Wave vs Patriot Payroll

Wave

Wave is a free accounting and invoicing platform designed for small businesses, freelancers, and solopreneurs. It offers genuinely free accounting, invoicing, and receipt scanning with no subscription fee. Wave makes money through payment processing and payroll add-ons. It is one of the best free accounting tools available for very small businesses with simple needs.

Freemium pricing · Get Pricing →

Patriot Payroll

Patriot Payroll is one of the most affordable full-service payroll solutions for small businesses. It offers basic payroll and full-service payroll tiers, with the full-service option handling all federal, state, and local tax filings. Patriot is popular with very small businesses and solo operators who want simple, reliable payroll without complex features.

Paid pricing · Get Pricing →

Pros

• ✓Genuinely free accounting and invoicing — no subscription required
• ✓Clean and easy to use interface
• ✓Good enough for most very small businesses and freelancers
• ✓Receipt scanning and bank connections included free

Cons

• ✗Limited features compared to paid alternatives
• ✗Customer support is minimal on the free plan
• ✗Not suitable for growing businesses with complex needs
• ✗Payroll and payment processing add-ons can add up in cost

Pros

• ✓One of the most affordable payroll solutions available
• ✓Simple and easy to use with minimal learning curve
• ✓US-based customer support available by phone
• ✓Free trial available before committing

Cons

• ✗Limited features compared to full HR platforms
• ✗No mobile app for running payroll
• ✗Benefits administration not included
• ✗Less suitable for businesses with complex payroll needs

Best For

Solopreneurs and very small businesses wanting free accounting and invoicing software

Best For

Very small businesses and solo operators wanting the most affordable payroll solution