Softwr

Accounting · head to head

Hnry vs Spendesk

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

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

Spendesk

Accounting

Smart spend management for modern teams

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; Spendesk no publicly available pricing, requires custom quote
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hnry and Spendesk actually diverge.

Attributes where Hnry and Spendesk differ
AttributeHnrySpendesk
Starting price1/per $100 income$29/month
Pricing modelusage-basedsubscription
PlatformsWebWeb, Mobile iOS, Mobile Android
FoundedUnknown2016

Identical on both: free tier (No), 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 Spendesk does not also cover.

Only in Spendesk

  • Company cards
  • Expense management
  • Invoice payments
  • Budget management
  • Spend analytics
  • Xero
  • Sage
  • NetSuite

What people use each for

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

Hnry

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

Spendesk

  • Expense managementnot Hnry
  • Spend controlnot Hnry
  • Finance automationnot 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

Spendesk

  • No publicly available pricing, requires custom quote
  • Strong European presence but limited in some non-EU markets
  • High implementation costs due to extensive integration requirements

Pricing, plan by plan

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

Spendesk

$29/month
  • EssentialsFree
    • Virtual cards
    • Expense tracking
    • Approvals

Which should you pick?

Choose Hnry if

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

Hnry review

Choose Spendesk if

  • You need company cards.
  • You work on Web, Mobile iOS, Mobile Android.
  • You also want expense management.
Spendesk review

Questions people ask

Is Hnry or Spendesk better?
Neither clearly leads. Hnry starts at 1/per $100 income and Spendesk at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Spendesk?
Hnry starts at 1/per $100 income and Spendesk at $29/month.
Does Hnry or Spendesk run on more platforms?
Hnry runs on Web. Spendesk runs on Web, Mobile iOS, Mobile Android.
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 Spendesk is typically brought in for.
What can Hnry do that Spendesk cannot?
Spendesk covers Company cards, Expense management, Invoice payments, Budget management.

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
Spendesk: What is included in Spendesk's platform?

Spendesk combines corporate cards, a mobile receipts app, approval workflows, automated reconciliation, accounts payable, procurement, and spend controls into one platform.

Source
Hnry: Are there joining fees for Hnry?

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

Source
Spendesk: How does Spendesk handle expense receipts?

Spendesk captures receipts via mobile photo upload with OCR technology, automatically matching receipts to transactions and generating automated expense reports with 98% of expense receipts collected on time.

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
Spendesk: What integrations does Spendesk offer?

Spendesk integrates with accounting software including Sage, Xero, NetSuite, and SAP, plus HR systems and tools like Slack for comprehensive spend management.

Source
Spendesk: Is Spendesk profitable?

Yes. Spendesk became the first spend management platform to reach profitability in 2025, processing over £10 billion in spend across 35+ countries.

Source
Spendesk: What is Spendesk's valuation?

Spendesk is a unicorn company with a valuation of $1.5 billion, with 2025 revenue of $52 million ARR.

Source
Spendesk: How much time can Spendesk save on bookkeeping?

Organizations using Spendesk save an average of 4 days per month on bookkeeping, equivalent to over 380 hours per year returned to the business.

Source
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