Patriot Payroll vs Wave
A head-to-head comparison to help you pick the right tool
Last updated: April 30, 2026
Patriot Payroll
Patriot Payroll is one of the most affordable full-service payroll solutions for small businesses. It offers basic payroll and full-service payroll tiers, with the full-service option handling all federal, state, and local tax filings. Patriot is popular with very small businesses and solo operators who want simple, reliable payroll without complex features.
Wave
Wave is a free accounting and invoicing platform designed for small businesses, freelancers, and solopreneurs. It offers genuinely free accounting, invoicing, and receipt scanning with no subscription fee. Wave makes money through payment processing and payroll add-ons. It is one of the best free accounting tools available for very small businesses with simple needs.
Pros
- ✓One of the most affordable payroll solutions available
- ✓Simple and easy to use with minimal learning curve
- ✓US-based customer support available by phone
- ✓Free trial available before committing
Cons
- ✗Limited features compared to full HR platforms
- ✗No mobile app for running payroll
- ✗Benefits administration not included
- ✗Less suitable for businesses with complex payroll needs
Pros
- ✓Genuinely free accounting and invoicing — no subscription required
- ✓Clean and easy to use interface
- ✓Good enough for most very small businesses and freelancers
- ✓Receipt scanning and bank connections included free
Cons
- ✗Limited features compared to paid alternatives
- ✗Customer support is minimal on the free plan
- ✗Not suitable for growing businesses with complex needs
- ✗Payroll and payment processing add-ons can add up in cost
Patriot Payroll vs Wave: Side by Side
| Factor | Patriot Payroll | Wave |
|---|---|---|
| User Rating | N/A | N/A |
| Category | Payroll Software | Accounting Software |
| Pricing Model | Paid | Freemium |
| Starting Price | $17/mo + $4/person | Free |
| Best For | Very small businesses and solo operators wanting the most affordable payroll solution | Solopreneurs and very small businesses wanting free accounting and invoicing software |
| Our Pick | — | — |
Patriot Payroll Features
- ✓Payroll processing
- ✓tax filing options
- ✓direct deposit
- ✓employee self-service portal
- ✓time and attendance add-on
- ✓HR software add-on
- ✓contractor payments
Wave Features
- ✓Free accounting
- ✓invoicing
- ✓receipt scanning
- ✓bank connections
- ✓financial reporting
- ✓payments processing
- ✓payroll add-on
- ✓mobile app
Pricing Comparison
Our Take
Choose Patriot Payroll if very small businesses and solo operators wanting the most affordable payroll solution. Choose Wave if solopreneurs and very small businesses wanting free accounting and invoicing software.
Best For
Very small businesses and solo operators wanting the most affordable payroll solution
Best For
Solopreneurs and very small businesses wanting free accounting and invoicing software
Also Consider
If neither Patriot Payroll nor Wave is the right fit, Multiplier is worth evaluating.
Multiplier
Startups and SMBs hiring internationally on a budget
From $40/contractor/mo
Frequently Asked Questions
What is the difference between Patriot Payroll and Wave?
Patriot Payroll is best for very small businesses and solo operators wanting the most affordable payroll solution. Wave is best for solopreneurs and very small businesses wanting free accounting and invoicing software.
Which is better, Patriot Payroll or Wave?
Choose Patriot Payroll if very small businesses and solo operators wanting the most affordable payroll solution. Choose Wave if solopreneurs and very small businesses wanting free accounting and invoicing software.
How much does Patriot Payroll cost?
Patriot Payroll starts at $17/mo + $4/person. Pricing model: Paid.
How much does Wave cost?
Wave starts at Free. Pricing model: Freemium.
Who should use Patriot Payroll?
Very small businesses and solo operators wanting the most affordable payroll solution
Who should use Wave?
Solopreneurs and very small businesses wanting free accounting and invoicing software