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      • Comparisons >
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    • Cryptocurrency >
      • Reviews >
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      • Guides >
        • How to Buy Bitcoin in New Zealand
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        • Other Coins >
          • How to Buy Ripple in New Zealand
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  • Loans & Finance
    • Car Finance >
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    • Credit Scores & Interest Rates >
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      • Buy Now Pay Later Apps >
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  • Insurance
    • Car Insurance >
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      • Reviews >
        • Tower Car Insurance Review
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        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
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      • Health Insurance
      • Income Protection Insurance >
        • ACC vs Income Protection Insurance
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        • Funeral Costs
  • Credit Cards
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      • ANZ vs AMEX vs Kiwibank vs Westpac Platinum Airpoints Credit Cards
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    • Reviews >
      • American Express Credit Cards Review >
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      • Pay Off Credit Card Debt
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    • Other Credit Cards >
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  • Banking & Savings
    • Banking >
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    • Reviews >
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  • Mortgages
    • Mortgage Essentials >
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    • Alternative Mortgage Options >
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      • Pay Off Your Mortgage Faster
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    • Mortgage Brokers >
      • Mortgage Brokers Explained
      • Mortgage Brokers - Auckland
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    • Buying a Home >
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      • Average Building Cost Per Square Metre
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  • KiwiSaver
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      • Contributions >
        • How to Check Your KiwiSaver Contributions
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      • SuperLife Review
  • Business
    • Business Essentials >
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    • Online Services >
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      • Digital Identity Programs and Online Verification Tools
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      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
    • For Startups >
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
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    • Education >
      • What to Study in 2023
      • Alternative Study Providers
      • School Holidays 2022
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  • Motoring
    • Buying and Selling a Car >
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      • Top Cars that Hold Their Value
      • Vehicle Leasing
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      • 20 Ways to Make Driving Cheaper
      • Parking Tickets
      • AA Membership Review
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      • Best Electric Cars
    • Warrant of Fitness >
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
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      • How to Improve Your LinkedIn Profile
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      • Redundancy Payouts and Entitlements
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      • Self-Employment Guide
      • Workplace Bullying
    • Recruitment Agencies >
      • Recruitment Agencies Auckland
      • Recruitment Agencies Wellington
      • Recruitment Agencies Christchurch
  • Broadband
  • Power
    • Compare Power Companies
    • How to Lower Your Power Bills
    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Power Companies >
      • Contact Energy Review
