What home bakers need from their software, from sources outside Wave and outside Nexa:
Home bakers who sell under a state cottage food law have to check each sale against the law's labeling rules. A Washington Senate bill report (2011) listed the required label contents: operation name and address, product name, ingredients by weight from most to least, net weight or volume, allergen labeling under federal rules, and a notice in at least 11-point font that the food was made in a home kitchen not inspected by the state. This report is old, so current requirements vary by state and year. The same report has a registration fee of $10 a year instead of a license fee. (lawfilesext.leg.wa.gov)
Cottage food laws usually cap annual sales, so a home baker needs running sales totals by year. The Washington bill report (2011) raised the qualifying limit from $5,000 to $15,000 a year. Caps differ by state and change over time. (lawfilesext.leg.wa.gov)
A home baker working as a sole proprietor owes self-employment tax once net earnings reach $400, at a rate of 15.3% (12.4% Social Security plus 2.9% Medicare). Net earnings means sales minus ingredient, packaging and other costs, so those costs need to be tracked. (irs.gov)
A sole-proprietor baker who expects to owe $1,000 or more in tax when filing the return generally has to make quarterly estimated tax payments. Income from baking is not taxed through withholding, so the baker has to set money aside during the year. (irs.gov)
A home baker who deducts part of the home for baking can use the IRS simplified method: $5 per square foot, up to 300 square feet, for a maximum of $1,500. The space must be used regularly and exclusively for business. A kitchen that is also used for family meals may not meet the exclusive-use test, so the baker needs to record how the space is used. (irs.gov)
Wave covers the bookkeeping side of a cottage baker's year well. Its free plan includes unlimited invoices and bookkeeping records, so a baker can keep running sales totals by year to check against a state sales cap. Receipt capture and expense records show the ingredient and packaging costs that determine net earnings for self-employment tax. Pro, at $19 a month, adds automatic bank import and late-payment reminders. Wave's materials don't mention label-content checks, quarterly estimated-tax figures, or records of how kitchen space is used for a home deduction. Those stay on the baker, whether done by hand or with a tax professional.
Nexa covers the same core record-keeping: invoices and estimates, expenses, receipt scanning, bank reconciliation, profit and loss, and a simple stock count per product. It adds a client pay portal, a public booking page, and job costing with profit per job. Card payments go only through your own Stripe account. It also has no bank import or sync, and no hosted support desk. It is software you own and run yourself, and it works offline. Nothing in its feature list covers cottage-law labels, estimated-tax calculations, or home-use records either. If you use its automated emails or reminders, they send only while Nexa is open on one of your devices.
Over three years Wave Pro costs $684 ($228 a year), and Wave's free plan costs nothing. Nexa is $279 once, or 3 payments of $99. With optional Cloud Sync at $4.99 a month, three years comes to $458.64. A baker already happy on Wave's free plan has little reason to move. A baker paying for Wave Pro mainly for invoices and expense records could save money with Nexa. They should switch only if they don't need automatic bank import or a vendor support line.
Our read for home bakers: Both handle sales totals and expense tracking, and neither handles labels or tax estimates, so stay on free Wave if it works, or pick Nexa to stop paying for Wave Pro.
Read on each linked page in October 2026. Check them again before you decide; vendors change plans often.
Bottom Line
Wave costs home bakers $228/year at today's list price. Nexa is $279 once for invoicing, scheduling, CRM, time tracking and accounting in one suite — so after 14.7 months it has cost less than Wave, and you own it after that. What it is not: hosted-for-you software with a support desk and a roadmap you can lobby. That is the trade, and the rest of this page is the detail behind it.
Can it pay for itself?
Nexa is $279 once, about $23 a month over its first year. Its Drain Guard reads your expenses (from a linked bank, an imported statement, or ones you type in), finds the charges that repeat, and adds them up by the month. Keep or Cut then walks you through them one at a time. Cancel $23 a month of charges you'd forgotten about and Nexa has paid for itself inside the first year, before you count the Wave bill you'd stop paying.
It depends on what you find and what you cancel, so we don't promise a number. In our demo data, Drain Guard finds 5 subscriptions adding up to $110.13 a month. That is sample data, not a customer's.
The verdict for home bakers: Either can do the job, for the reasons in our read above. On price alone, that is $279 once against $684 for Wave over three years.
Choose Nexa if:
You're done paying monthly forever
You're a solo operator or small team (1-5)
You need invoicing, scheduler and financial suite in one tool
You're tired of price increases
You want to own your tools like you own your equipment
Choose Wave if:
You have a large team (10+) needing enterprise features
You're deeply invested in Wave's specific workflow
You need a feature Nexa doesn't have yet
Sound Familiar?
