Wave
Accounting software with a free core. Payments and payroll are paid add-ons.
Use Wave as the ledger for a very small business, then draft the owner note from an export. Confirm which parts are free in your country on Wave's site.
Freemium. Wave's accounting software is free. Payments, payroll, and some extras are paid. Availability differs by country. See Wave's pricing page.
Vendor: Wave Financial. Pricing tier checked 2026-10-16.
Specifications that use Wave
Finance and admin · moderate
Write the week note on cash
The cash position is a feeling until someone pastes the balances into a sentence. A short note states the balances you pasted and does not forecast beyond them.
Gemini · Grok Bot · Claude
Finance and admin · easy
Note a Wave payment against the job
Payments in the bank are not written back to the job, so the job still looks unpaid. A note says which job the payment belongs to, using the reference you can see.
ChatGPT · Grok Bot · Claude