# Hnry review (2026): is it any good?

> Tax and accounting service for sole traders in New Zealand

Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA.

Hnry is a combined accounting service and app for self-employed people. Income is paid into a Hnry account, where tax is calculated, deducted and paid, and Hnry files the returns. It also offers invoicing, expense management and a business Mastercard. The pricing page is for New Zealand; sister sites exist for Australia and the UK.

- **Category:** Accounting & Invoicing
- **Made by:** Hnry
- **Website:** https://hnry.co.nz
- **Runs on:** Web
- **Who should skip it:** Not for you if you run a company or have staff, as the pages describe sole traders only.
- **Facts last checked:** Nov 12, 2026

## Pricing

As of Nov 12, 2026, Hnry is free to use.

- **Pricing model:** Free
- **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.
- **Free trial:** None listed.

| Plan | Price | What you get |
| --- | --- | --- |
| 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. |

Read from https://hnry.co.nz/pricing on Nov 12, 2026. Prices change, so confirm with Hnry before buying.

## Key features

- **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.

## Good for

- New Zealand sole traders who want tax handled for them
- Contractors who prefer a percentage fee over a monthly subscription
- People who want an accountant and software in one service

## Worth knowing

- 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.

## ToolGPA grades

**GPA: 2.0 out of 4**, graded Nov 12, 2026. Hnry pays your tax and files your returns for a New Zealand sole trader, for 1% plus GST of what lands in your Hnry Account. That fee rises with income up to $1,500 plus GST a year, small payments carry a minimum fee, and the pages don't describe it for companies or staff.

- **Value for money: C.** 1% 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.
- **Free plan and trial: C.** No subscription or card to join, but the fee comes off every payment, with a $0.50 plus GST minimum under $50. No trial.
- **Features: C.** Tax calculated and paid, filings, invoicing, expenses and a business Mastercard. It's built for sole traders and has no ledger for companies.
- **Ease of use: C.** No store rating on record. Clients pay into the Hnry Account, so setting up means changing how you get paid.
- **Platforms and integrations: C.** Web only on record, and we read only the New Zealand site. No integrations are listed.

These are ToolGPA's own grades. Graded from this listing, whose facts were read from Hnry's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.

## Where it stands among accounting and invoicing tools

- Hnry's GPA of 2.0 is higher than 22 of the 127 other accounting and invoicing tools we grade, and level with 20.
- Hnry has no paid plan.
- On features, ease of use and platforms it scores 2.0 out of 4. Nothing scores higher for less, though at least one tool matches that score at a lower price.

The category's chart of price against score: https://toolgpa.com/charts/accounting

## Keep it, or make your own?

**Keep it.** Hnry is free, so making your own would save you nothing. And it is not the kind of software a weekend replaces. That makes this kind of software worth paying for, not this one in particular: 85 of the 127 other accounting and invoicing tools grade higher.

- You could make: Invoicing, expense tracking and reports: an app builder makes these well.
- You could not: Live feeds from your bank, which take an agreement with each bank or a service that has them.

A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it.

**Tags:** Invoicing, Expense tracking, Bookkeeping, Reports

## Alternatives

- [Xero](https://toolgpa.com/tools/xero): Cloud accounting for small businesses, with unlimited users. [Compare](https://toolgpa.com/compare/hnry-vs-xero)
- [MYOB](https://toolgpa.com/tools/myob): Australian accounting, GST, BAS and payroll software. [Compare](https://toolgpa.com/compare/hnry-vs-myob)
- [FreeAgent](https://toolgpa.com/tools/freeagent): Accounting for freelancers and small firms, built in the UK. [Compare](https://toolgpa.com/compare/freeagent-vs-hnry)
- [IRIS KashFlow](https://toolgpa.com/tools/kashflow): UK online accounting for sole traders and limited companies. [Compare](https://toolgpa.com/compare/hnry-vs-kashflow)
- [Wave](https://toolgpa.com/tools/wave): Free invoicing and bookkeeping for US and Canadian small businesses. [Compare](https://toolgpa.com/compare/hnry-vs-wave)

## Sources

The prices, plans, platforms and features above were read from these pages on Nov 12, 2026:

- https://hnry.co.nz/pricing
- https://hnry.co.nz/

Page: https://toolgpa.com/tools/hnry
Listed by ToolGPA (toolgpa.com).