Cosmobill vs.
Wave

A straight, feature-by-feature look at how the two compare - pricing, invoicing, payments, and everything in between. Every Cosmobill claim here is enforced in the product; every Wave data point is sourced from waveapps.com's own pricing/feature pages.

Start invoicing free See all Cosmobill features

Free plan

Cosmobill Comet

5 invoices/mo, unlimited saved clients, estimates/time/expenses/attachments/multi-business all included - free forever

Free plan

Wave Starter

Unlimited invoices and clients, full double-entry bookkeeping - but single-user only, no branding removal, no attachments, no time tracking

Wave's free plan is unlimited on invoice volume where Cosmobill's caps at 5/mo - but Wave locks you to a single user and Wave's own branding until you pay $19/mo for Pro. See the full table below for everything else.

Pricing & limits

Feature	Cosmobill	Wave
Free plan Wave calls its free tier "Starter" - it never expires and needs no card to use.
Invoices per month on free plan Wave's Starter plan has no invoice-count cap. Cosmobill's free Comet plan caps invoices at 5/mo but has no other usage ceiling anywhere else in the product.	5	Unlimited
Saved clients on free plan	Unlimited	Unlimited
Cheapest paid plan	$5/mo (Planet)	$19/mo (Pro), or $190/yr (~$15.83/mo)
Credit card required to start	–	–

Invoicing core

Feature	Cosmobill	Wave
Shareable invoice link (client portal)
Customer self-fills their own billing details On Wave, the seller enters the client's info themselves when creating them as a customer. Cosmobill's customer opens the invoice link and fills in their own name/address/tax ID - you never mistype an EIN.		–
Live full-size invoice preview while editing
Itemized line items (qty × rate)
Estimates / quotes	Free, all plans	Free, all plans (unlimited)
Convert estimate to invoice in one click
Recurring / repeating invoices Wave includes recurring billing on its free Starter plan; Cosmobill reserves it for its top Galaxy tier.	Galaxy ($10/mo)	Free, all plans
Custom invoice branding / colors Wave's free Starter plan uses a fixed look and shows Wave's own branding - custom colors and removing Wave's branding both require Pro. Cosmobill unlocks custom branding at its cheaper $5/mo Planet tier.	Planet ($5/mo)+	Pro ($19/mo)

Getting paid

Feature	Cosmobill	Wave
PayPal payments Wave's payment processing is Wave Payments only - it doesn't offer PayPal as a checkout option on an invoice. Cosmobill accepts PayPal on every plan including free.		–
Card payments Wave's own card processing is available on Starter at no monthly fee, but every transaction carries a 2.9%+$0.60 fee (3.4%+$0.60 Amex) - Pro discounts this to 2.9%/3.4%+$0 for your first 10 transactions/month, then it reverts to the standard rate. Cosmobill's free Comet tier is PayPal/card only at checkout - card processing beyond PayPal needs Planet.	Planet ($5/mo)+	Free, all plans (2.9% + $0.60/txn; 3.4% + $0.60 Amex)
Bank transfer (ACH) Cosmobill's bank transfer is a manual self-report the buyer and seller confirm between themselves, at no processing fee. Wave's ACH is an automated in-app charge, but takes a 1% cut (minimum $1) of every transfer.	yes (manual, self-report)	Free, all plans (1%/txn, $1 minimum)
Deposits / partial payments	Free, all plans	Free, all plans
Multi-currency per invoice	Free, all plans	Free, all plans
Automatic overdue-payment reminders Wave gates automated late-payment reminders to Pro; Cosmobill unlocks this at its cheaper $5/mo Planet tier.	Planet ($5/mo)+	Pro ($19/mo)
Early-payment discounts Wave has no scheduled "pay within N days for X% off" incentive the way Cosmobill does.	Free, all plans	–
Transaction fee Cosmobill/Wave takes on top of processing	0% (only PayPal's own fee applies)	0% beyond its own listed processing rates (2.9%+$0.60 card, 1% ACH)

