Relay vs Wave
A detailed comparison of Relay and Wave in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Relay
Business banking with collaborative tools and automatic categorization
Relay is a financial and accounting service that provides business banking with collaborative tools and automatic categorization. Founded in 2018 and headquartered in Toronto, Canada, Relay offers 2 pricing plans. It offers a free tier as well as paid plans starting from $30/month. Key features include Business checking, Profit first, Automatic routing, Team access. Relay 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 | Relay | Wave |
|---|---|---|
| Starting Price | Free | Free |
| Plans Available | 2 | 2 |
| Year Founded | 2018 | 2010 |
| Headquarters | Toronto, Canada | Toronto, Canada |
| Business checking | ||
| Profit first | ||
| Automatic routing | ||
| Team access | ||
| Accounting sync | ||
| Free accounting | ||
| Invoicing | ||
| Receipts scanning | ||
| Payments | ||
| Payroll | ||
| Reports |
Pricing Comparison
Compare all available plans and pricing tiers
Relay Pricing
Wave Pricing
Frequently Asked Questions
Is Relay or Wave better in 2026?
Both Relay and Wave are excellent finance services. Relay offers Business checking and Profit first, while Wave features Free accounting and Invoicing. The best choice depends on your specific needs and budget.
How much does Relay cost compared to Wave?
Relay starts at $30/month, while Wave starts at $16/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Relay and Wave subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Relay 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 Relay, Wave, or both — track all your subscriptions in one place with smart alerts and analytics.