You have 3 custom cake orders this weekend — a birthday cake, a baby shower cake, and two dozen cupcakes for a corporate event. The birthday cake client changed the flavor yesterday and you already bought ingredients. You need to price the corporate cupcakes but butter went up 20% since your last order. The baby shower client wants delivery 45 minutes away — did you charge a delivery fee? Your costs are tracked in a notebook, your orders come through Instagram DMs, and invoicing is Venmo requests sent manually.
Pricing baked goods when ingredient costs change monthly
Tracking ingredient costs per order for accurate profit margins
Managing custom orders with deposits, dietary restrictions, and delivery logistics
Cottage food law compliance — order limits, labeling requirements
Invoicing, scheduling and the books are the pieces of that day. Some tools rent you each piece separately. A few — Nexa among them — bundle the lot and carry their own booking link, with no per-appointment cut. The sections below price both routes honestly.
None of that is a software problem you can buy your way out of in one click — it is why the tool you pick matters more than what it costs. Wave solves some of it. So does Nexa. The difference is what you are left holding in three years.
What Wave Actually Costs Home Bakers
Today's list price is $19/month — $228 a year, from Wave's own pricing page. Every figure below is that price, multiplied. Nothing is projected.
Three years at today's price
Year 1$228
Year 2$228
Year 3$228
Three years of Wave$684
Nexa: $279 once (or 3 × $99). Over the same three years, that is $405 less.
If Wave raises its price, the three-year cost goes up; if it cuts it, the cost comes down. We don't guess which. Add-ons, extra seats and card-processing fees are not included, on either side.
Feature-by-Feature
Feature
Wave
Nexa
Invoicing
✓
✓
Scheduling
✗
✓
CRM
✗
✓
Time Tracking
✗
✓
Full Accounting
✓
✓ (SIMPL)
Task Management
✗
✓
Works offline
✗
✓
Price
$19/mo
$279 once or 3 × $99
3-Year Total
$684
$279
You own it?
No — stop paying, lose access
Yes — forever
✓ and ✗ for Wave come from its own published feature list. — means the feature isn't in that list, which is not the same as Wave lacking it: check with them. Three years is at today's price.
What "$279 Once" Does And Doesn't Buy
It buys the software, not a service contract. You install Nexa and it runs on your machine. There is no seat count, and nothing stops working if you stop paying, because there is nothing to stop paying.
Wave's monthly fee is not only rent. It pays for their hosting, their support desk, and their engineers shipping changes every week. If those matter to how you work, that is a real thing you would be giving up.
Cross-device sync is the one optional extra — $4.99/month if you want your data mirrored between machines. Skip it and Nexa still works; you just sync manually.
The honest risk of buying once: you are betting on us still being here to improve it. The honest risk of renting: the price is theirs to raise, and the graveyard section below is a record of tools that did exactly that.
What Wave Does Better
Straight from Wave's own feature set. If one of these is the reason you pay them, that reason does not disappear because Nexa is cheaper.
Free plan covering unlimited invoices and bookkeeping
Bank transaction import on Pro
Receipt capture
Late payment reminders
Simple enough to run without an accountant
A free plan to start on (with limits), so you can use Wave before paying anything.
Wave is the better call if you need free plan covering unlimited invoices and bookkeeping specifically, or if your team is large enough that per-seat pricing still beats buying software outright.
What Wave Is Built For
Wave says it is built for small business owners and solopreneurs at every stage, not accountants. Its page names freelancers, contractors and consultants. (waveapps.com)
The Starter plan costs $0 and includes unlimited estimates, invoices, bills and bookkeeping records. (waveapps.com)
Pro costs $19 USD a month or $190 USD a year. It adds automatic bank transaction import (for banks Plaid supports), automatic merging and categorizing of bank transactions, and automated late-payment reminders at 3, 7 and 14 days after the due date. (waveapps.com)
Pro lets you put your logo and brand colors on invoices, remove Wave branding from footers, and attach files to invoices and estimates. It also adds user roles (admin, editor, viewer), and the payroll manager and Block Advisors tax pro roles are free. (waveapps.com)
Online card payments on Starter cost 2.9% + $0.60 (Amex 3.4% + $0.60). On Pro the first 10 transactions each month are 2.9% + $0, then 2.9% + $0.60. (waveapps.com)
Wave Advisors starts at $149 a month and includes a dedicated bookkeeper and monthly financial statements. Payroll is an add-on starting at $25 a month in one region and $40 in the other; the page does not say which price applies where. (waveapps.com)
Wave lists a mobile app for invoices, expenses and receipts, and 256-bit SSL encryption with PCI-DSS Level 1 certification. Live chat and email support runs Monday to Friday, 9 AM to 4:45 PM Eastern, and is tied to optional add-ons. (waveapps.com)
What people outside Wave and outside Nexa say:
NerdWallet lists a free plan and straightforward invoicing as pros. Its cons are no built-in third-party integrations, no advanced features such as mileage, time tracking or inventory, no live support unless you pay, and no audit trails. (nerdwallet.com)
NerdWallet says "An overwhelming number of Wave reviewers criticize its customer support." It adds that the paid plan "doesn't address Wave users' biggest complaint: customer service." (nerdwallet.com)
Tech.co praises the free tier, affordable add-ons and the way Wave "does the basics well." It concludes "Wave is definitely worth it" for side businesses that don't need specialist accounting features. (tech.co)
Tech.co criticizes Wave for lacking advanced features such as budgeting, cash flow projections, stock handling and project accounting, and for struggling to scale with growing businesses. It also says phone and live chat support come at a premium. (tech.co)
Read on each linked page in October 2026. Check them again before you decide; vendors change plans often.
