MiniCFO.io vs Wave

Try MiniCFO.io

Wave is a well-known accounting and invoicing tool with a free Starter plan. Here's what it does well, what it costs, and where MiniCFO.io fits for a mobile service business.

What Wave does well

A free Starter plan with unlimited estimates, invoices, bills, and bookkeeping records.
Online payments on invoices, with per-transaction fees listed on Wave's pricing page.
On Pro: automatic bank transaction import through Plaid, auto-merge and categorize, and unlimited receipt capture.
A dashboard and key reports, like profit and loss.
Done-for-you help: Wave Advisors bookkeepers if you'd rather hand off the books.

If you send a lot of invoices or want a free plan, Wave covers things MiniCFO.io doesn't.

Wave pricing

On Wave's pricing page, Starter is $0, and Pro is $19/month billed monthly or $190/year billed annually (USD). Wave was also showing an introductory discount on Pro for the first 3 months. Wave Advisors bookkeeping starts at $149/month. Prices as of Oct 27, 2026 on their site; check their site for current pricing.

Source: https://www.waveapps.com/pricing

Where MiniCFO.io fits

MiniCFO.io isn't an invoicing or full accounting tool. It's built for mobile service businesses that want quick answers about their own money.

AI answers on your own numbers. Ask the AI chat, or the Live CFO by voice (included in your plan), things like "What did I spend on supplies last month?"
A 6-month cash flow projection so slow months don't surprise you, plus a weekly summary.
No bank login needed. Log income and expenses from your phone, or scan a receipt and check what the AI pulled out.
A tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice).
Built for mobile service trades like lawn care, detailing, cleaning, and pool service, with quick-add templates for repeat jobs and a mileage log.
Works side by side with QuickBooks by file: import a QuickBooks P&L Detail report and export a Journal Entry CSV. It's file import and export, not a live connection.

Side by side

Feature	Wave	MiniCFO.io
Price	Starter $0; Pro $19/month or $190/year (as of Oct 27, 2026 on Wave's site)	$10 for the first month, then $35/month, no contracts.
Bank connection	Pro imports bank transactions automatically through Plaid	No bank login needed: log from your phone or scan receipts
Invoices and payments	Yes, on Starter and Pro	Not offered
Receipts	Unlimited receipt capture on Pro	Receipt scanning: the AI pulls out the merchant and amount for you to check and log
Reports and looking ahead	Dashboard and key reports like profit and loss	6-month cash flow projection and a weekly summary
Help with the books	Wave Advisors bookkeeping from $149/month	Export a CSV or a QuickBooks Journal Entry CSV for your bookkeeper
Taxes	See their site	Tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice). No tax filing.

Wave details come from Wave's pricing page as of Oct 27, 2026. Plans, fees, and offers change, so check their site. MiniCFO.io's tax and mileage figures are estimates, not tax advice.

Which one should you pick?

Pick Wave if you send invoices, want a free plan, or want bank transactions brought in automatically. Pick MiniCFO.io if you mostly want plain-English answers on your own numbers, a tax set-aside estimate, a mileage log, and a 6-month look ahead, without connecting a bank.

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

Wave is a trademark of its owner. Product names are trademarks of their respective owners. MiniCFO.io is not affiliated with or endorsed by any company named on this page.

What is MiniCFO.io?

MiniCFO.io is a simple AI financial assistant for busy mobile service businesses. You keep track of money from your phone, see roughly what to set aside for taxes, and ask questions about your own numbers in plain English. Stop guessing. Start knowing.

Log income and expenses from your phone in a few taps
Receipt scanning
Mileage log for business trips
Tax set-aside estimate with a quarterly due-date card and Mark as Paid (an estimate, not tax advice)
6-month cash flow projection
Plain-English AI chat and Live CFO voice on your own numbers
Works side by side with QuickBooks through file import and export, plus CSV export
Mobile-friendly: add it to your home screen from the browser, no app store needed

Try MiniCFO.io for $10 for the first month, then $35/month, no contracts.

FAQ

Is MiniCFO.io free like Wave Starter?

No. MiniCFO.io is $10 for the first month, then $35/month, no contracts.

Does MiniCFO.io connect to my bank?

No. No bank login needed. You log income and expenses from your phone, or scan a receipt and check what the AI pulled out before you log it.

Can I export my data for my bookkeeper or tax pro?

Yes. You can export your transactions to CSV, or export a Journal Entry CSV for QuickBooks. Mileage trips aren't part of the CSV export; they stay in the mileage log.