Is Hnry or Spendbase better?

Neither clearly leads. Hnry starts at 1/per $100 income and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Hnry or Spendbase?

Spendbase has a free tier; the other does not. Paid plans start at 1/per $100 income for Hnry and Free for Spendbase.

Does Hnry or Spendbase run on more platforms?

Both run on Web, so platform support will not decide this one for you.

Can I use Spendbase for free?

Yes. Spendbase 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 Spendbase is typically brought in for.

What can Hnry do that Spendbase cannot?

Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

Accounting · head to head

Hnry vs Spendbase

Hnry

Accounting

Accounting for sole traders and the self-employed

From: 1/per $100 income
Rated: -

Full review Website

Spendbase

Accounting

SaaS and cloud spend management that charges a share of the savings it finds rather than a licence

From: Free
Rated: -

Full review Website

The short version

Only Spendbase 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; Spendbase charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Hnry and Spendbase actually diverge.

Attributes where Hnry and Spendbase differ
Attribute	Hnry	Spendbase
Starting price	1/per $100 income	Free
Pricing model	usage-based	Free card tier, plus a share of savings on the managed plan
Free tier	No	Yes

Identical on both: 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 Hnry

Nothing recorded that Spendbase does not also cover.

Only in Spendbase

Subscription visibility
Discount marketplace
Virtual cards
Cashback
Renewal management
Savings-share billing

What people use each for

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

Hnry

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

Spendbase

A startup with no procurement function that wants renewal dates and subscription owners in one placenot Hnry
A company with heavy Azure or cloud spend that can use pre-negotiated credit allocationsnot Hnry
Issuing virtual cards per subscription so a forgotten trial cannot renew silentlynot Hnry
A finance lead who wants software cost reduction without hiring anyone to do itnot 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

Spendbase

Charging a share of savings gives the vendor an interest in defining savings generously, and the customer cannot verify a counterfactual price it never saw.
The savings share is reported at around 25 percent but is not published on the pricing page, so the actual commercial terms only appear in a contract.
Spendbase is both a banking provider and your software negotiator, so a company using both concentrates operating cash and vendor relationships in one small, young company.
Banking is delivered through partners rather than held directly, meaning deposit protection and service continuity depend on those partners rather than on Spendbase.
It is scoped for startups and small companies, so organisations needing approval workflows, purchase orders or ERP integration will find it thin against a real procurement platform.

Pricing, plan by plan

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

Spendbase

Free

Digital bankingFree
- No monthly fee per user
- Up to 100 virtual cards
- EUR and GBP account details
Spend management$undefined/year
- Everything in the free tier
- Reported share of roughly 25 percent of savings achieved
- 200 percent return guarantee against a deposit

Which should you pick?

Choose Hnry if

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

Hnry review

Choose Spendbase if

You need subscription visibility.
You want to start without paying.
You also want discount marketplace.

Spendbase review

Questions people ask

Is Hnry or Spendbase better?: Neither clearly leads. Hnry starts at 1/per $100 income and Spendbase at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Spendbase?: Spendbase has a free tier; the other does not. Paid plans start at 1/per $100 income for Hnry and Free for Spendbase.
Does Hnry or Spendbase run on more platforms?: Both run on Web, so platform support will not decide this one for you.
Can I use Spendbase for free?: Yes. Spendbase 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 Spendbase is typically brought in for.
What can Hnry do that Spendbase cannot?: Spendbase covers Subscription visibility, Discount marketplace, Virtual cards, Cashback.

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

Spendbase: Is Spendbase free?

The card and banking tier is genuinely free with no per-user fee. The spend management service is paid from a share of the savings it finds, reported at around 25 percent.

Hnry: Are there joining fees for Hnry?

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

Source

Spendbase: How is a saving calculated?

The methodology is not published. Agree the baseline, the measurement period and what counts as a saving in writing before signing.

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

Spendbase: Does Spendbase hold my money?

Banking is provided through regulated partners including Moorwand in the UK and EEA and Sutton Bank in the US, with Mastercard issuing the cards.

Spendbase: Is it suitable for an enterprise?

No. There are no purchase orders, approval hierarchies or ERP integration; it is built for startups.

Hnry vs Spendbase

Hnry

Spendbase

The short version

Where they differ

What each one covers

Only in Hnry

Only in Spendbase

What people use each for

Hnry

Spendbase

Where each one falls short

Hnry

Spendbase

Pricing, plan by plan

Hnry

Spendbase

Which should you pick?

Choose Hnry if

Choose Spendbase if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Hnry

More on Spendbase

Keep looking

Other head to heads