Where business tools fit — for a home baker
Software doesn't do the actual work — it automates the business around it. And that part is the same for every home baker: find the work, manage it, bill for it, get paid. Each step has a tool — and the right single tool runs the whole loop, so the handoffs are automatic and you get back to the actual work. Tap a step to see what gets automated.
1
Find the work
Win the job
↓
A lead, a call, a referral — and a quote or estimate that turns it into a booked job.
CRM / contacts
Estimates & proposals
Booking / scheduling
then ↓
2
Manage the work
Do the job
↓
The part you actually get paid for — with the time, materials, add-ons, and tasks tracked as you go, not guessed at later.
Job / project tracking
Time tracking
Expenses, materials & add-ons
then ↓
3
Bill for it
Send the bill
↓
The work becomes the invoice — the hours, the add-ons, the materials, the deposit credited — totaled and sent, instead of re-typed at 9pm.
Invoicing
Deposits & credits
then ↓
4
Get paid
Collect payment
↓
Paid by card or link, the deposit credited, and what's overdue chased — without you doing it by hand.
Card / online payments
Automatic reminders
You can stitch four separate subscriptions across these four steps, or run one tool that does the whole flow so a booking becomes a job becomes an invoice becomes a payment without re-typing. Either way the goal is the same: less time on the business of the business, more on the actual work. (Nexa is built to be the one — but the honest options for each step are above and below.)
Calculate Your Full Stack
Wave plus whatever else you're paying for:
Email yourself this comparison?
Switching from Wave
1
Export your data — Go to Settings → Data Export. Download customers, invoices, transactions, and accounts.
2
Set up Nexa — 15-minute setup. Import your client list and bank transactions from CSV.
3
Parallel run — Run both for 1-2 weeks. Re-create recurring invoices in Nexa and check your bank imports.
4
Cancel Wave — Cancel paid features. Your free account data stays accessible for records.
✓ 30-day money-back guarantee. Zero risk.
What This Means for Home Bakers
The median home baker earns $28,000/year. At $228/year, Wave is a recurring slice of that — paid again every year, whether the year was good or not. Owning the same jobs outright is $279 once, and the slice stops.
Nexa is $279 once. Invoicing, scheduling, CRM, time tracking, accounting — all connected, built for home bakers. You own it like you own your Stand mixer (KitchenAid, commercial).
Is Nexa actually right for a home baker?
An honest fit check — because the wrong tool is worse than no tool.
Right for you if
You run solo or a small team — like the 100,000 home bakers in the US who do, and you wear every hat.
You're tired of paying every month for square and a pile of apps that don't talk to each other.
You want invoicing, scheduling, and client tracking in one place — not scattered across five apps.
You'd rather own your software once, the way you own your Stand mixer (KitchenAid, commercial).
Look elsewhere if
You have a large team that needs enterprise seats, granular roles, and dedicated admin staff — Nexa is built for solo and small operators (1–5), and a bigger platform will serve you better.
You need full payroll for a large team or deep, SKU-level inventory — that's not what Nexa is for.
You're genuinely happy paying monthly and don't mind stitching tools together. No tool fixes a workflow you already like.
The honest fit: if you're a solo or small home bakers business that owns its tools and is sick of renting software, Nexa replaces your whole stack for $279 once. If you're scaling into a large team with dedicated admin staff, a bigger platform may fit better — and we'd rather tell you that now than sell you the wrong thing.
Invoicing, scheduling and the books are the pieces of that day. Some tools rent you each piece separately. A few — Nexa among them — bundle the lot and carry their own booking link, with no per-appointment cut. The sections below price both routes honestly.
