Alternativas europeas a Wave
Wave fue gratuito durante mucho tiempo, lo que lo hizo el predeterminado para fundadores canadienses y estadounidenses bootstrapped. Pero "contabilidad en la nube gratuita" de una empresa SaaS de Toronto deja de ser una ventaja cuando estás en la UE y el cumplimiento de GDPR, la residencia de datos de la UE, y las leyes fiscales locales importan.
El argumento de Wave siempre fue directo: facturación y contabilidad gratis, sin tarjeta de crédito requerida, lo suficientemente bueno para solopreneurs. El producto funciona bien para facturación simple y seguimiento de gastos básico. El problema es, si eres un negocio de la UE, la política de privacidad de Wave se lee como una ocurrencia tardía. Los datos van a servidores canadienses. El soporte es asincrónico y lento. ¿Cumplimiento fiscal? El módulo "UK VAT" de Wave es básico, y si estás en cualquier otro lugar de la UE—Alemania, Francia, Benelux, España, Nórdicos—estás parcheando las brechas tú mismo o moviendo a software que habla tus reglas fiscales nativamente.
Pero aquí está la cosa: la UE ahora tiene 30+ plataformas de contabilidad dedicadas, la mayoría freemium, algunas incluso mejores que Wave en características. Cambiar no es doloroso porque las alternativas automatizan cosas que Wave nunca se molestó: cálculos de VAT en tiempo real, cumplimiento de facturación electrónica, alimentaciones bancarias que realmente funcionan, colaboración de contadores sin inicios de sesión deficientes. Y están construidas por fundadores que viven bajo GDPR y entienden que la confianza no es opcional.
Dónde se construye, posee y aloja cada alternativa
| Producto | Creado en | Ubicación de los datos | Propiedad UE | Autoalojable | Código abierto | Ideal para | Precio |
|---|---|---|---|---|---|---|---|
| AbacusSwiss and German-speaking businesses needing modular ERP for accounting, HR, and supply chain. | ch | EU | ✓ | – | – | SME+Enterprise | Contacto |
| BexioSwiss SMEs and self-employed professionals automating bookkeeping and invoicing | ch | Self-hosted | ✓ | – | – | SME | Freemium |
| BillyDanish and Nordic small businesses needing simple, local bookkeeping | dk | EU | ✓ | – | – | SME | Freemium |
| Bokföring· del fundador | se | EU | ✓ | – | – | — | De pago |
| BuchhaltungsButlerGerman freelancers and small businesses needing automated, tax-compliant bookkeeping | de | EU | ✓ | – | – | SME | Freemium |
| e-BoekhoudenDutch and Belgian sole proprietors and small businesses managing their own bookkeeping | nl | EU | ✓ | – | – | SME | Freemium |
| Exact OnlineDutch and Benelux SMEs and accountancy firms needing integrated accounting, ERP, and AI-powered automation | nl | Mixed | ✓ | – | – | SME+Enterprise | Contacto |
| FakturoidCzech/Slovak micro-entrepreneurs and small teams needing invoicing and basic accounting | cz | Unknown | ✓ | – | – | SME | Freemium |
| FastBillGerman freelancers and small businesses needing automated invoicing with GDPR-compliant accounting | de | EU | ✓ | – | – | SME | Freemium |
| Fatture in CloudItalian freelancers, professionals, and small businesses managing invoicing and administration | it | Unknown | ✓ | – | – | SME | Freemium |
| FortnoxSwedish startups and small businesses needing integrated accounting and invoicing | se | Unknown | ✓ | – | – | SME | Freemium |
| FreeAgentSmall UK businesses and freelancers needing integrated invoicing, payroll, and tax compliance without hiring accountants | gb | Mixed | – | – | – | SME | Freemium |
| HoldedSmall businesses and freelancers needing integrated invoicing, accounting, CRM, and HR in one platform | es | EU | ✓ | – | – | SME | Freemium |
| Lexware OfficeFreelancers and small teams handling invoices and accounting without specialists | de | EU | ✓ | – | – | SME | Freemium |
| Merit AktivaEstonian SMEs and accountants seeking simplified online accounting without complex software. | ee | Unknown | ✓ | – | – | SME | Freemium |
