Personal Capital vs Wave
A detailed comparison of Personal Capital and Wave in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Personal Capital
Wealth management and financial planning
Personal Capital is a financial and accounting service that provides wealth management and financial planning. Founded in 2009 and headquartered in San Carlos, California, Personal Capital offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Net worth tracker, Investment analysis, Retirement planner, Fee analyzer. Personal Capital 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 | Personal Capital | Wave |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2009 | 2010 |
| Headquarters | San Carlos, California | Toronto, Canada |
| Net worth tracker | ||
| Investment analysis | ||
| Retirement planner | ||
| Fee analyzer | ||
| Cash flow | ||
| Budgeting | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Payroll | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Personal Capital Pricing
Wave Pricing
Frequently Asked Questions
Is Personal Capital or Wave better in 2026?
Both Personal Capital and Wave are excellent finance services. Personal Capital offers Net worth tracker and Investment analysis, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Personal Capital cost compared to Wave?
Personal Capital starts at $Free/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Personal Capital and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Personal Capital 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 Personal Capital, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.