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Frank Energy Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Energy Review
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      • Nova Energy Review
      • Powershop Review
      • Pulse Energy Review
      • Trustpower Review
  • Financial Independence
    • FIRE Guides >
      • Retirement in a Nutshell
      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
      • Achieving Financial Independence, Faster
    • FIRE Tools >
      • Budgeting Apps
      • Free Financial Literacy Classes
      • Free Financial Products
      • 50/30/20 Budget Calculator
      • Budget Planner
    • Tax >
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
    • Money Tips >
      • Teaching Kids About Money
      • Single Parenting and Money
      • How to Protect Your Finances from Inflation
      • Tips for Families on a Single Income
      • 20 Ways to Save LOTS on Household Bills
      • Side Hustles
      • Lending Money to Friends & Family
  • Better Living
    • Food & Grocery >
      • My Food Bag vs HelloFresh vs WOOP vs Bargain Box Comparison
      • HelloFresh Review
      • My Food Bag Review
      • Bargain Box Review
      • Woop Review
      • Online Supermarkets
      • Save Money on Food
      • Supermarket Christmas Clubs >
        • New World Christmas Club Review
        • PAK'nSAVE Christmas Club Review
        • Countdown Christmas Club Vouchers
      • Coupons & Deals >
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        • Best Netflix Movies
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      • Amazon Prime Video Review >
        • Best Amazon Prime Movies
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      • Disney+ Review
      • Apple TV+ Review
    • Consumer Rights >
      • How to Get a Refund, Repair or Replacement
      • What To Do If You Do NOT Receive Your Refund
      • The Complete Guide to Renting in New Zealand
    • Free Samples
    • Make Money Online
    • Paid Survey Websites Review
    • Nielsen Homescan Review
    • Nielsen Digital Voice Review
    • Valued Opinions Review
    • Opinion World Review
    • Triaba New Zealand Review
    • Rewardia New Zealand Review
    • School Holiday Activities >
      • Auckland School Holiday Activities
      • Wellington School Holiday Activities
      • Christchurch School Holiday Activities
    • 65+ Best Online Shopping Websites in New Zealand
    • Shoe Size Conversion Guide
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    • New Zealand Fashion Designers
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    • Black Friday New Zealand Deals
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      • Best Fridge Freezers
      • Best Mattresses
      • Best Ride-On Lawn Mowers
      • Best Pressure Cookers
      • Best Lawn Mowers
    • Blinds, Curtains and Drapes Auckland
    • Bathroom Renovations Guide
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    • Wedding Budget Calculator
    • Trade Me Selling Tips
    • Prezzy Cards
    • Health & Personal Care >
      • Weight Loss Shakes
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      • Jenny Craig Review
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    • Grammarly Review
    • Moving to New Zealand
  • Trade & Professional Services
    • Auckland Trade & Professional Services >
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      • Cabinet Makers Auckland
      • Car Detailing Auckland ​
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      • Cattery Auckland
      • Chimney Sweep Auckland
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      • Cleaners Auckland
      • Computer Repair Experts Auckland
      • Concreters Auckland
      • Dentists Auckland
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      • Dog Daycare Auckland
      • Dog Grooming Auckland
      • Dry Cleaners Auckland
      • Electricians Auckland
      • Eyelash Extensions Auckland
      • Firewood Auckland
      • Flooring Companies Auckland
      • Fridge Repair Auckland
      • Garage Door Repair Auckland
      • Glaziers Auckland
      • Graphic Design Auckland
      • Gutter Cleaning Auckland
      • Gym Memberships Auckland
      • Hair Salons Auckland
      • Heat Pump & AC Specialists Auckland
      • Home Security Systems Auckland
      • Korean BBQ Auckland
      • Land Surveyors Auckland
      • Landscapers Auckland
      • Lawn Mowing Services Auckland
