Accounting · head to head
Hnry vs Zoho Expense
Hnry
Accounting
Accounting for sole traders and the self-employed
- From
- 1/per $100 income
- Rated
- -
Zoho Expense
Accounting
Expense reporting and travel management at three dollars per user per month
- From
- Free
- Rated
- -
The short version
- Only Zoho Expense 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; Zoho Expense aI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Hnry and Zoho Expense actually diverge.
| Attribute | Hnry | Zoho Expense |
|---|---|---|
| Starting price | 1/per $100 income | Free |
| Pricing model | usage-based | Per user per month |
| Free tier | No | Yes |
| Platforms | Web | Web, iOS, Android |
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 Zoho Expense does not also cover.
Only in Zoho Expense
- Receipt OCR
- Corporate card reconciliation
- Per diem and mileage
- Approval workflows
- Travel requests and booking
- Policy engine
- Multi currency and multi entity
- Accounting integration
What people use each for
The jobs each tool is most often brought in to do.
Hnry
- Calculating quarterly tax without manual bookkeepingnot Zoho Expense
- Logging expenses via photo instantlynot Zoho Expense
- Sending unlimited invoices with auto-follow-upnot Zoho Expense
- Automatically withholding income taxes year-roundnot Zoho Expense
Zoho Expense
- A mid market company replacing spreadsheet expense claims without a five figure annual software budgetnot Hnry
- An existing Zoho One customer extending the suite so expense data lands in Zoho Books without integration worknot Hnry
- A business with staff travelling across several currencies that needs automatic exchange rate handling on claimsnot Hnry
- A services firm rebilling project expenses to clients and needing them coded to projects at the point of claimnot 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
Zoho Expense
- AI receipt scans are metered per user per month rather than unlimited, so heavy claimants exhaust the allowance and either scan manually or push the organisation to a higher tier.
- Zoho Expense does not issue cards, so policy enforcement is retrospective and out of policy spend is caught after the money has left rather than declined at the terminal.
- Additional users who create expenses are billed at the monthly rate rather than the annual rate, which makes a large population of occasional claimants more expensive than the headline three dollars implies.
- Support quality is the recurring complaint across Zoho products, and at three dollars a seat there is no commercial room for the account management that mid market finance teams expect at renewal or during an audit.
- Deep configuration such as complex approval matrices and custom fields is workable but fiddly, and there is no meaningful professional services organisation to hand implementation to.
Pricing, plan by plan
Hnry
1/per $100 incomeNo published plan breakdown. See the Hnry review.
Zoho Expense
Free- FreeFree
- Up to 3 users
- Receipt capture with limited AI scans
- Basic expense reports
- Standard$3/month
- Billed annually, minimum 3 users
- Corporate card reconciliation
- Approval workflows
- Premium$5/month
- Billed annually
- Travel requests and self booking
- Advanced approvals and policy rules
Which should you pick?
Choose Hnry if
Nothing in the data separates Hnry from Zoho Expense on the points above - pick on price and on how each one feels to use.
Choose Zoho Expense if
- You need receipt ocr.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want corporate card reconciliation.
Questions people ask
- Is Hnry or Zoho Expense better?
- Neither clearly leads. Hnry starts at 1/per $100 income and Zoho Expense at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Hnry or Zoho Expense?
- Zoho Expense has a free tier; the other does not. Paid plans start at 1/per $100 income for Hnry and Free for Zoho Expense.
- Does Hnry or Zoho Expense run on more platforms?
- Hnry runs on Web. Zoho Expense runs on Web, iOS, Android.
- Can I use Zoho Expense for free?
- Yes. Zoho Expense 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 Zoho Expense is typically brought in for.
- What can Hnry do that Zoho Expense cannot?
- Zoho Expense covers Receipt OCR, Corporate card reconciliation, Per diem and mileage, Approval workflows.
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.
SourceZoho Expense: Is the free plan usable in production?
Only for three users. Beyond that you move to Standard, which has a three user minimum anyway.
Hnry: Are there joining fees for Hnry?
No, Hnry has no joining fees, upfront payments, or credit card required to sign up.
SourceZoho Expense: Does Zoho Expense issue corporate cards?
No. It reconciles card feeds but does not issue cards, so you need a card programme elsewhere if you want spend blocked before it happens.
Hnry: Is the Hnry fee tax deductible?
Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.
SourceZoho Expense: What is the real cost for a hundred users?
Around three thousand six hundred dollars a year on Standard annual billing, plus higher monthly rates for any additional occasional claimants beyond your licensed count.
Related pages
More on Zoho Expense
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