| MoneybirdDutch and EU-based freelancers and small businesses needing automated invoicing and VAT compliance | nl | EU | ✓ | – | – | SME | Freemium |
| MyUnisoftFrench accounting firms and SMEs needing integrated accounting and invoicing automation with sovereign EU hosting | fr | EU | ✓ | – | – | SME+Enterprise | Contacto |
| NormanFreelancers and micro-entrepreneurs automating German accounting and tax filing | de | EU | ✓ | – | – | SME | Freemium |
| OdooEuropean businesses needing integrated ERP, CRM, and accounting with GDPR compliance | be | Mixed | ✓ | ✓ | ✓ | SME+Enterprise | Freemium |
| PapierkramGerman freelancers and small business owners needing automated invoicing and tax compliance | de | EU | ✓ | – | – | SME | Freemium |
| PennylaneFrench SMEs and micro-enterprises needing unified invoicing, accounting, and cash flow management | fr | EU | ✓ | – | – | SME | Freemium |
| ProcountorFinnish small businesses and accountants needing cloud-based invoicing and bookkeeping | fi | EU | ✓ | – | – | SME+Enterprise | Freemium |
| RevisoSmall businesses and self-employed professionals seeking straightforward cloud accounting and invoicing | dk | Unknown | ✓ | – | – | SME | Freemium |
| sevDeskGerman freelancers and small businesses handling invoicing and tax compliance | de | EU | ✓ | – | – | SME | Freemium |
| SnelStartDutch-speaking small businesses and accountants automating bookkeeping and tax filing | nl | EU | ✓ | – | – | SME+Enterprise | Freemium |
| TeamSystemItalian and European small businesses and accounting professionals needing cloud-based invoicing and accounting management. | it | EU | ✓ | – | – | SME | Freemium |
| TiimeFrench freelancers and micro-enterprises needing automated invoicing and regulatory compliance | fr | EU | ✓ | – | – | SME | Freemium |
| Visma e-conomicDanish and Nordic small-to-medium businesses needing cloud-based bookkeeping with accountant collaboration | dk | Mixed | ✓ | – | – | SME+Enterprise | Freemium |
| weclappGerman SMEs needing integrated ERP with strict data residency and GDPR compliance | de | EU | ✓ | – | – | SME | Freemium |
| YukiDutch & Belgian accountancy firms and small-to-medium businesses doing their own bookkeeping | nl | EU | ✓ | – | – | SME+Enterprise | Freemium |
Abacus
chSwiss-made modular ERP for mid-market businesses across financial services, real estate, and healthcare.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Bexio
chAll-in-one Swiss cloud business software for SMEs combining accounting, invoicing, and payroll.
- Datos: Self-hosted
- Propiedad UE
Billy
dkFree and simple bookkeeping software for small Danish and Nordic businesses
- Datos: EU
- Nativo RGPD
- Propiedad UE
Bokföring
seContabilidad para pequeñas empresas suecas.
- Datos: EU
- Nativo RGPD
- Propiedad UE
BuchhaltungsButler
deIntelligent German cloud accounting software that automates 76% of bookkeeping work with AI and tax compliance built-in.
- Datos: EU
- Nativo RGPD
- Propiedad UE
e-Boekhouden
nlCloud-based accounting software designed for Dutch entrepreneurs to simplify bookkeeping and tax compliance.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Exact Online
nlAI-powered accounting and ERP software for 675,000+ SMEs and professional firms
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
Fakturoid
czCloud-based invoicing and bookkeeping platform for Czech and Slovak entrepreneurs.
- Nativo RGPD
- Propiedad UE
FastBill
deGerman-built cloud accounting software for freelancers and small businesses with secure local data hosting.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Fatture in Cloud
itItalian cloud-based invoicing and business management software for professionals and SMEs.
- Nativo RGPD
- Propiedad UE
Fortnox
seSweden's leading cloud-based accounting and invoicing platform for small businesses and startups.