What home bakers actually deal with
Pricing baked goods when ingredient costs change monthly
Tracking ingredient costs per order for accurate profit margins
Managing custom orders with deposits, dietary restrictions, and delivery logistics
Cottage food law compliance — order limits, labeling requirements
A day in the life of a home baker
You have 3 custom cake orders this weekend — a birthday cake, a baby shower cake, and two dozen cupcakes for a corporate event. The birthday cake client changed the flavor yesterday and you already bought ingredients. You need to price the corporate cupcakes but butter went up 20% since your last order. The baby shower client wants delivery 45 minutes away — did you charge a delivery fee? Your costs are tracked in a notebook, your orders come through Instagram DMs, and invoicing is Venmo requests sent manually.
The tools a working home baker actually owns
Stand mixer (KitchenAid, commercial)
Cake decorating supplies and turntables
Commercial-grade oven or home oven
Packaging and delivery supplies
Why home bakers leave the big platforms
square: Good for farmers market sales but can't handle custom orders, deposits, or ingredient cost tracking per recipe.
quickbooks: $55/month for a cottage baking business making $28K/year. That's over 2% of gross revenue on accounting software.
wave: Free invoicing but can't calculate cost-per-recipe or help with custom order management.
Where home bakers actually talk shop
r/Baking (Reddit)
r/CakeBusiness (Reddit)
r/cottagefoods (Reddit)
CakeCentral.com Forum (Forum)
Chelsweets (YouTube)
Cake by Courtney (YouTube)
How To Cake It (YouTube)
Preppy Kitchen (YouTube)
Local home bakers on Nexa
Real home bakers near you who run their business on Nexa — book directly, no platform fee.
Are you a home baker? Post your business and get found in your area — $2.99 one-time.
Or browse every home baker on Nexa →
The kit a working home baker owns
The tools of the trade — each a one-time buy that earns its keep for years.
Stand mixer (KitchenAid, commercial)
Cake decorating supplies and turntables
Commercial-grade oven or home oven
Packaging and delivery supplies
You paid for these once because good tools last. That's the bar your software should clear too — priced like a tool you own, $279 once, not a subscription that costs more than your kit every year.
How To Read This Page
We make Nexa. It is one of the two options compared here, so read this with that in mind. We have tried to make Wave's case the way we would want ours made — their strengths above are their own published feature list, not our summary of it.
The prices are Wave's published list prices, checked on the date shown in the sources below. Plans change; check theirs before you decide.
No customer quotes appear on this page because we do not have any from home bakers we can verify. For user testimony, read the independent reviews — Wave on G2 and on Capterra — where the reviewers are not selling you anything.
Check the price yourself:Wave's own pricing page is the source for every figure above, read on the date shown in the sources section below.
We are not neutral about subscriptions, and that is the argument, not a hidden assumption: software you pay for once is cheaper over three years than software you rent, unless you need something only the rented one does.
How we put this guide together
We build a home baker's guide the same way every time, and we'd rather you trust it than take it on faith. Nexa is our product, so the test we hold ourselves to is simple: a tool only "wins" a job here when it genuinely does that job better for a home baker — and where something free, open-source, or buy-once does it better, we say so and link you to it. Where Nexa falls short (payroll is the honest example), we name the alternative outright.
Where the numbers come from
Vendor pricingSquare, QuickBooks $456/yr, Wave $228/yr, FreshBooks $516/yr — taken from each company's published plans, last verified September 2026. Pricing moves; each name above links straight to that vendor’s own pricing page so you can confirm it before you decide.
Income contextThe $28,000 median we cite for the typical home baker is occupational median annual pay from the U.S. Bureau of Labor Statistics (Occupational Employment & Wage Statistics), compiled April 2026. We use it only to show software spend as a share of real income — your own numbers will differ.
The field's own bodiesWe anchor what home bakers actually need to the people who set the standards — NRA. We don't speak for them; we point you to them so you can weigh this guide against the profession's own.
Three-year mathMulti-year totals are today's list price multiplied by the number of years. No price rise is projected, so the figure can be checked against the vendor's own pricing page; if they raise it, the real cost is higher.
Found something out of date? Prices change and we don't catch every move the day it happens. This guide is published and maintained by the Nexa team; if a figure here is wrong, tell us and we'll fix it — getting it right matters more to us than the sale.
FAQ
Is Nexa really a Wave replacement?
For solo home bakers and small teams, yes. invoicing, scheduling, CRM, time tracking, task management, and full accounting — all for $279 once. Wave may be better if you have a large team (10+) or need enterprise-specific features.
What does Wave do that Nexa doesn't?
Wave has features like Free plan covering unlimited invoices and bookkeeping and Bank transaction import on Pro that some businesses rely on. For most solo home bakers, these aren't dealbreakers.
How fast does Nexa pay for itself?
At $19/month, Nexa pays for itself in 14.7 months. After that: $228 saved every year.
Can I pay in installments?
Yes. Nexa is $279 as a one-time payment, or 3 payments of $99 ($297 total). Either way it's a one-time purchase — no subscription, no recurring fees ever.