Time, expenses & files

Feature	Cosmobill	Wave
Time tracking (log or start/stop timer) Wave has no built-in time-tracking feature to bill hours on an invoice - Cosmobill includes this on every plan.	Free, all plans	–
Expense tracking, optionally billable to an invoice	Free, all plans	Free, all plans
Receipt scanning / digital capture Wave's mobile app can scan and digitize receipts, with Pro removing the volume limit Starter imposes. Cosmobill has no receipt-scanning feature.	–	Free plan: limited · Pro: unlimited
File attachments on an invoice Wave doesn't support attaching a separate file (contract, spec sheet) to an invoice - Cosmobill does, on every plan.	Free, all plans	–
Invoice discussions / comment thread Wave's client-facing invoice view shows payment status but has no back-and-forth comment thread the way Cosmobill's discussion feature does.	Free, all plans	–

Reporting & organization

Feature	Cosmobill	Wave
Dashboard revenue chart (this month vs. last)	Free, all plans	Free, all plans
Business-health / income-vs-expense reports Wave bundles genuine double-entry accounting - balance sheet, P&L, and more - into its free Starter plan, well beyond what Cosmobill's lighter dashboard reports do.	Free, all plans	Free, all plans (full double-entry bookkeeping reports)
CSV export Wave includes a full data export (accounting, receipts) on its free Starter plan; Cosmobill reserves CSV export for Planet+.	Planet ($5/mo)+	Free, all plans
Automated bank import (auto-import transactions via Plaid) Wave's free Starter plan has no automated bank-transaction import - that's a Pro-only feature via Plaid. Cosmobill has no bank-sync feature on any plan.	–	Pro ($19/mo)

Team, branding & businesses

Feature	Cosmobill	Wave
Team members Wave's free Starter plan is single-user only - any collaborator requires upgrading to Pro, which then allows unlimited users with admin/editor/viewer roles. Cosmobill bundles 5 seats into a flat $10/mo Galaxy tier with no per-plan user-count jump from 1.	Up to 5 (Galaxy, $10/mo)	1 (Starter) · Unlimited with roles (Pro, $19/mo)
Read-only ("Viewer") role at no extra cost Wave's viewer role only exists once you're on Pro; Cosmobill's read-only role is bundled with Galaxy's team seats at no separate charge.		no - requires Pro ($19/mo)
Multiple business identities under one login Wave allows up to 15 business profiles per account at no extra cost - more generous in raw count than Cosmobill, though each Wave business profile is managed and billed independently for its own Pro upgrade if needed. Cosmobill's multiple businesses share one account and one plan's entitlements.	Free, all plans, shared entitlements	Up to 15 business profiles, free
Custom logo upload Wave gates custom invoice branding, including logo display customization, to Pro; Cosmobill unlocks this at its cheaper $5/mo Planet tier.	Planet ($5/mo)+	Pro ($19/mo)
Custom brand color / appearance	Planet ($5/mo)+	Pro ($19/mo)
Remove the provider's own branding from invoices Both gate branding removal behind a paid tier - Cosmobill's is included at its top $10/mo plan; Wave's is available at its single $19/mo Pro plan, nearly double Cosmobill's price for the equivalent.	Galaxy ($10/mo)	Pro ($19/mo)

A note on this comparison

Wave details above come from waveapps.com's public pricing page and support articles as of when this page was written - pricing pages change, so if something here looks off, treat waveapps.com as the source of truth for their current plans. Wave is a genuinely deep product with real strengths Cosmobill doesn't try to match - full double-entry bookkeeping (balance sheet, P&L), receipt scanning, and up to 15 free business profiles per account among them. Where Cosmobill differs is in what's un-gated on its free plan: PayPal checkout, time tracking, file attachments, and invoice discussions are all baseline on every Cosmobill plan, none of which Wave offers even on Pro. Wave's free Starter plan is also single-user - any second person on the account, even in a read-only role, requires its $19/mo Pro plan, nearly double what Cosmobill charges for its top team-enabled tier. Every Cosmobill row marked available on a plan is a feature that actually ships in the product today, not a roadmap item.

Cosmobill vs.Wave