Wave

Wave is the go-to choice for bootstrapped indie hackers who need completely free accounting, invoicing, and bookkeeping. The Starter Plan is truly free forever with no time limits, credit card requirements, or feature restrictions. You can create unlimited invoices, track expenses, and generate financial reports at zero cost. Optional paid add-ons include payment processing (2.9% + $0.60) and payroll, but core accounting is always free.\n\nFor solo founders managing their own books, Wave eliminates a major cost barrier. The free tier covers invoicing to clients, recurring invoices for subscription billing, and basic expense tracking. However, Wave is primarily an accounting tool, not a dedicated subscription platform, so it works best for service businesses or as a complement to Stripe/Lemon Squeezy rather than a standalone billing solution.