Bookkeeping · replacement recipe

Go from Wave to Zoho Books

The job: Small business accounting (Unlimited invoices and estimates, Double-entry bookkeeping records, Profit and loss, balance sheet and cash flow reports). Pick where you are today and where you want to land; the move below follows your pick.

From · what you pay for now
Wave
Wave Pro · $19/mo
Year one+$178modeled
To · your pickBest fit
Zoho Books
Free plan · $0 a month
Change where you land

The money

$19/mo today , then $0/mo

Wave Pro

Year one, net+$178
Pays back in2.6 months

Modeled from public list prices, with your time at $50 an hour. Show the math

Does it do the job? 3 of 3 covered

  • Covered: Unlimited invoices and estimates
  • Covered: Double-entry bookkeeping records
  • Covered: Profit and loss, balance sheet and cash flow reports

The work

Setup
About 1 h
Upkeep
None
Watch out
Check first: You only rely on: Unlimited invoices and estimates, Double-entry bookkeeping records, Profit and loss…

Make the move in four steps

  1. Export from Wave

    Accounting data (transactions, invoices, customers, vendors, bills), receipts, and payroll data including employee information and pay stubs. Format: Accounting: four XLS or CSV files…

    Export steps
  2. Set up Zoho Books

    Businesses under $50K revenue that want receipt scans and reminders free and can import statements instead of bank feeds.

    Details
  3. Switch links and integrations

    Point links, embeds and integrations at Zoho Books, then send a test through every one.

  4. Cancel Wave

    Turn off renewal before your renewal date, once the new setup works. Access runs until: Pro or Receipts: the end of the current subscription period….

    How to cancel Wave
Open Zoho BooksHow to cancel Wave
Modeled, not measured. Savings use public prices and planning assumptions: the bill you stop paying, minus the new tool, your upkeep time and your setup time at $50/hour, over the first 12 months. Paths marked Tested by Stackcut were run end to end by us on our own products. They're our tests, not customer results. Check the must-haves in each recipe before you switch.

The whole recipe: 3 ways out, best first

What you use

  • Unlimited invoices and estimates
  • Double-entry bookkeeping records
  • Profit and loss, balance sheet and cash flow reports

Not covered

  • Bank auto-import and categorization (Pro)
  • Receipt capture (Pro, or add-on)
  • Automatic late-payment reminders (Pro or with online payments)
  • Additional users (Pro)

Check before switching

  • You only rely on: Unlimited invoices and estimates, Double-entry bookkeeping records, Profit and loss, balance sheet and cash flow reports
  • Export your data from Wave before canceling

Agents: get_recipe("replace-wave") on the Stackcut MCP server.

3 ways out, best first

Switch vendorZoho Books (free tier)Saves $178 in year one
$19/mo today → $0/mo · setup 1 h · then $228/yr · payback 2.6 mo
If your use fits the free tier (Free plan for businesses with revenue under $50K a financial year: 1 user + 1 accountant; up to 1,000 invoices and 1,000 expenses a year; bank reconciliation, recurring invoices, customer portal, 50+ reports; 50 receipt scans a month; email support. No bank feeds or add-ons (except scans). Paid plans have a 14-day trial.).
Covers 100% of the core features
Businesses under $50K revenue that want receipt scans and reminders free and can import statements instead of bank feeds.
How we got this
You pay now: Wave Proflat price$19/mo
New cost: Zoho Books (free tier)free plan$0/mo
Difference each month$19 − $0+$19/mo
Over 12 months+$19 × 12+$228
Setup, once1 h × $50/h−$50
Year one+$228 − $50+$178
  • Not counting your time (1 h in year one): saves $228 in year one.

Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team

$19/mo today → $0/mo + 0.5 h upkeep · setup 2 h
Bookkeeping for a solo founder or very small business kept as a plain-text Beancount ledger: the agent imports bank CSV/OFX statements with dedup and categorization, validates the books and answers balance, income-statement and balance-sheet questions, instead of a bookkeeping subscription.
Covers 67% of the core features (not: Unlimited invoices and estimates)
Assumes you already pay for an agent that runs skills (any MCP client (MCP server) or an agent with shell access (ag-rledger); ledger files stay on your machine); that agent's cost isn't counted. Setup (2 h) and upkeep (0.5 h a month) are Stackcut's estimates; not tested by Stackcut.
License: GPL-3.0-only (copyleft)
Install: npx -y @rustledger/mcp-server (MCP); the rledger and ag-rledger CLIs ship in the release archives or via brew install rustledger (README)
How we got this
You pay now: Wave Proflat price$19/mo
New cost: rustledger (Beancount-compatible plain-text accounting; MCP server and agent CLI)runs in the agent you already pay for$0/mo
Your upkeep time0.5 h/mo × $50/h$25/mo
Difference each month$19 − $0 − $25−$6/mo
Over 12 months−$6 × 12−$72
Setup, once2 h × $50/h−$100
Year one−$72 − $100−$172
  • Not counting your time (8 h in year one): saves $228 in year one.

Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team

Open sourceBigcapitalCosts $1,232 more in year one
$19/mo today → $5/mo + 2 h upkeep · setup 4 h
Covers 100% of the core features
Teams comfortable running Docker who want double-entry books with unlimited users at no subscription.
License: open_source
How we got this
You pay now: Wave Proflat price$19/mo
New cost: Bigcapitala small server (modeled)$5/mo
Your upkeep time2 h/mo × $50/h$100/mo
Difference each month$19 − $5 − $100−$86/mo
Over 12 months−$86 × 12−$1,032
Setup, once4 h × $50/h−$200
Year one−$1,032 − $200−$1,232
  • Not counting your time (28 h in year one): saves $168 in year one.

Year one = 12 × (what you pay now − the new cost − upkeep) − setup, with your time at $50/hour. Prices are public list prices; hours are Stackcut’s planning estimates. Price it for your team

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