      • Locksmiths Auckland
      • Mechanics Auckland
      • Makeup Artists Auckland
      • Naturopaths Auckland
      • Optometrists Auckland
      • Painters Auckland
      • Panel Beaters Auckland
      • Personal Trainers Auckland
      • Pest Control Auckland
      • Plumbers Auckland
      • Podiatrists Auckland
      • Puppy School Auckland
      • Roofing Auckland
      • Scaffolding Auckland
      • Screen Printing Auckland
      • Solar Panels Auckland
      • Quality Tyres Auckland
      • Wedding Car Hire Auckland
      • Wedding Celebrant Auckland
      • Wedding Photographers Auckland
      • Wedding Videographers Auckland
      • Window Tinting Auckland
    • Wellington Trade Services >
      • Arborists Wellington
      • Bathroom Renovations Wellington
      • Builders Wellington
      • Building Inspectors Wellington
      • Car Detailing Wellington
      • Catering Wellington
      • Cattery Wellington
      • Dog Boarding Kennels Wellington
      • Dog Daycare Wellington
      • Dog Grooming Wellington
      • Firewood Wellington
      • Glaziers Wellington
      • Gym Memberships Wellington
      • Heat Pump & AC Specialists Wellington
      • Lawn Mowing Services Wellington
      • Mechanics Wellington
      • Panel Beaters Wellington
      • Personal Trainers Wellington
      • Pest Control Wellington
      • Plumbers Wellington
      • Puppy School Wellington
      • Roofing Wellington
      • Wedding Photographers Wellington
    • Christchurch Trade Services >
      • Arborists Christchurch
      • Bathroom Renovations Christchurch
      • Builders Christchurch
      • Building Inspectors Christchurch
      • Car Detailing Christchurch
      • Catering Christchurch
      • Cattery Christchurch
      • Dog Boarding Kennels Christchurch
      • Dog Daycare Christchurch
      • Dog Grooming Christchurch
      • Firewood Christchurch
      • Glaziers Christchurch
      • Gym Memberships Christchurch
      • Heat Pump & AC Specialists Christchurch
      • Lawn Mowing Services in Christchurch
      • Mechanics Christchurch
      • Panel Beaters in Christchurch
      • Personal Trainers Christchurch
      • Pest Control Christchurch
      • Plumbers Christchurch
      • Puppy School Christchurch
      • Roofing Christchurch
      • Wedding Photographers Christchurch
    • Hamilton Trade Services >
      • Arborists Hamilton
      • Bathroom Renovations Hamilton
      • Builders Hamilton
      • Building Inspectors Hamilton
      • ​Car Detailing Hamilton
      • Catering Hamilton
      • Cattery Hamilton
      • Dog Boarding Kennels Hamilton
      • Dog Daycare Hamilton
      • Dog Grooming Hamilton
      • Glaziers Hamilton
      • Gym Memberships Hamilton
      • Heat Pump & AC Specialists Hamilton
      • Lawn Mowing Services Hamilton
      • Mechanics Hamilton
      • Panel Beaters Hamilton
      • Personal Trainers Hamilton
      • Pest Control Hamilton
      • Plumbers Hamilton
      • Puppy Schools Hamilton
      • Roofing Hamilton
    • Tauranga Trade Services >
      • Arborists Tauranga
      • Bathroom Renovations Tauranga
      • Builders Tauranga
      • Building Inspectors Tauranga
      • ​Car Detailing Tauranga
      • Catering Tauranga
      • Cattery Tauranga
      • Dog Boarding Kennels Tauranga
      • Dog Daycare Tauranga
      • Dog Grooming Tauranga
      • Glaziers Tauranga
      • Gym Memberships Tauranga
      • Heat Pump & AC Specialists Tauranga
      • Lawn Mowing Services Tauranga
      • Mechanics Tauranga
      • Panel Beaters Tauranga
      • Personal Trainers Tauranga
      • Pest Control Tauranga
      • Plumbers Tauranga
      • Roofing Tauranga
    • Dunedin Trade Services >
      • Builders Dunedin
      • Building Inspectors Dunedin
      • Car Detailing Dunedin ​
      • Catering Dunedin
      • Firewood Dunedin
      • Gym Memberships Dunedin
      • Heat Pump & AC Specialists Dunedin
      • Mechanics Dunedin
      • Panel Beaters Dunedin
      • Personal Trainers Dunedin
      • Plumbers Dunedin
      • Wedding Photographers Queenstown
    • Lower Hutt Trade Services >
      • Builders Lower Hutt
      • Catering Lower Hutt
      • Mechanics Lower Hutt
      • Panel Beaters Lower Hutt
      • Plumbers Lower Hutt
    • Napier and Hastings Trade Services >
      • Building Inspectors Napier and Hastings
      • Heat Pump & AC Specialists Napier and Hastings
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Hnry Review

