Wave Accounting

Wave Accounting

Wave Financial
3.3 out of 5 stars
Netto Wave Accounting

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Netto:

About

Netto is cloud bookkeeping software for freelancers and sole traders (eenmanszaak) in the Netherlands, in English and Dutch. It creates quotes and invoices, tracks work hours, sends payment reminders, and matches read-only bank transactions to invoices and receipts. Users add receipts by photo, email, or WhatsApp; Netto extracts amounts, categories, and VAT details for review. It prepares quarterly Dutch VAT returns, including EU-client transactions, and estimates income tax and qualifying work hours. Features include expense tracking, payment links, client records, and accountant access. Users can ask about their books in Netto or connect through ChatGPT, Claude, and other MCP-compatible apps to review figures and prepare drafts. Users approve actions before they are carried out. The service runs in a web browser on desktop and mobile; dedicated iPhone and Android apps are listed as coming soon.
Wave Accounting:

About

Powerful, free accounting software. Wave’s easy-to-use accounting software can connect your bank accounts, sync your expenses, balance your books, and get you ready for tax time. Start taking control of your finances today. We designed Wave for small business owners. No jargon, just easy software that makes sense. After creating your account, everything's set up so you can get started right away. Access it anywhere, any time. Your data is always available, and it’s backed up for extra peace of mind. Connect your bank accounts in seconds. The transactions will appear in your bookkeeping automatically, and you can say goodbye to manual receipt entry. Have an eye on the big picture so you can make better business decisions. Our robust reports are easy to use and show month-to-month or year-to-year comparisons so you can easily identify cash flow trends. When everything is neatly where it belongs, tax time is simple.
Netto:

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported
Wave Accounting:

Platforms Supported

Windows Not Supported
Mac Not Supported
Linux Not Supported
Cloud Supported
On-Premises Not Supported
iPhone Not Supported
iPad Not Supported
Android Not Supported
Chromebook Not Supported
Netto:

Audience

Freelancers and sole traders (zzp’ers) in the Netherlands
Wave Accounting:

Audience

Small business owners, entrepreneurs, and freelancers that need a powerful but free or low-cost accounting system
Netto:

Support

Phone Support Not Supported
24/7 Live Support Not Supported
Online Supported
Wave Accounting:

Support

Phone Support Supported
24/7 Live Support Not Supported
Online Supported
Netto:

API

Offers API Supported
Wave Accounting:

API

Offers API Supported
Netto:

Screenshots and Videos

No images available
Wave Accounting:

Screenshots and Videos

Netto:

Pricing

€14.95/month
A Free plan is available, and the paid-feature trial lasts 30 days with no payment card required. Starter is €14.95/month or €149.50/year; Pro is €29.95/month or €299.50/year. Prices exclude 21% VAT. Monthly plans can be canceled any month. Each plan's regular price is locked for two years after joining.
Free Version Supported
Free Trial Supported
Wave Accounting:

Pricing

$35 per month
Free Plan, Pay-per-use Plan, and Monthly plan all offered.
Free Version Supported
Free Trial Not Supported
Netto:

Reviews/Ratings

Overall 0.0 / 5
ease 0.0 / 5
features 0.0 / 5
design 0.0 / 5
support 0.0 / 5

This software hasn't been reviewed yet. Be the first to provide a review:

Review this Software
Wave Accounting:

Reviews/Ratings

Overall 3.3 / 5
ease 3.7 / 5
features 3.7 / 5
design 4.1 / 5
support 3.1 / 5
Wave Accounting:

Pros & Cons from Real Users

Pros

  • Ease, look, my older business accounts are still free, even though my newest one I have to pay for, imports from bank back to 365 days! I honestly can't say anything else good about Wave.
  • It is free easy to use. It takes a lot to set it up but the invoicing and ease of payment for clients is great.
  • This is probably the best self-employed, low budget accounting solution available on the market because you can't beat the price (FREE).
  • We could manage the accounting for our small business until we couldn't. The software worked until it didn't.
  • What I love about Wave is that the accounting and reports, sending invoices, receipt scanning and email support all included for FREE. You cant beat that!

Cons

  • Disconnects from bank too often, updates crash account, and recently last update messed up all my accounts so badly that I am now forced to look for a different company bcuz Wave blames it on my bank and won't assist me. Customer Service is horrible and all of it is online, chat which makes it virtually impossible to get anything done - why can't a company get access to my computer to assist, or just have free phone technical support? With this last update, they added Tags and Perks. All my bank accounts disconnected in all three of my business accounts (not my credit card accounts thought). When I reconnected, one: none of my bank accounts are showing the last 3-4 digits so I have no idea which ones to connect now to which business w/out much, much effort, two: when I did import the bank accounts Wave is now combining all transactions between both bank accounts and not in the correct one, and not showing the correct balance in all of them, three: I deleted the bank accounts and reconnected over and over and over and over again, different ways without success to the point I decided to delete the incorrect transactions in the different accounts, only now, when I deleted those transactions, then deleted the bank account to reconnect in hopes with would work, now ALL these deleted transactions won't even transport now - EVEN THOUGH Wave is still showing the correct balances! Fourth: Now with a company bank connection, Wave is asking for a Company ID number - what the heck is this, where can I find it, and if you don't have a Company ID number Wave does not allow the connection!
  • This year this software has disappointed me it has lost bank connections and then tripled the transactions I am not happy and am looking for something that works better. The financial statements are not very professional looking. It does not always remember the proper place to put things and so you really have to be careful reviewing process has to be intense. I am not sure that I will continue to use it after the mess this year still working on fixing the messes. If you have more than one person as admin it screws it up so bad.
  • The reports are not nuanced. You won't get a P&L detail or a P&L by month across multiple months...the rules are not very dynamic.
  • Zero respect for the criticality of a businesses accounting systems and data
  • Well if you have to pick something to dislike about a FREE software I guess I'd have to say I dislike that Wave seemed so new and they are constantly updating and I'm always losing where things are kept. I have a terrible memory!
Netto:

