Wave alternative
SettleDue is for trades, notaries, freelancers, and contractors who track time, send invoices, and need payment reminders on Solo. Wave Starter is $0 with bookkeeping. SettleDue Solo is $12/month billed annually with timesheets and reminders included.
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| SettleDue | Wave | |
|---|---|---|
| Starting price | Solo $12/month (billed $120/year) | $0 Starter |
| Invoices and estimates | Unlimited on every plan | Unlimited on Starter |
| Timesheets | Included on Solo | Not listed on Wave pricing |
| Payment reminders | Solo: due date, then +7, then +14 | Automated late reminders on Pro |
| Paid plan | Pro $24/month (billed $240/year) | Pro $19 USD/month or $190/year |
| Online payments | Pro: Stripe card and ACH, client portal | Optional add-on. Card and bank payment on invoices |
| Card fees | Pro uses Stripe. Fees are set by Stripe | Starter 2.9% + $0.60. Pro 2.9% + $0 for the first 10 per month, then + $0.60 |
| Bank payment fees | Pro uses Stripe ACH. Fees are set by Stripe | About 1% (minimum $1) |
| Recurring invoices | Included on Pro | Recurring billing on Pro |
| Trial | 14 days, no credit card | Starter is $0. No separate trial required |
Prices as of September 2026. Plans and prices can change. Check Wave pricing and SettleDue pricing for current rates.
Why switch
SettleDue Solo includes payment reminders on the due date, then 7 days later, then 14 days later. Wave puts automated late reminders on Pro at $19 USD per month or $190 per year.
Solo includes timesheets, expenses, and PDF email. Track hours by client and turn them into invoices without a separate time tool.
Pro adds Stripe card and ACH, recurring invoices, a client portal, and custom branding. Wave Starter is still $0 if you mainly want free invoices and bookkeeping in one place.
SettleDue has been around since 2011 and works for freelancers, contractors, trades professionals, notaries, and tree service companies. If you just need to generate an invoice, you can do that in under a minute.
Also see how SettleDue compares to QuickBooks and Joist.
Visit the SettleDue homepage for full feature details and pricing.
FAQ
Wave Starter is $0 with unlimited invoices and bookkeeping. SettleDue Solo is $12 per month billed annually with timesheets and payment reminders included. Choose SettleDue if you bill time and need reminders without waiting for Wave Pro.
SettleDue includes automatic reminders on Solo. SettleDue emails the client on the due date, then 7 days later, then 14 days later if a balance remains. Wave lists automated late payment reminders on Pro.
Wave Starter is $0. Wave Pro is $19 USD per month or $190 per year. SettleDue Solo is $12 per month billed as $120 per year. SettleDue Pro is $24 per month billed as $240 per year. Every SettleDue plan includes unlimited invoices, estimates, and clients, plus a 14-day trial with no credit card.
Yes, on Pro. Connect Stripe, and clients can pay by card or ACH. SettleDue does not publish a processor fee percentage on this page. Stripe sets those fees. Wave lists card fees as 2.9% + $0.60 on Starter, and 2.9% + $0 for the first 10 card payments per month on Pro, then + $0.60. Wave bank payments are about 1% with a $1 minimum.
Try SettleDue free for 14 days. No credit card, no commitment.
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