We review Hnry, the service that files all taxes for contractors, freelancers, sole traders and company directors. In our review, we look at the features, costs, pros and cons and alternatives to Hnry regarding tax services for the self-employed.

Hnry Review NZ
Updated 1 April 2022
Hnry in a Nutshell:
  • Hnry is an online accountant and invoicing app that pays tax, ACC and all other gross deductions on your behalf. The app also organises your income into reports, lets you send invoices and quotes, and lodge/claim back expenses against your income.
  • Unlike many accountants who charge on an hourly or report basis, Hnry is a pay-as-you-go service with a variable fee based on how much you earn in self-employed income. You'll pay 1% + GST on every $100 you earn, up to $1,500+GST per year. Those who earn more than $150,000 in a year will not get charged more than $1,500 in Hnry fees.
  • Hnry is interactive and customer-focused - support is offered via online chat, email and phone.
  • Hnry users can utilise the app to send invoices to clients, log expenses, access payslips and send quotes to current and potential clients. Everything is done online, thus avoiding the need for Excel, Word and any other offline tools.

Who uses Hnry?
  • Hnry is designed exclusively for independent contractors, freelancers, and sole traders who want an easy-to-use and low-cost accounting service that eliminates the risk of underpaying taxes and other obligations. Hnry is the only service (that we know of) that automatically pays taxes for sole traders.

The process of payment to bank deposit is simple:
  1. When you sign up to Hnry, you get given your very own Hnry Bank Account (operated by ASB).
  2. Clients pay into your Hnry bank account. 
  3. Whenever you get paid, Hnry deducts the correct amount of income tax, GST, ACC levies, KiwiSaver contributions and any other deductions such as student loans, child support and other obligations.
  4. Once all deductions are finalised, Hnry pays whatever is left into your personal bank account. It sends you an email to tell you you've been paid.
  5. On a normal weekday, the standard process from Hnry detecting you've been paid to being paid net of deductions takes around four to six hours during business hours. For example, if a client pays you at 10am and it appears in your Hnry bank account at 12pm, Hnry should have your money in your bank account by 5pm or 6pm. This is the longest a payment will take on a weekday. Payment times vary from bank to bank, so it depends who you bank with and what their processing times are.

To explain what you need to know about Hnry, our guide outlines:
  • Hnry Costs, Pros, Cons and Alternatives
  • Hnry's Added Features and Abilities
  • Frequently Asked Questions
  • Concluding Comments

Important - This guide does not offer tax advice, nor does it attempt to give guidance about anything specific to your personal tax situation. Instead, we review the pros, cons, features, costs and alternatives of the Hnry app.

MoneyHub Founder Christopher Walsh shares his experience with Hnry:

"I have used Hnry for two tax years and have nothing but positive experiences. I am happy to forgo 1% of my income (up to a total cost of $1,500 a year) to use such an intuitive, easy-to-follow service that makes tax effortless. Best of all, if you're a middle or high earner, you'll likely get around 33% of Hnry's fee back every year in your tax return (given it's a business expense).

Hnry has proven reliable, attentive and helpful in all interactions I've had with their team. In addition, Hnry allows me to focus on MoneyHub (research, writing, updating, and talking with our team) rather than worrying about completing tax returns, making ACC payments, provisioning tax, and many other things.

At any time, I can log in and see my income reports, which I value. I also see a few MoneyHub contractors (who are Hnry users) sending invoices using the app. Paying them is effortless too, so I believe Hnry solves the hassles of tax for anyone self-employed, freelancing or earning a second or third income".
MoneyHub Founder Christopher Walsh
MoneyHub Founder
Christopher Walsh


Visit Hnry to Learn More
Hnry Pros, Cons and Costs

Hnry Costs, Pros, Cons and Alternatives

Costs:
  • Transparent fees - you won't be hit with any bills; Hnry deducts its 1% fee on gross earnings before it pays you, so you'll never owe Hnry anything. In fact, at the end of the tax year, the Hnry fee will be deducted from your income as a business expense and you'll likely receive a tax credit.
  • Your clients can pay via credit card, debit card or internet banking, making the process of speeding up payments easier. You can connect Hnry to PayPal, Stripe, Payoneer and other payment apps. Additional fees apply for using these services (which are independent services from Hnry).

Pros:
  • Hnry is a registered tax agent of IRD and ACC and highly regulated. The app delivers speed, frictionless processes, regular new features and transparency.
  • Hnry offers a huge range of features that make it an "all in one" solution.
  • Hnry essentially operates as if you are a salaried worker in that you receive payslips net of income tax, GST, ACC, and other deductions and ensures there is no end-of-year tax lodging etc. The built-in invoicing makes it an all-in-one solution.

Cons:
  • We don't see too many; there is a charge for using the service (1% + GST of your income), which you can avoid if you manage your financial affairs via myIR.

