Pricing Units, Proprietary Limits & Migration Complexity
The operational fine print U.S. SaaS founders and small business owners check before committing.
| Evaluation Dimension | Open Net Worth | Wave Accounting |
|---|---|---|
| Starting Price & Billing Unit How your monthly bill scales | $0 Open Source (Open Source (AGPL-3.0)) Transaction / Processing Rate | Free / $16/mo Pro Plan Transaction / Processing Rate |
| Free Tier & Included Quotas Sandbox vs production allowance | Open Net Worth is self-hostable (Open Source (AGPL-3.0)) at $0 license cost | Wave Accounting Starter (Accounting & Invoicing) tier (core accounting, billing & invoicing capabilities); Pro Plan upgrades start at $16/mo |
| Proprietary Limits & Gotchas Caps, lock-in & overage cliffs | Open Net Worth tier notes — Flat-Rate Small Business Pricing: 100% free & open-source; Full API & Webhooks: Full source & API access | Wave Accounting tier notes — 1-Click Full Data Export: Accountant-ready CSV & financial statement exports; Flat-Rate Small Business Pricing: $0 Starter tier or $16/mo Pro |
| Migration Complexity Engineering & ops switching effort | Low (< 30 mins) Configure Open Net Worth (Flat-Rate Small Business Pricing, Full API & Webhooks, Self-Hostable / Open Source) and import existing accounting, billing & invoicing records | Low (< 30 mins) Configure Wave Accounting (1-Click Full Data Export, Flat-Rate Small Business Pricing) and import existing accounting, billing & invoicing records |
| Target Company Stage Best operational fit | Solo Founders & Accounting, Billing & Invoicing SMBs | Solo Founders & Accounting, Billing & Invoicing SMBs |
| Data Privacy & Compliance U.S. & enterprise governance | Open Source / Self-HostGDPR / CCPA ReadyFlat-Rate Small Business | GDPR / CCPA Ready1-Click Full Data ExportTransparent USD Pricing |
Interactive Workload & Infrastructure Cost Simulator
Compare realistic monthly & annual platform spend by production workload stage (not fake per-seat math).
Open Net Worth: Transaction / Processing Rate
Wave Accounting: Transaction / Processing Rate
Estimated Annual Savings with Open Net Worth: $192/yr
Saves ~100% annually at this workload tier based on published USD rates.
Technical Capability Matrix
Side-by-side feature, API, and data-ownership checklist.
| Feature Specification | Open Net Worth | Wave Accounting |
|---|---|---|
| Flat-Rate Small Business Pricing pricing | Supported 100% free & open-source | Supported $0 Starter tier or $16/mo Pro |
| Full API & Webhooks developer | Supported Full source & API access | Not Included |
| Self-Hostable / Open Source infrastructure | Supported Open Source (AGPL-3.0) repository | Not Included |
| 1-Click Full Data Export data-ownership | Not Included | Supported Accountant-ready CSV & financial statement exports |
Official Published USD Pricing Tiers
Verified plan structure for Open Net Worth and Wave Accounting.
Open Net Worth Plans USD Verified
Free / Open Source
monthly
Wave Accounting Plans USD Verified
Starter (Accounting & Invoicing)
monthly
Pro Plan
monthly
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Frequently Asked Questions
Key pricing, quota, migration, and security answers for Open Net Worth vs Wave Accounting.
What is the main difference between Open Net Worth and Wave Accounting in 2026?
Open Net Worth ($0 Open Source (Open Source (AGPL-3.0)), billed by transaction / processing rate) is best suited for: Self-hosted alternative to Claude and ChatGPT Personal Finance. An AI agent that manages your budget and investments, an By contrast, Wave Accounting (Free / $16/mo Pro Plan, billed by transaction / processing rate) is best for: Simple, free accounting and invoicing built for small business owners
How do Open Net Worth and Wave Accounting compare on free tiers and USD pricing?
Open Net Worth: Open Net Worth is self-hostable (Open Source (AGPL-3.0)) at $0 license cost. Wave Accounting: Wave Accounting Starter (Accounting & Invoicing) tier (core accounting, billing & invoicing capabilities); Pro Plan upgrades start at $16/mo. Always compare based on your real workload metric (Transaction / Processing Rate vs Transaction / Processing Rate) rather than headline base tier alone.
What proprietary feature limits or overages should founders watch out for?
On Open Net Worth: Open Net Worth tier notes — Flat-Rate Small Business Pricing: 100% free & open-source; Full API & Webhooks: Full source & API access. On Wave Accounting: Wave Accounting tier notes — 1-Click Full Data Export: Accountant-ready CSV & financial statement exports; Flat-Rate Small Business Pricing: $0 Starter tier or $16/mo Pro.
How difficult is migrating from Wave Accounting to Open Net Worth, and what compliance is supported?
Estimated migration effort to Open Net Worth is Low (< 30 mins) (Configure Open Net Worth (Flat-Rate Small Business Pricing, Full API & Webhooks, Self-Hostable / Open Source) and import existing accounting, billing & invoicing records). Security & data governance signals for Open Net Worth include Open Source / Self-Host, GDPR / CCPA Ready, Flat-Rate Small Business, while Wave Accounting offers GDPR / CCPA Ready, 1-Click Full Data Export, Transparent USD Pricing.
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