Mercury vs Wave
A detailed comparison of Mercury and Wave in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Mercury
Banking for startups with powerful financial tools and integrations
Mercury is a financial and accounting service that provides banking for startups with powerful financial tools and integrations. Founded in 2019 and headquartered in San Francisco, California, Mercury offers 2 pricing plans. It offers a free tier as well as paid plans starting from $35/month. Key features include Startup banking, Treasury, Corporate cards, Accounting sync. Mercury is a popular choice for users looking for quality finance subscriptions.
Wave
Free accounting and invoicing for small businesses
Wave is a financial and accounting service that provides free accounting and invoicing for small businesses. Founded in 2010 and headquartered in Toronto, Canada, Wave offers 2 pricing plans. It offers a free tier as well as paid plans starting from $16/month. Key features include Free accounting, Invoicing, Receipts scanning, Payments. Wave is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Mercury | Wave |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2019 | 2010 |
| Headquarters | San Francisco, California | Toronto, Canada |
| Startup banking | ||
| Treasury | ||
| Corporate cards | ||
| Accounting sync | ||
| API access | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Payroll | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Mercury Pricing
Wave Pricing
Frequently Asked Questions
Is Mercury or Wave better in 2026?
Both Mercury and Wave are excellent finance services. Mercury offers Startup banking and Treasury, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Mercury cost compared to Wave?
Mercury starts at $35/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Mercury and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Mercury and Wave. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Mercury, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.