Softwr

Accounting · head to head

Hnry vs Xero

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

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

Xero

Accounting

Beautiful accounting software

From
$13/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Hnry service limited to self-employed sole traders in New Zealand only; Xero the Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Hnry and Xero actually diverge.

Attributes where Hnry and Xero differ
AttributeHnryXero
Starting price1/per $100 income$13/month
Pricing modelusage-basedsubscription
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2006

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 Xero does not also cover.

Only in Xero

  • Bank reconciliation
  • Invoicing
  • Bill payment
  • Expense claims
  • Financial reporting
  • Inventory tracking
  • Project tracking
  • Mobile apps

What people use each for

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

Hnry

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

Xero

  • Small business bookkeeping, invoicing and bank reconciliationnot Hnry
  • Bill payment and purchase order managementnot Hnry
  • Sharing books with an accountant or bookkeepernot 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

Xero

  • The Early plan caps you at 20 invoices and 5 bills per month, and the invoice limit counts both approving and sending
  • Invoices created by connected app partners count against the Early plan invoice limit
  • Multiple currencies, project time and cost tracking, employee expense and mileage claims and industry benchmarking are restricted to the top Established plan at $90 per month
  • Cash flow forecasting is capped at 30 days on Early and 60 days on Growing, with 180 days only on Established
  • Payroll is not included in any plan and costs an extra $36 a month plus $6 per employee or contractor through Gusto
  • Inventory Plus is a paid optional add-on rather than part of any plan
  • The advertised 90% off applies only to the first 6 months, after which the regular $25, $55 or $90 monthly price auto-renews
  • The introductory discount excludes add-ons, usage charges and payment fees
  • Payment fees apply to online invoice payments and to bill payments other than standard domestic ACH, and are billed on top of the subscription
  • Subscriptions are billed monthly with no annual payment option, and after upgrading you must wait one month before downgrading to a cheaper plan
  • Xero states subscription prices are increasing from October 1, 2026

Pricing, plan by plan

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

Xero

$13/month
  • Early$13/month
    • Send 20 invoices
    • Enter 5 bills
    • Reconcile bank transactions
  • Growing$37/month
    • Unlimited invoices & bills
    • Bulk reconcile transactions
    • Short-term cash flow
  • Established$70/month
    • Everything in Growing
    • Use multiple currencies
    • Track projects

Which should you pick?

Choose Hnry if

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

Hnry review

Choose Xero if

  • You need bank reconciliation.
  • You work on Web, Ios, Android, Api.
  • You also want invoicing.
Xero review

Questions people ask

Is Hnry or Xero better?
Neither clearly leads. Hnry starts at 1/per $100 income and Xero at $13/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Xero?
Hnry starts at 1/per $100 income and Xero at $13/month.
Does Hnry or Xero run on more platforms?
Hnry runs on Web. Xero runs on Web, Ios, Android, Api.
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 Xero is typically brought in for.
What can Hnry do that Xero cannot?
Xero covers Bank reconciliation, Invoicing, Bill payment, Expense claims.

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
Hnry: Are there joining fees for Hnry?

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

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
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