Softwr

Accounting · head to head

Hnry vs Ramp

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
Rated
-
Full reviewWebsite
Ramp logo

Ramp

Accounting

The corporate card that helps you spend less

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Ramp has a free tier, so it costs nothing to try first.
  • Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; Ramp procurement module unavailable on Free plan; available as add-on on Plus
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hnry and Ramp actually diverge.

Attributes where Hnry and Ramp differ
AttributeHnryRamp
Starting price1/per $100 incomeFree
Pricing modelusage-basedsubscription
Free tierNoYes
PlatformsWebWeb, Mobile apps
FoundedUnknown2019

Identical on both: 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 Hnry

Nothing recorded that Ramp does not also cover.

Only in Ramp

  • Corporate cards
  • Expense management
  • Bill pay
  • Accounting automation
  • Spend insights
  • QuickBooks
  • NetSuite
  • Xero

What people use each for

The jobs each tool is most often brought in to do.

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Ramp
  • Logging expenses via photo instantlynot Ramp
  • Sending unlimited invoices with auto-follow-upnot Ramp
  • Automatically withholding income taxes year-roundnot Ramp

Ramp

  • Corporate expense management and automationnot Hnry
  • Accounts payable automation with AI invoice processingnot Hnry
  • Multi-currency travel and policy managementnot Hnry

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

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

Ramp

  • Procurement module unavailable on Free plan; available as add-on on Plus
  • Workday and Oracle Fusion integrations limited to Enterprise tier only
  • Multi-entity functionality requires Plus tier or higher
  • Local card issuance in 30+ countries limited to Enterprise tier
  • Advanced ERP integrations require higher tier selection

Pricing, plan by plan

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

Ramp

Free
  • FreeFree
    • Unlimited physical and virtual corporate cards
    • Receipt collection and matching
    • AI-powered OCR invoice capture
  • Plus$15/month
    • All Free plan features
    • Auto-lock cards for compliance violations
    • 24/7 phone support
  • Enterprise$null/year
    • All Plus plan features
    • Custom pricing
    • Workday and Oracle integrations

Which should you pick?

Choose Hnry if

Nothing in the data separates Hnry from Ramp on the points above - pick on price and on how each one feels to use.

Hnry review

Choose Ramp if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Mobile apps.
  • You also want expense management.
Ramp review

Questions people ask

Is Hnry or Ramp better?
Neither clearly leads. Hnry starts at 1/per $100 income and Ramp at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Ramp?
Ramp has a free tier; the other does not. Paid plans start at 1/per $100 income for Hnry and Free for Ramp.
Does Hnry or Ramp run on more platforms?
Hnry runs on Web. Ramp runs on Web, Mobile apps.
Can I use Ramp for free?
Yes. Ramp has a free tier, so you can try it without paying. Hnry starts at 1/per $100 income.
What is Hnry best used for?
Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Ramp is typically brought in for.
What can Hnry do that Ramp cannot?
Ramp covers Corporate cards, Expense management, Bill pay, Accounting automation.

Answered from the vendors’ own pages

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.

Source
Ramp: How much does Ramp Plus plan cost?

Ramp Plus plan costs $15 USD per user per month plus a platform fee based on team size. Annual billing provides a 20% discount compared to monthly billing.

Source
Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

Source
Ramp: What accounting systems does Ramp integrate with?

Ramp Free and Plus plans integrate with QuickBooks Online and Xero. Plus plan adds access to additional ERP systems, and Enterprise plan supports Workday, Oracle, and advanced options.

Source
Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

Source
Ramp: Does Ramp offer a free plan?

Yes, Ramp Free plan includes unlimited corporate cards, AI invoice capture, receipt collection, multiple payment methods, QuickBooks and Xero integrations, and 24/7 chat support. No pricing is charged for the Free tier.

Source
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