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Calendars · head to head

Microsoft To Do vs Wave

M

Microsoft To Do

Calendars

Your personal task management app

From
Free
Rated
-
Full reviewWebsite
Wave logo

Wave

Professional Services

Financial software for small businesses

From
Free
Rated
-
Full reviewWebsite

The short version

  • They diverge on capability: Microsoft To Do covers My Day suggestions, Wave covers Double-entry accounting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Microsoft To Do and Wave actually diverge.

Attributes where Microsoft To Do and Wave differ
AttributeMicrosoft To DoWave
Pricing modelfreefreemium
PlatformsWeb, Ios, Android, Windows, MacosWeb, Ios, Android
CategoryCalendarsProfessional Services
Founded19752010

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Microsoft To Do

  • My Day suggestions
  • List sharing
  • Steps
  • Due dates
  • Reminders
  • Outlook
  • Microsoft 365
  • Microsoft Teams

Only in Wave

  • Double-entry accounting
  • Invoicing
  • Expense tracking
  • Financial reporting
  • Bank reconciliation
  • Receipt scanning
  • Multi-currency
  • Sales tax tracking

Both cover

  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Microsoft To Do

  • Schedulingnot Wave
  • Appointment bookingnot Wave
  • Time trackingnot Wave
  • Resource managementnot Wave
  • Team coordinationnot Wave

Wave

  • Invoicing and bookkeeping for very small businesses and freelancersnot Microsoft To Do
  • Accepting card payments against issued invoicesnot Microsoft To Do

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Microsoft To Do

Nothing recorded yet. See the Microsoft To Do review.

Wave

  • Automatic bank transaction import and receipt scanning require the Pro plan at $19 a month
  • The free plan pays a $0.60 per transaction fee on card payments on top of 2.9%, which Pro waives only for the first 10 transactions a month
  • Beyond 10 transactions a month the Pro plan pays the same per transaction fee as the free one
  • Amex is charged at 3.4% rather than 2.9% on both plans

Pricing, plan by plan

Microsoft To Do

Free
  • FreeFree
    • Unlimited tasks
    • My Day
    • List sharing

Wave

Free
  • AccountingFree
    • Unlimited invoicing
    • Expense tracking
    • Financial reports
  • Payments$undefined/transaction
    • 2.9% + $0.60 per transaction
    • Credit card processing
    • Bank payments (1%)
  • Payroll$35/month
    • $35/month base + $6/employee
    • Tax calculations
    • Direct deposit

Which should you pick?

Choose Microsoft To Do if

  • You need my day suggestions.
  • You want to start without paying.
  • You work on Web, Ios, Android, Windows, Macos.
  • You also want list sharing.
Microsoft To Do review

Choose Wave if

  • You need double-entry accounting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want invoicing.
Wave review

Questions people ask

Is Microsoft To Do or Wave better?
Neither clearly leads. Microsoft To Do starts at Free and Wave at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Microsoft To Do or Wave?
Microsoft To Do starts at Free and Wave at Free.
Does Microsoft To Do or Wave run on more platforms?
Microsoft To Do runs on Web, Ios, Android, Windows, Macos. Wave runs on Web, Ios, Android.
Can I use Microsoft To Do for free?
Both have a free tier, so you can try either at no cost before committing.
What is Microsoft To Do best used for?
Microsoft To Do is most often used for scheduling, appointment booking, time tracking, resource management. Of those, scheduling and appointment booking are not what Wave is typically brought in for.
What can Microsoft To Do do that Wave cannot?
Microsoft To Do covers My Day suggestions, List sharing, Steps, Due dates. Wave covers Double-entry accounting, Invoicing, Expense tracking, Financial reporting. Both handle Web support, Ios support, Android support.

Answered from the vendors’ own pages

Wave: Can I try Wave before committing to a paid plan?

Sign up for the Starter Plan to take the bookkeeping and invoicing basics for a spin. Then, whenever you're ready, upgrade to the Pro Plan to unlock even more money management features.

Source
Wave: What happens if I want to cancel my subscription?

Yes, you can unsubscribe at any time. The cancellation of your subscription will take effect at the end of the billing period in which you cancel.

Source
Wave: Can I upgrade or downgrade my plan easily?

To upgrade to the Pro Plan, sign into Wave. Visit your dashboard or use your invoicing or accounting features, and click the 'Upgrade now' button.

Source
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