Statement 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.
Early-bird $9.99/month or $89/year CAD. Statement imports included. 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 reviews collapsed after the paywall change.
Read the deeper analysis: Best Wave Accounting Alternative for Canadian Freelancers (2026)
THE VRITTI DIFFERENCE
Everything Wave offered, plus what every Canadian freelancer actually needs.
PDF bank statements and CSV exports, read in seconds. Plaid connections coming soon.
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. Early warnings at $20K and $27K, registration alert at $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. Reserve the price now — locked in when Pro opens.
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 |
|---|---|---|---|
| Statement imports (CSV/PDF) | 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 | $9.99/mo or $89/yr early-bird | $16/mo for Pro | $23-70/mo |
| Phone support | In-app chat | None (bot only) | Phone (paid) |
| Shopify reconciliation | CSV import today; direct sync planned | No | Via A2X ($40+) |
Statement imports will never be paywalled.
CSV export will always be free.
Your data will always be exportable.
Early-bird $9.99/month — locked in when Pro opens.
No surprise price increases, ever.
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.
Statement imports (CSV or PDF) are included in every VRITTI plan. Always. We will never move this behind a paywall. That's a guarantee, not marketing. Direct bank feeds are planned but not live yet — when they ship, the same rule applies.
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.
Today you import your payout CSVs and VRITTI tracks the revenue by channel. Direct Shopify and Etsy payout sync — separating sales, fees, refunds, and taxes automatically — is planned, not live yet. We tell you which is which.
Today you import your bank activity yourself — upload a PDF bank statement or a CSV export and VRITTI reads every transaction for your review. Direct bank connections (via Plaid, read-only) are coming soon. All data is encrypted at rest.
Import your Wave data in 2 minutes. Statement imports included from day one.
No payment today · We'll email you the moment Pro opens.