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Ramp vs Wave
Both sit in accounting & finance. Here is how they differ on the things you can actually check.
On price: Ramp starts $4 a month cheaper than Wave ($15 against $19, 21% less) on its Plus tier. Both figures were read from the vendors' own pricing pages on the dates shown below.
Ramp
ramp.com
Cards, expense management, bill pay and procurement with automated policy enforcement. Free to use; monetised on interchange.
Free planAccounting & Finance
Visit RampWave
waveapps.com
Genuinely free bookkeeping and unlimited invoicing for small businesses, monetised through payments and payroll.
Free planAccounting & Finance
Visit Wave| Ramp | Wave | |
|---|---|---|
| Entry price | $15/mo | $19/mo |
| Entry plan | Plus | Pro |
| Paid annually | — | — |
| Price checked | 21 Sept 2026 | 21 Sept 2026 |
| Pricing model | Free | Free plan |
| Free plan | Yes | Yes |
| Category | Accounting & Finance | Accounting & Finance |
| Around since | 2019 | 2010 |
Every price here was read from the vendor's own pricing page, most recently on 21 Sept 2026. Entry tier only — vendors change pricing without notice.
Ramp vs Wave, answered
- Is Ramp cheaper than Wave?
- Yes. Ramp starts at $15 a month against Wave's $19, 21% less.
- Do Ramp or Wave have a free plan?
- Both do. Ramp and Wave each publish an ongoing free tier rather than a time-limited trial.
- What is the difference between Ramp and Wave?
- Ramp: Cards, expense management, bill pay and procurement with automated policy enforcement. Free to use; monetised on interchange. Wave: Genuinely free bookkeeping and unlimited invoicing for small businesses, monetised through payments and payroll.
