Comparison

Wave vs D2 Savings

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Wave

Manage your small business finances on the go. Send professional invoices, track expenses with receipt scanning, and monitor your business insights. Get paid faster with integrated online payment options.

Highlights
  • Send customized invoices and estimates
  • Scan receipts with OCR for expense tracking
  • Monitor business insights on a dashboard
  • Accept online credit card and bank payments
  • Automate late payment reminders
  • Syncs with desktop account
Currently charting
Read full description

Wave’s mobile app is an integrated, on-the-go solution for small business owners, creators, freelancers, consultants, and contractors in the US and Canada and the perfect companion to your desktop experience. Send customized, professional invoices and estimates and keep track of your business expenses in one place! Add optional online credit card and bank payment processing to get paid even faster. Plus, subscribe to our Pro Plan to access even more bookkeeping and invoicing features. Our receipts feature is included for free in the Pro Plan or easy to add-on to the Starter Plan. You can capture unlimited receipts with optical character recognition to track your business expenses. Bookkeep better with the Pro Plan Want to look more polished, save more time, and conquer cash flow? With our Pro Plan, you get access to the following features: Capture unlimited receipts and track expenses at no additional cost Option to accept online payments* at a discounted rate Auto-import bank transactions** Auto-merge and categorize bank transactions Add additional users to your account Automate late payment reminders Access live-person chat and email support And more! You’re in good company Wave’s software has helped more than 300K North American small business owners manage their money, so you know we’ve got your back. Dashboard Easily monitor what’s going on in your business with Wave’s intuitive dashboard, which includes: At-a-glance business insights, like profit and loss statements Quick access to invoicing metrics, like amounts overdue and upcoming payments Access to accounting reports for understanding your business, filing taxes, and more Mobile invoicing Create and send professional, customized invoices with your logo Receive notifications when you've been paid Check invoice status (sent, viewed, overdue, paid) Record payments Send invoice reminders and payment receipts Get paid even faster with Wave’s online payments feature to accept credit cards and bank payments Synchronize instantly with your Wave account on desktop Estimates Instantly create and send estimates and land that dream customer quicker Convert an estimate into an invoice in seconds Customize estimates with your brand colors and logo Access your estimates from anywhere, anytime Designed to get you paid faster Wave invoice templates and email messages are designed to help you get paid faster Sending professional easy-to-read invoices inspires confidence from your clients, encouraging prompt payment and repeat business Receipt scanning Organize and manage your receipts in one place with Wave’s subscription-based mobile receipts feature Don’t waste time manually managing your expenses—let our app capture receipt details in seconds using OCR technology Get peace of mind and breeze through tax season with updated books and reports, synced with our accounting feature Upload receipts from your desktop or via email Manage and categorize transactions on-the-go or on desktop—everything stays synced! Accept online payments in seconds Wave’s invoicing software works seamlessly to accept online payments via direct integration with our online payments feature: Getting started is as easy as a few clicks*. You’ll be able to select the invoices where you want to accept all major credit cards (Visa®, MasterCard®, American Express®, Discover®) for a competitive, per transaction fee. Most Wave invoices paid by credit card and bank payment get paid in 2 days or less! Create your Wave account right in the Wave mobile app, or visit waveapps.com. *Approval is subject to eligibility criteria, including identity verification and credit review. **Not all financial institutions are supported. Learn more here: https://support.waveapps.com/hc/en-us/articles/115005541303-Understanding-bank-connections Privacy: https://www.waveapps.com/legal/privacy-policy Terms of Use: https://www.waveapps.com/legal/terms-of-use Terms of Service: https://www.waveapps.com/legal/legal-disclosures

About

D2 Savings

Discover and support local businesses with exclusive deals and coupons. Learn about small businesses, connect with them on social media, and save money while shopping small. This app makes supporting local convenient and rewarding.

Highlights
  • Browse small business deals
  • Redeem coupons
  • Learn about small businesses
  • Follow social media
  • Save money
Features
Read full description

If you love shopping small businesses this app is for you! Browse deals to various small businesses to make shopping small more convenient in one app. Learn about small businesses, follow their social media, and of course SAVE MONEY supporting them. This app is free to download, no subscription or payment is required to view or redeem coupons. User License Agreement: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Wave4 screens
D2 Savings4 screens

Verdict

The call

The clearest difference is rating: D2 Savings at 5.0 against Wave's 4.4. D2 Savings also leads on monetization model (free vs free with in-app purchases) and device support (3 vs 1). Wave's advantage is update cadence (every 3 weeks vs every 8 months) and ratings volume (6.7K vs 2). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Wave sells 4 in-app purchases, starting at $8.00 per month and D2 Savings sells 4 in-app purchases, starting at $149.99 per year. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

D2 Savings holds the better App Store score, 5.0 against 4.4. That said, the two scores are not equally well evidenced: Wave has 6.7K ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Wave ships an update every 3 weeks, D2 Savings every 8 months. The most recent releases landed on October 26, 2026 and October 18, 2026 respectively.

Scorecard6 real differences · 5 level
Wave versus D2 Savings: the parameters behind the verdict, then further details
ParameterWaveD2 Savings
PriceFreeFree
Rating4.4 (6.7K ratings)5.0 (2 ratings) — better
Positive reviews28.9% of reviews—
Number of ratings6.7K — better2
Update frequencyEvery 3 weeks — betterEvery 8 months
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree — better
Best chart rank#47 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.415.1 — better
Further details — not scored
Size128 MB23 MB
Age rating17+4+
DeveloperWave Financial IncKayla Nangle

Customer experience

Wave

All ratings6,652 ratings
Positive84.7%
Neutral3.3%
Negative12.0%
Written reviews380 reviews
Positive28.9%
Neutral9.7%
Negative61.3%

D2 Savings

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Wave

Reported bugs

5 issues
  • App crashes when trying to edit invoices
  • Inability to view past transactions in mobile app
  • Inconsistent behavior when connecting bank accounts
  • Incorrect tax calculations and reporting issues
  • Delayed or missing payments from customers

Requested features

5 requests
  • Add dark mode option
  • Improve mobile app functionality
  • Integrate with more third-party services
  • Provide better customer support channels
  • Add more customization options for invoices

D2 Savings

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Wave

Subscriptions4
  • Mobile receipts - Monthly$8.001 Month
  • Pro Plan - Monthly$19.001 Month
  • Mobile receipts - Annual$72.001 Year
Show 1 more
  • Pro Plan - Annual$190.001 Year
4 purchases

D2 Savings

Subscriptions1
  • Annual Unlimited$149.991 Year
One-time3
  • Coupon - 3-7 Days$4.99
  • Coupon - 8-14 Days$9.99
  • Coupon - 15-30 Days$14.99

Questions

Is Wave free?
Wave is free to download, with in-app purchases available.
Is D2 Savings free?
D2 Savings is free to download, with in-app purchases available.
Which has better reviews, Wave or D2 Savings?
D2 Savings is rated higher. Wave averages 4.4 out of 5 from 6.7K ratings, while D2 Savings averages 5.0 from 2 ratings.
Do Wave or D2 Savings have ads?
Neither Wave nor D2 Savings shows ads.
Which is updated more often, Wave or D2 Savings?
Wave ships an update every 3 weeks, and D2 Savings every 8 months. Most recently, Wave was updated on October 26, 2026 and D2 Savings on October 18, 2026.

Other comparisons