Bank imports, free. CSV export, free. Forever. Plus an AI financial coach, GST/HST tracking, and the “Pay Yourself” number no bookkeeping app has ever shown you.
$24/month CAD. Includes bank imports. Always.
WHAT HAPPENED
“Wave was great until it wasn't. The moment I needed actual help, I was stuck talking to a bot for three days.”
— Reddit r/smallbusiness
“Wave removed transaction-level CSV export from free accounts without disclosure. This breaks a core bookkeeping workflow.”
— Software review
“When Wave was acquired by H&R Block, users lost scanned receipts accumulated over several years.”
— Trustpilot
Wave's Trustpilot rating: 1.2 out of 5 stars
From 180+ reviews since the paywall change
THE VRITTI DIFFERENCE
Everything Wave offered, plus what every Canadian freelancer actually needs.
Big 5 Canadian banks + 12,000 more via Plaid. Included. Always.
Ask anything about your numbers and get a real answer from your data.
Live estimate of what you owe CRA — federal, provincial, CPP, HST.
Rolling 12-month tracker. Alerts at $25K, $28K, and $30K.
Cash - taxes - upcoming bills = safe to withdraw. On your dashboard.
Dedicated importer reads Wave's export format. 2-minute migration.
No client caps. No feature paywalls. No surprise price increases.
0-100 financial wellness score with personalized coaching insights.
Your data is your data. Export anytime, no paywall, ever.
SIDE BY SIDE
| Feature | VRITTI | Wave | FreshBooks |
|---|---|---|---|
| Bank imports | Included. Always. | Paywalled ($16/mo) | Included |
| AI financial coach | Yes — asks your data | No | No |
| GST/HST threshold alert | Auto-monitors $30K | No | No |
| Tax set-aside calculator | Live on dashboard | No | No |
| "Pay Yourself" number | Cash - tax - bills | No | No |
| Financial health score | 0-100 with coaching | No | No |
| Receipt scanning (AI) | Yes | Basic | Yes |
| CSV import/export | Always free | Paywalled | Included |
| Client cap | Unlimited | Unlimited | 5 on Lite |
| Flat pricing | $24/mo CAD | $16/mo for Pro | $23-70/mo |
| Phone support | In-app chat | None (bot only) | Phone (paid) |
| Shopify reconciliation | Built-in | No | Via A2X ($40+) |
Bank imports will never be paywalled.
CSV export will always be free.
Your data will always be exportable.
$24/month. No surprise price increases.
If you don't love it, cancel anytime. No penalty.
Yes. VRITTI has a built-in Wave CSV importer that auto-maps your categories, descriptions, and amounts. Export from Wave, import into VRITTI — takes about 2 minutes.
Bank imports are included in every VRITTI plan. Always. We will never move this behind a paywall. That's a guarantee, not marketing.
Yes. VRITTI was built Canada-first. It knows your provincial tax rates, tracks your GST/HST threshold, calculates CPP contributions, and speaks in CAD. No American defaults.
VRITTI breaks down your Shopify and Etsy payouts into individual sales, fees, refunds, and taxes. No more reconciliation headaches. No more paying A2X $40/month on top of your bookkeeping.
Bank connections use Plaid — the same provider trusted by thousands of financial apps. VRITTI has read-only access. We never see your bank login credentials, and all data is encrypted at rest.
Import your Wave data in 2 minutes. Bank imports included from day one.
No credit card required. 14-day free trial. Cancel anytime.