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+I'm in Canada and need to pick some accounting software for myself, and also recommend it to others, from startups to small business / non profit groups.
+
+## Xero
+
+Xero is the software that I find most flexible to use. Multi-currency support starts at the [$75CAD/month tier](https://www.xero.com/ca/pricing-plans/).
+
+## Quickbooks
+
+Quickbooks is widely adopted and recommended by small business accountants. But, I find it extremely frustrating to use. Multi-currency support is in the [$65CAD/month tier](https://quickbooks.intuit.com/ca/pricing/).
+
+## Wave
+
+Wave is inexpensive -- free if you manually import bank statements. The paid tier is [$220CAD/year](https://www.waveapps.com/pricing) for automatic account imports and the ability to accept credit cards. It doesn't support multi-currency and it doesn't have supports for the accounts I need (Wise).
+
+[Wave Payroll](https://www.waveapps.com/payroll) is still my recommendation for easy to use payroll in Canada.
+
+---
+
+Personally, for my sole proprietorship, I ended up picking Xero again, and got it hooked up to Wise and Stripe and RBC quickly.
+
+I did have to go look up how to set balances from the beginning of the year.
+
+---
+
+I use [[Wave]] with [[Z-Space]], including Payroll, and it does what we need, including recurring invoices with credit card payments.
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