Wave
Free financial software for your small business
Wave launched on May 1, 2014 with 95 votes, #182 of 1,247 launches that month and more than 50% of that year's launches. The site was still online in September 2026, 12 years on.
What it does
Create beautiful invoices, accept online payments, and make accounting easy—all in one place—with Wave’s suite of money management tools.
The single source of truth for your business finances. Wave keeps your accounting, invoicing, payments, and more in one unified system. Gain financial clarity and stay tax-ready year-round. The single source of truth for your business finances. Wave keeps your accounting, invoicing, payments, and more in one unified system. Gain financial clarity and stay tax-ready year-round. Make bookkeeping and tax time easy with solutions that are affordable, small biz friendly, and—dare we say—fun to use. Wave Pro customer received a complimentary annual subscription for their honest feedback. “Wave is rock solid. So for the peace of mind alone, totally worth it .” “Wave is rock solid. So for the peace…from waveapps.com
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RayApr 2026 · rayfinance.app · ▲298I've been using this daily for 4 months and figured others might find it useful. This is my first open source project so would love any feedback. Ray connects to your bank via Plaid, stores everything in an encrypted local SQLite database, and lets you ask questions about your finances in natural language. No cloud, no account, your data is stored on your machine. Before anything reaches the LLM, all PII is stripped — your name, companies, transaction details are redacted and replaced with tokens, then rehydrated locally in the response. The AI never sees who you are.
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