Hnry vs Xolo (2026): which should you pick?
As of Nov 13, 2026, Xolo grades higher than Hnry: 2.2 against 2.0 out of 4.0.
Checked Nov 12, 2026 and Nov 13, 2026 · graded Nov 12, 2026 and Nov 13, 2026 by ToolGPA
Xolo 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.
Xolo
Invoicing, accounting and compliance for solo business owners
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 Xolo if
- Fits if you freelance abroad and want an Estonian company run for you
- Works for sellers who want invoices without registering a company
Look elsewhere if
- Pricey if you invoice a lot through Go, since 5.9% of everything adds up
- Skip it if you're not using Estonia, as Leap is built around its tax reporting
- Watch out: Leap starts at €59 a month excluding VAT and rises to €259 and up
- Watch out: early annual reports and late documents cost €200 each
- Not for you if you sell to consumers, because Go is for B2B services only
How we grade them
| 2.0GPAHnryFair | 2.2GPAXoloFair | |
|---|---|---|
| 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. | CLeap starts at €59 a month excluding VAT, but that includes accountants doing your filings, so it's set against services rather than apps. Go costs 5.9% of what you invoice. |
| 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. | CGo has no monthly fee, but takes 5.9% of everything you invoice. No trial for Leap. |
| Features | CTax calculated and paid, filings, invoicing, expenses and a business Mastercard. It's built for sole traders and has no ledger for companies. | CInvoicing, company set-up, accounting and tax reporting. Leap is tied to Estonian companies and Go serves B2B services only. |
| Ease of use | CNo store rating on record. Clients pay into the Hnry Account, so setting up means changing how you get paid. | CNo rating on record. The accountants do much of the work, but you still set up the company and links. |
| Platforms and integrations | CWeb only on record, and we read only the New Zealand site. No integrations are listed. | BWeb only, with links to LHV, Wise, Revolut, Payoneer, Stripe, PayPal, Shopify and Amazon. |
| Best for | New Zealand sole traders who want tax handled | freelancers running an Estonian e-Residency company |
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 Xolo. 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. Xolo starts at about $65.91 a month and scores 2.3.
Xolo scores higher, and starts $65.91 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 30 score higher than Xolo 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
- Hnry also covers reports.
At a glance
| Hnry | Xolo | |
|---|---|---|
| Pricing | Free | Free plan |
| Starts at | Free | €59 per month (Xolo Leap Starter), excluding VAT |
| 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. | Xolo Go has no monthly fee: you invoice without a company and pay a 5.9% flat-rate fee. |
| Free trial | None listed | None listed |
| Web | ||
| Made by | Hnry | Xolo OÜ |
| Price read from | hnry.co.nz | xolo.io |
| Checked | Nov 12, 2026 | Nov 13, 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.
Xolo
- Prices are in euros and exclude VAT; Premium and the e-commerce add-on (€59 a month) vary with complexity.
- Leap is built around Estonian companies and Estonian tax reporting; Xolo also runs Spain and Italy products with separate pricing.
- Xolo Go serves B2B services only, and its 5.9% fee applies to what you invoice.
- Early annual report delivery and late documents cost €200 each, and the Pro promotion needs a minimum of 6 months.
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.
Xolo
- Invoicing without a company
- Xolo Go issues invoices with a VAT number under a partnership agreement and pays out to a personal bank account.
- Company registration
- Leap helps register an Estonian company remotely for e-Residency holders, and the site says registration can take one or two days.
- Accounting and tax reporting
- Accountants prepare monthly bookkeeping, Estonian VAT declarations, annual reports and income and social tax reporting on Leap plans.
- Invoices and recurring billing
- Invoices are created and sent from the Xolo Self Service portal, with recurring invoices, VAT checks against VIES and multi-currency billing.
- Expense handling
- Each company gets a unique email address to forward expense documents, which are digitized automatically.
- Bank and payment links
- Leap plans list integrations with LHV, Wise, Revolut, Wamo, Payoneer, Stripe and PayPal.
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.
Xolo
Xolo Go€0
per month, pay-as-you-go
Invoice without a company for a 5.9% flat-rate fee; B2B freelance and contracting services.
Leap Starter€59
per month, excluding VAT
Estonian company accounting; first 12 months or until revenue of €4,000. 50 sales and 20 purchases a month.
Leap Standard€99
per month, excluding VAT
Same service as Starter without the revenue limit; up to 50 sales and 20 purchases a month.
Leap Pro€139
per month, excluding VAT
Up to 500 sales a month, shareholders, OSS reporting and investment activities. Two months free on offer.
Leap Premium€259
per month and up
For complex companies: 500+ sales a month, 1 hour a month with a senior accountant and priority support.
Ways to pay less
Hnry
No public discounts listed.
Xolo
- Other savings
Two months free on Leap Pro
The pricing page offers two months free on Pro, saving €278, if you use Leap for a minimum of 6 months; it then renews at the standard fee.
Common questions
Which is cheaper, Hnry or Xolo?
As of Nov 13, 2026, Hnry is cheaper to start with: it is free, against about $65.91 a month for Xolo. Hnry is free, and Xolo starts at €59 per month (Xolo Leap Starter), excluding VAT.
Which has a free plan, Hnry or Xolo?
As of Nov 13, 2026, both Hnry and Xolo have a free plan.
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.