An honest look at how FileCurrent and Wave compare for a solo freelancer, so you can pick the one that actually fits how you work.
| FileCurrent | Wave | |
|---|---|---|
| Price | $15/month (or $129/year) | Free (processing fees apply) |
| Contracts + e-signature | Built in | No |
| Automated payment reminders | Automated, uncapped | Limited |
| Who holds your money | Clients pay you directly — no transaction fee | Wave processes payments (fees) |
| Free trial | 7-day free trial, no card | Free plan |
Wave is genuinely free for invoicing and accounting, which is hard to beat if budget is the only thing that matters. The accounting features are solid for basic bookkeeping.
Wave makes its money on payment processing fees, it has no contracts or e-signatures, and its automated reminder options are limited. For freelancers who need to send a contract and chase late payers, the free price hides real gaps.
Freelancers who only need free invoicing and basic accounting, and handle contracts and follow-ups some other way.
$15/month or $129/year, never a cut of your payments, and reminders that chase late payers for you. No credit card required.
Competitor pricing and features are as of publication and may change; check each provider for the latest. This comparison reflects FileCurrent's view for a solo-freelancer use case.