Ramp vs Wave
A detailed comparison of Ramp and Wave in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Ramp
Corporate card with automated expense management
Ramp is a financial and accounting service that provides corporate card with automated expense management. Founded in 2019 and headquartered in New York, New York, Ramp offers 3 pricing plans. It offers a free tier as well as paid plans starting from $12/month. Key features include Corporate cards, Expense automation, Bill pay, Accounting integrations. Ramp 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 | Ramp | Wave |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 3 | 2 |
| Year Founded | 2019 | 2010 |
| Headquarters | New York, New York | Toronto, Canada |
| Corporate cards | ||
| Expense automation | ||
| Bill pay | ||
| Accounting integrations | ||
| Price intelligence | ||
| Travel | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Payroll | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Ramp Pricing
Wave Pricing
Frequently Asked Questions
Is Ramp or Wave better in 2026?
Both Ramp and Wave are excellent finance services. Ramp offers Corporate cards and Expense automation, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Ramp cost compared to Wave?
Ramp starts at $12/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Ramp and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Ramp 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 Ramp, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.