Compare
XOPON vs Wave.
Wave is free. Free accounting. XOPON is free financial intelligence — a different category solving a different problem at a different stage of the business workflow.
Feature comparison
| Feature | Wave | XOPON |
|---|---|---|
| Invoicing | ✓ Free | — Not the focus |
| Payroll processing | ✓ Paid add-on | — Not the focus |
| Bank reconciliation | ✓ Built-in | — Not the focus |
| Accounting (P&L, etc.) | ✓ Free | — Not the focus |
| Margin calculation | — Basic | ✓ Purpose-built |
| Labor cost analysis | — Not included | ✓ Full burden rate |
| Pricing tools | — Not included | ✓ Floor to anchor |
| Breakeven modeling | — Not included | ✓ Service and product |
| Cashflow projection | — Basic | ✓ 90-day with alerts |
| Business valuation | — Not included | ✓ Three methods |
When to use each
Wave
Bookkeeping. Free accounting for small businesses that need basic financial records without paying for QuickBooks.
XOPON
Intelligence. Understanding margin, pricing correctly, modeling your business before decisions are made.
The price difference is not the point
Both Wave and XOPON have free tiers. The difference is category. Wave looks backward (what happened). XOPON looks forward (what will happen if you price this way).