Accounting · head to head
Causal vs Hnry
Causal
Accounting
Formula-based financial planning and modelling, now sold as Lucanet xP&A
- From
- On request
- Rated
- -
Hnry
Accounting
Accounting for sole traders and the self-employed
- From
- 1/per $100 income
- Rated
- -
The short version
- Each has a real cost: Causal causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.; Hnry service limited to self-employed sole traders in New Zealand only
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Causal and Hnry actually diverge.
Identical on both: free tier (No), platforms (Web), user rating (Not yet rated), category (Accounting).
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 Causal
- Variable-based modelling
- Dimensional breakdowns
- Scenario and range inputs
- Actuals integration
- Interactive dashboards
- Version history
- Spreadsheet import
- Workforce and headcount planning
Only in Hnry
Nothing recorded that Causal does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
Causal
- A finance team whose three-statement Excel model has become too fragile to change safely before every board meetingnot Hnry
- A company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the driversnot Hnry
- A budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheetnot Hnry
- A group already running Lucanet for consolidation and reporting that wants planning on the same platform rather than a separate toolnot Hnry
Hnry
- Calculating quarterly tax without manual bookkeepingnot Causal
- Logging expenses via photo instantlynot Causal
- Sending unlimited invoices with auto-follow-upnot Causal
- Automatically withholding income taxes year-roundnot Causal
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Causal
- Causal was acquired by Lucanet on 31 October 2024 and the independent brand has been retired in favour of Lucanet xP&A, so the roadmap, support and pricing you buy are Lucanet’s and not the ones the product built its reputation on.
- Self-serve pricing is gone: the old causal.app pricing page now redirects to a Lucanet solution page, so what was a transparent product you could sign up for is an enterprise sales conversation with no published rate.
- The variable-based model is a genuine departure from spreadsheet thinking, so an accountant fluent in Excel must relearn how to express a model, and the team members who could previously all edit the forecast often cannot at first.
- Deep Excel compatibility is limited by design; complex existing workbooks with macros, circular references or heavy lookups do not import cleanly and have to be rebuilt, which turns a tool evaluation into a modelling project.
- Consolidation, statutory reporting and multi-entity currency handling are weaker than in dedicated corporate performance management suites, so a group with several legal entities usually needs Lucanet’s other modules alongside it, raising the real cost well past the planning tool alone.
Hnry
- Service limited to self-employed sole traders in New Zealand only
- 1% + GST fee with $1,500 annual maximum cap
- Minimum $0.50 fee per transaction for payments under $50
Pricing, plan by plan
Causal
On request- Lucanet xP&A (formerly Causal)$undefined/year
- Variable-based planning models with dimensions and scenarios
- Actuals integration from accounting, CRM and warehouse sources
- Interactive dashboards for non-finance stakeholders
Hnry
1/per $100 incomeNo published plan breakdown. See the Hnry review.
Which should you pick?
Choose Causal if
- You need variable-based modelling.
- You also want dimensional breakdowns.
Choose Hnry if
Nothing in the data separates Hnry from Causal on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is Causal or Hnry better?
- Neither clearly leads. Causal starts at On request and Hnry at 1/per $100 income, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Causal or Hnry?
- Causal starts at On request and Hnry at 1/per $100 income.
- Does Causal or Hnry run on more platforms?
- Both run on Web, so platform support will not decide this one for you.
- What is Causal best used for?
- Causal is most often used for a finance team whose three-statement excel model has become too fragile to change safely before every board meeting, a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers, a budget owner outside finance who should adjust hiring or spend assumptions and see the effect without being given edit access to the master spreadsheet, a group already running lucanet for consolidation and reporting that wants planning on the same platform rather than a separate tool. Of those, a finance team whose three-statement excel model has become too fragile to change safely before every board meeting and a company that needs to show a range of outcomes rather than a single forecast, with uncertainty modelled directly in the drivers are not what Hnry is typically brought in for.
- What can Causal do that Hnry cannot?
- Causal covers Variable-based modelling, Dimensional breakdowns, Scenario and range inputs, Actuals integration.
Answered from the vendors’ own pages
Causal: Does Causal still exist?
The product does, as Lucanet xP&A. The independent Causal brand and self-serve offering have been retired following the October 2024 acquisition.
Hnry: How much does Hnry charge?
Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.
SourceCausal: What does it cost now?
Nothing is published. The former pricing page redirects to Lucanet, and the product is quoted as part of the Lucanet CFO Solution Platform.
Hnry: Are there joining fees for Hnry?
No, Hnry has no joining fees, upfront payments, or credit card required to sign up.
SourceCausal: Can I import my existing Excel model?
Simple workbooks import. Models with macros, circular references or heavy lookup chains have to be rebuilt around named variables, which is the real migration cost.
Hnry: Is the Hnry fee tax deductible?
Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.
SourceCausal: Is it a replacement for a consolidation tool?
No. It plans and forecasts. Statutory consolidation and multi-entity reporting sit in Lucanet’s other modules.
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