TooziA Wave alternative for people who don't want to sit down to do books
The short answer: Wave is solid free accounting software: unlimited invoices and bookkeeping on the Starter plan, with Pro (roughly $19 a month as of 2026) adding automatic bank import and receipt capture. It expects you to sit down at a computer and run it. Toozi expects you to text — income, expenses, invoices, and tax questions go to one number, the bank feed is sorted for Schedule C, estimates arrive before each quarterly deadline, and the federal return is e-filed. If you like double-entry accounting on a laptop and want it free, Wave is hard to beat. If you want books kept from your phone and taxes filed from them, Toozi.
| Toozi | Wave | |
|---|---|---|
| How you use it | Real SMS — text a phone number | Web app on a computer |
| Price | $49/mo flat | Free Starter; Pro roughly $19/mo as of 2026 |
| Bank import sorted for taxes | Included, with transfer matching and learned merchants | Pro plan; you categorize |
| Tax estimates | Running quarterly estimate, texts before deadlines | Reports for your preparer |
| Tax filing | IRS Authorized e-file Provider | Not included |
| Invoicing | Included, with payment links | Included; payment processing fees apply |
| Multiple businesses | Separate books per hustle, one price | Separate business profiles |
Where Toozi wins
- No sitting down. Wave is good software, and most self-employed people still open it twice a year. Toozi works in the thirty seconds between clients.
- Taxes, start to finish. Wave gives you reports to hand someone. Toozi estimates, reminds, prepares, and e-files.
- Less categorizing. Toozi learns each merchant once and asks about the rest grouped by store, in a couple of texts.
Where Wave might fit better (the honest part)
- If you are comfortable with accounting software and want it free, Wave's Starter plan is genuinely free for invoicing and bookkeeping.
- If you need formal double-entry reports, a balance sheet, or an accountant login, Wave is built as accounting software and Toozi is built as a text assistant.
FAQ
Can I import my Wave data into Toozi?
Toozi has one-click QuickBooks import; for Wave, connect your bank for the year to date and text in cash items, or send a CSV export.
Does Toozi have a web dashboard too?
Yes — Tax Hub shows your books, estimates, and return. Texting is just the fastest way to use it.
Which is cheaper?
Wave's free plan. Toozi is $49/mo and includes tax estimates and e-filing, which Wave does not.
Books without the laptop. Try Toozi free for 14 days — text "start" to (844) 482-4881.
Get Started Free →or text START to (844) 482-4881