Hnry vs IRIS KashFlow (2026): which should you pick?
As of Nov 12, 2026, IRIS KashFlow grades higher than Hnry: 2.2 against 2.0 out of 4.0.
Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA
IRIS KashFlow grades higher on platforms. They get the same grade on value for money, the free plan, features and ease of use.
Price, platforms and features side by side. The table says where each price was read and when.
IRIS KashFlow
UK online accounting for sole traders and limited companies
Which one is for you
Pick Hnry if
- Fits if you're a New Zealand sole trader who doesn't want to think about tax
- Works for contractors who'd like tax taken out of each payment automatically
Look elsewhere if
- Not for you if you run a company or have staff, as the pages describe sole traders only
- Pricey if you earn a lot: the 1% fee runs up to $1,500 plus GST a year
- Tight if you're paid in many small amounts: payments under $50 carry a $0.50 plus GST minimum
- Watch out: the Australian and UK versions are separate sites that we didn't read
Pick IRIS KashFlow if
- Fits if you're a UK limited company that wants VAT returns and payroll in one product
- Works for sole traders who sell through Shopify, WooCommerce or Amazon
Look elsewhere if
- Tight if you're on Starter: one user, 10 invoices and 25 bank transactions
- Not for you if you're outside the UK, since VAT goes to HMRC and prices are in pounds
- Watch out: the £1.35 and £2.75 months and the annual prices are new-customer offers
- Pricey if you need more than one user: Business is £27.50 a month plus VAT
How we grade them
| 2.0GPAHnryFair | 2.2GPAIRIS KashFlowFair | |
|---|---|---|
| Value for money | C1% plus GST of income paid into the account, capped at $1,500 plus GST a year, with no subscription. Cheap for a small earner, but it climbs to the cap, so it sits in the middle. | C£13.50 a month for Starter and £27.50 for Business, around the middle of the category. The cheap first 6 months are for new customers only. |
| Free plan and trial | CNo subscription or card to join, but the fee comes off every payment, with a $0.50 plus GST minimum under $50. No trial. | CA 14-day free trial with no credit card. No free plan. |
| Features | CTax calculated and paid, filings, invoicing, expenses and a business Mastercard. It's built for sole traders and has no ledger for companies. | CInvoices, VAT returns, bank feeds, expenses, payments and payroll. Starter caps you at 10 invoices and 25 bank transactions, and unlimited needs Business. |
| Ease of use | CNo store rating on record. Clients pay into the Hnry Account, so setting up means changing how you get paid. | CNo store rating on record, and the pricing page names a mobile app without saying which systems it runs on. |
| Platforms and integrations | CWeb only on record, and we read only the New Zealand site. No integrations are listed. | BWeb only on the listing, with Shopify, WooCommerce, Amazon, eBay, Salesforce and others connected. |
| Best for | New Zealand sole traders who want tax handled | UK online accounts for sole traders and small companies |
The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Hnry and IRIS KashFlow. How we grade
Price against what you get
Hnry has no paid plan and scores 2.0 out of 4 on features, ease of use and platforms. IRIS KashFlow starts at about $18.09 a month and scores 2.3.
IRIS KashFlow scores higher, and starts $18.09 a month higher: the question is whether the extra is worth that to you. Of the other accounting and invoicing tools on the chart, none scores higher than Hnry for less, and 8 score higher than IRIS KashFlow for less.
Features, ease of use and platforms, averaged
What paid plans start at, a month (each step along is roughly double) →
- The best score at each price
- Has a free plan
- No free plan
Where they differ
- IRIS KashFlow also covers payroll and quotes and estimates.
At a glance
| Hnry | IRIS KashFlow | |
|---|---|---|
| Pricing | Free | Free trial |
| Starts at | Free | £13.50 per month, billed monthly (£1.35 for the first 6 months) |
| Free plan | No subscription or card needed to join. Hnry takes 1% + GST of payments into your Hnry Account, capped at $1,500 + GST a year. | None |
| Free trial | None listed | 14-day free trial, no credit card required |
| Web | ||
| Made by | Hnry | KashFlow Software Ltd |
| Price read from | hnry.co.nz | kashflow.com |
| Checked | Nov 12, 2026 | Nov 12, 2026 |
Worth knowing
Hnry
- The fee is 1% + GST of income paid into the Hnry Account, so it rises with earnings up to $1,500 + GST a year.