- Propiedad UE
FreeAgent
gbCloud bookkeeping and accounting software with integrated payroll and direct HMRC tax filing for UK small businesses.
- Datos: Mixed
- Nativo RGPD
Holded
esAll-in-one cloud platform combining invoicing, accounting, CRM, HR, inventory, and projects for small businesses.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Lexware Office
deCloud-based accounting software for German small businesses with automated receipt processing and tax authority recognition.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Merit Aktiva
eeCloud-based accounting software built in Estonia for simplicity and compliance.
- Propiedad UE
Moneybird
nlCloud-based accounting software that automates invoicing, VAT compliance, and bookkeeping for Dutch and European entrepreneurs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
MyUnisoft
frSovereign French accounting and SME management platform with integrated invoicing and EU data residency
- Datos: EU
- Nativo RGPD
- Propiedad UE
Norman
deAI accountant automating accounting and taxes for European entrepreneurs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Odoo
beOpen-source ERP and CRM suite built for European business integration and data sovereignty.
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
- Autoalojable
- Código abierto
Papierkram
deGerman-built, all-in-one cloud accounting for freelancers and small businesses with automated tax compliance.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Pennylane
frFrench all-in-one financial and accounting platform for SMEs and freelancers.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Procountor
fiCloud-based Finnish accounting software for SMEs and accountants with real-time financial management.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Reviso
dkPan-European cloud accounting platform with Nordic roots and 20+ years of SME bookkeeping expertise.
- Nativo RGPD
- Propiedad UE
sevDesk
deGerman cloud accounting software with automated invoicing, receipt capture, and tax filing for SMEs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
SnelStart
nlCloud-based Dutch accounting and business management software for SMEs and accountants.
- Datos: EU
- Nativo RGPD
- Propiedad UE
TeamSystem
itCloud-based invoicing and accounting platform built for Italian businesses and professionals.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Tiime
frSimple, free, 100% French all-in-one business management platform for French entrepreneurs.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Visma e-conomic
dkCloud-based accounting platform with automation, integrations, and built-in accountant access.
- Datos: Mixed
- Nativo RGPD
- Propiedad UE
weclapp
deGerman cloud ERP built ground-up for modern SME operations with strict EU data residency.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Yuki
nlCloud-native bookkeeping platform built for seamless collaboration between accountants and businesses.
- Datos: EU
- Nativo RGPD
- Propiedad UE
Nuestra valoración honesta
Si eres un freelancer holandés, Moneybird o e-Boekhouden superan a Wave (presentación de VAT funciona, alimentaciones bancarias son confiables). Los solopreneurs alemanes deben mirar Papierkram o Norman para automatización de impuestos alemana real, no improvisando. Los independientes franceses obtienen mejor hoja de ruta de facturación electrónica de Pennylane o Tiime. ¿Pymes españolas en modo crecimiento? Holded hace todo en uno (facturación, CRM, nómina, inventario) donde Wave hace facturación y se detiene. Los equipos daneses y nórdicos se sirven mejor por Visma e-conomic, Billy, o Reviso—todos construidos por fundadores que conocen la ley danesa.
Dónde Bokföring realmente supera a Wave: somos suecos, alojados en la UE, GDPR-nativos, y alineados con reglas fiscales suecas (SRU, Försäljningsstatistik). No estamos intentando ser una plataforma global. Dónde Bokföring pierde: no tenemos el tier gratuito de Wave (Bokföring comienza a un precio real), y no somos adecuados para negocios no suecos. Pero si eres sueco y considerando Wave, estás pagando (en tiempo y riesgo de cumplimiento) por algo que una herramienta sueca maneja con una integración menos. La ejecución gratuita de Wave en América del Norte no se traduce a la UE—la gravedad regulatoria es diferente, y la respuesta de Wave ha sido mantenerse delgada y asincrónica. Está bien para facturación de pasatiempo. No está bien para un negocio intentando dormir por la noche.
Qué comparamos
- Dónde se almacenan los datos
- De quién es la empresa
- RGPD nativo por diseño
- Opción de autoalojamiento
- Código abierto
- Modelo de precios