Wave
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Wave combines personal expense tracking with business accounting tools, letting you log transactions, categorize spending, and generate reports from a single dashboard. The free tier includes receipt scanning, multi-currency support, and the ability to create invoices if you have side income.
It's helpful if you freelance, have a side business, or want accounting-grade reports beyond what typical budgeting apps provide. The platform funds itself through optional paid add-ons, so the core features stay genuinely free.