- Payments under $50 carry a minimum fee of $0.50 + GST each, per the pricing FAQ.
- It is built for sole traders; the pages do not describe it as a ledger for companies or staffed businesses.
- Prices were read on the New Zealand site; Australian and UK versions are separate sites that were not read.
IRIS KashFlow
- Built for UK businesses: VAT submission goes to HMRC, and prices are in pounds.
- Starter is limited to a single user, 10 invoices and 25 bank transactions to reconcile; Business lifts those limits.
- The page marks the annual prices (£97 and £178 plus VAT) as discounted offers for new customers only.
- The pricing page names a mobile app but not which operating systems it runs on.
Key features
Hnry
- Tax calculated and paid for you
- Self-employed income paid into the Hnry Account has tax calculated, deducted and paid, and the rest goes where you direct it.
- Tax filings
- Hnry acts as your accountant and files your tax returns when they are due, as part of the fee.
- Invoicing
- Send invoices from the app and have unpaid ones chased. The pricing page says using Hnry to invoice is optional.
- Expenses and business Mastercard
- Log expenses from a photo, or pay with the Hnry Business Mastercard, which raises business expenses automatically.
- Allocations and mileage
- Set automatic payments to savings, investments or charities, and track mileage with the separate Mileage by Hnry app.
IRIS KashFlow
- Invoicing and quotes
- Send quotes and invoices, set up repeat invoices and purchases, schedule customer statements and set credit limits.
- VAT returns
- VAT is managed in the software and can be submitted online to HMRC; the vendor also has a Making Tax Digital page.
- Bank feeds and reconciliation
- Bank feeds bring in transactions to reconcile, capped at 25 on Starter and unlimited on Business.
- Purchases, expenses and receipts
- Manage purchases and expenses, track mileage and capture receipts with a mobile app.
- Payments
- KashFlow Payments and IRIS Pay let customers pay invoices online.
- Payroll and reports
- Both plans list payroll for up to 5 employees, over 50 reports, multi-currency and a customizable dashboard.
Plans
Hnry
Pay as you earn$0
No subscription. Fee is 1% + GST of each payment into your Hnry Account, capped at $1,500 + GST a year, and covers tax filing, expenses and support.
IRIS KashFlow
Starter£13.50
per month, billed monthly (£97 a year, new customers)
Single user; unlimited quotes, 10 invoices and 25 bank transactions to reconcile. New customers pay £1.35 a month for 6 months.
Business£27.50
per month, billed monthly (£178 a year, new customers)
Multi-user; unlimited quotes, invoices and bank transactions. New customers pay £2.75 a month for the first 6 months.
Ways to pay less
Hnry
No public discounts listed.
IRIS KashFlow
- Other savings
90% off the first 6 months
New customers on monthly billing pay £1.35 (Starter) or £2.75 (Business) a month for 6 months, then the regular monthly price.
- Annual discount
Annual plans for new customers
New customers can pay £97 a year for Starter or £178 a year for Business, plus VAT, against listed RRPs of £162 and £291.50.
Common questions
Which is cheaper, Hnry or IRIS KashFlow?
As of Nov 12, 2026, Hnry is cheaper to start with: it is free, against about $18.09 a month for IRIS KashFlow. Hnry is free, and IRIS KashFlow starts at £13.50 per month, billed monthly (£1.35 for the first 6 months).
Which has a free plan, Hnry or IRIS KashFlow?
As of Nov 12, 2026, only Hnry has a free plan. IRIS KashFlow does not, though it has a free trial.
More comparisons
How this page was made
- The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
- The grades are our own, from each tool’s review or report card. The GPA is their average.
- Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
- The differences and the answers to the questions are worked out from those listings.