Training

Documentation Supported
Webinars Not Supported
Live Online Not Supported
In Person Not Supported
Wave Accounting:

Training

Documentation Supported
Webinars Supported
Live Online Supported
In Person Supported
Netto:

Company Information

Netto
Founded: 2026
Netherlands
netto.so
Wave Accounting:

Company Information

Wave Financial
Founded: 2009
Canada
www.waveapps.com/accounting
Netto:

Alternatives

No Alternatives
Wave Accounting:

Alternatives

Xero

Xero

4.4 out of 5 stars
Wave Accounting:
FreshBooks

FreshBooks

4.8 out of 5 stars
Wave Accounting:
QuickBooks Online

QuickBooks Online

Intuit
4.4 out of 5 stars
Wave Accounting:
Sage Intacct

Sage Intacct

4.3 out of 5 stars
Netto:
Wave Accounting:
AccountEdge

AccountEdge

Priority Software US
Netto:

Categories

Accounting Supported
Bookkeeping Supported
Wave Accounting:

Categories

Wave Accounting:

Accounting Features

Accounts Payable Supported
Accounts Receivable Supported
Bank Reconciliation Supported
Billing & Invoicing Supported
Cash Management Supported
CPA Firms Supported
Cryptocurrency Support Not Supported
Expense Tracking Supported
Fixed Asset Management Supported
Fund Accounting Supported
General Ledger Supported
Government Supported
Multi-Currency Supported
Nonprofits Supported
Payroll Management Supported
Project Accounting Supported
Purchase Orders Supported
Tax Management Supported

Bookkeeping Features

Accounts Payable Supported
Accounts Receivable Supported
Bank Reconciliation Supported
Billing & Invoicing Supported
Cash Management Not Supported
Collections Not Supported
Expense Tracking Supported
Fixed Asset Management Not Supported
General Ledger Supported
Payroll Supported
Revenue Recognition Not Supported
Spend Management Not Supported
Tax Management Not Supported

Accounts Receivable Features

ACH Payment Processing Not Supported
Billing & Invoicing Supported
Check Processing Not Supported
Collections Management Not Supported
Online Payment Processing Not Supported
Overpayment Processing Not Supported
Partial Payments Not Supported
Receivables Ledger Not Supported
Recurring Billing Not Supported

Billing and Invoicing Features

Billing Portal Supported
Contact Database Supported
Contingency Billing Not Supported
Customer Portal Not Supported
Customizable Invoices Supported
Dunning Management Not Supported
Hourly Billing Not Supported
Invoice History Supported
Mobile Payments Not Supported
Multi-Currency Supported
Online Invoicing Supported
Online Payments Supported
Payment Processing Not Supported
Project Billing Supported
Recurring/Subscription Billing Not Supported
Service Ticket Billing Not Supported
Tax Calculator Not Supported

Real Estate Accounting Features

Accounts Payable Supported
Accounts Receivable Supported
Bank Reconciliation Supported
Commission Management Not Supported
Contract Management Not Supported
General Ledger Supported
Mobile Access Supported
Payroll Supported
Property Development Management Not Supported
Reporting / Analytics Supported
Work Order Management Not Supported
Netto:

Integrations

ADP Celergo Not Supported
APIANT Not Supported
Boss Insights Not Supported
ChatGPT Supported
CleanSlate Not Supported
Cognito Forms Not Supported
Datameer Not Supported
FirstOfficer Not Supported
Fulcrum Not Supported
Google Drive Not Supported
Kizen Not Supported
Local Line Not Supported
MinuteDock Not Supported
Model Context Protocol (MCP) Supported
Peaka Not Supported
Railz Not Supported
The Keeper's Ledger Not Supported
Vessel Not Supported
Zapier Not Supported
noCRM.io Not Supported
Wave Accounting:

Integrations

ADP Celergo Supported
APIANT Supported
Boss Insights Supported
ChatGPT Not Supported
CleanSlate Supported
Cognito Forms Supported
Datameer Supported
FirstOfficer Supported
Fulcrum Supported
Google Drive Supported
Kizen Supported
Local Line Supported
MinuteDock Supported
Model Context Protocol (MCP) Not Supported
Peaka Supported
Railz Supported
The Keeper's Ledger Supported
Vessel Supported
Zapier Supported
noCRM.io Supported
Netto:
Claim Netto and update features and information
Claim Netto and update features and information
Wave Accounting:
Claim Wave Accounting and update features and information
Claim Wave Accounting and update features and information