Platforms like Plutio include full project management with board views, timelines, and task dependencies.

Can I invoice in multiple currencies with Wave?

Wave does not support multi-currency invoicing. All invoices use the single base currency set during account setup. Freelancers who invoice international clients in EUR, GBP, and USD from the same account need Xero (Established plan at $90/month) or an alternative that includes multi-currency.

How much does Xero cost compared to Wave?

Xero's Early plan costs $25/month (20 invoices per month), Growing costs $55/month (unlimited invoices), and Established costs $90/month (multi-currency and Projects). Wave's Starter plan is free and Pro costs $16/month. Xero costs more but provides deeper accounting, bank reconciliation rules, and multi-currency support.

Does Wave have bank reconciliation like Xero?

Wave connects bank accounts and imports transactions, but has no reconciliation rules or auto-categorization for recurring charges. Xero auto-imports bank feeds and applies reconciliation rules that learn from previous categorizations. For freelancers with 50-100+ monthly transactions, Xero's reconciliation rules reduce manual categorization by hours each month.

Can I track time in Xero or Wave?

Xero's Projects add-on includes basic time tracking against project budgets (available on the Established plan or as a paid add-on). Wave has no time tracking at all. Neither tool connects tracked time to invoice line items automatically. For time-to-invoice workflows, Plutio time tracking feeds hours directly into invoices.

Which has better customer support, Xero or Wave?

Xero includes email and chat support on all plans, plus a help center and community forum. Wave's free plan only gets chatbot support and a knowledge base. Live support is reserved for paid Wave plans and payroll customers. Multiple Wave reviews mention accounts being disabled without warning and slow response times for resolution.

Can I migrate from Wave to Xero or vice versa?

Migrating between Wave and Xero requires exporting data as CSV files and importing into the new platform. Client contacts, invoice history, and expense categories all need manual setup in the new tool. Most freelancers complete the migration in a day or two, but complex books with hundreds of transactions take longer.

What if neither Xero nor Wave fits my workflow?

Both Xero and Wave focus on accounting and invoicing without covering proposals, project management, time tracking, or client portals. All-in-one platforms combine invoicing with project management, proposals, and client portals in one workspace. Plutio is one example, starting at $19/month with the full workflow connected from proposal to payment.

Does Xero or Wave offer payroll?

Both offer payroll as paid add-ons. Xero includes built-in payroll in AU, NZ, and UK, and partners with Gusto for US payroll. Wave Payroll costs $40/month plus $6/employee and covers US and Canada, with full-service tax filing in 14 US states. Xero payroll covers more countries but varies by region.

Do Xero and Wave have client portals?

Neither Xero nor Wave offers a client-facing portal. Clients receive invoices by email and have no login for checking project progress, downloading files, or communicating. Platforms like Plutio include branded client portals where clients see projects, invoices, files, and messages at your custom domain.

Tired of copying hours into invoices manually?

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