Alternatives
  1. Manage your taxes in Xero: If you use Xero already for your business, you'll already be paying an ongoing subscription.However, we argue that there's a lot of effort required to manage your accounts correctly through Xero. Also, you're still on the hook for setting aside your tax money, paying it, and then filing your taxes at the end of each year.
  2. An offline accountant: This may be cheaper than Hnry depending on your tax needs, but an accountant won't send invoices, give you online access to payslips, a Profit and Loss report or other features offered by Hnry.
  3. Do-it-yourself tax: Many sole traders, freelancers and independent contractors file their taxes directly via myIR. If you're prepared to do it, there's no other cost but your time. However, if you get it wrong, you'll either overpay or underpay the IRD, both of which have financial consequences.

If you want to compare HNRY vs Xero, this guide and accompanying table (and the Hnry version) helpful walks you through each app's pros and cons.
Visit Hnry to Learn More

Hnry Review NZ

Hnry's Added Features and Abilities

Hnry is packed with features that make the process of day-to-day client invoicing and tax seamless. We've outlined what you need to know below:
Hnry Facts and Features

Quote Feature

Hnry helpfully lets you send quotes to clients and prospective clients, which are presented in PDF format. You can see a simple example here. Hnry lets you manage all of your live quotes in one place, and it allows you to convert quotes to invoices. The functionality is seamless and will appeal to anyone, even beyond freelancers and trade professionals. Hnry eliminates the need to send Excel-format quotes while keeping track of your leads and potential client wins.
Hnry Facts and Features

Invoice Feature

Hnry lets you create and send invoices to your clients; you can add your business logo and details, outline fees, expenses and everything you need to arrive at the amount due. You can also insert the due date and payment options. Any relevant client reimbursements will be automatically added to invoices you create - there's no need to add them manually as Invoice lines. You can see a simple example here.

Hnry's Services
To make quotes and invoice preparation quicker, Hnry's Services function lets you create a list of everything you sell with a description and a price for each. You can name these services or goods whatever you like.

Hnry also chases your unpaid invoices on your behalf, which helps you get paid faster. It also prevents you from having those awkward conversations with your clients - the Hnry reminder emails are templates but we argue they are polite and professional.

Important: Every time your clients pay, the money is received into your Hnry bank account, which means you'll promptly receive the net amount after income tax, GST, ACC, and other deductions such as student loan and KiwiSaver contributions. This eliminates the need to put aside money for tax and other obligations, which is at the heart of what Hnry does.
Hnry Facts and Features

Client management

Hnry lets you manage the clients or organisations who will pay invoices into your Hnry account. This lets you keep track of all your clients (current and previous) and quote/invoice in seconds when needed. The client management tool acts as your all-in-one customer index.
Hnry Facts and Features

Payslip records

Hnry shows you all the payments you've received, i.e. people or organisations who pay into your Hnry bank account. You can see an example of what this looks like here. Individual payslips appear in this format.
Hnry Facts and Features

Expenses and purchases filing

Hnry's Expenses and purchases feature lets you record your business expenses and client reimbursements so you can get the right tax relief immediately. Hnry's service also identifies assets and depreciation for you automatically.

Hnry helps you distinguish between business expenses and client reimbursements:
  • Business Expenses are expenses incurred in the course of your business activities.
  • Client Reimbursements are purchases that you have made in the course of working for a Client, that they have agreed to reimburse you for in full.
Hnry Facts and Features

Allocations

Hnry lets you set up automatic allocations to apportion your income every time you get paid. These options include KiwiSaver, secondary bank accounts, investments, charity donations and prior-period tax repayments, among others. This means that for every dollar you earn gross, a percentage will be directed to your allocation(s). For example:
  1. You set up an Allocation for 10% of your income to go into your KiwiSaver
  2. You then get paid $1,000 by one of your clients
  3. Hnry automatically deducts and pays the exact right amount of all your taxes (in this example, let's estimate that at 25%, so $250 will be deducted for tax)
  4. $100 would then be transferred through to your KiwiSaver automatically (10% of $1,000)
  5. The remaining $650 would be transferred through to the personal bank account Hnry sends money to.

The allocations feature is there to make it easier for you to plan and save for your future - helping you meet your financial goals. Hnry's allocation feature lets you set up automatic payments for paying rent and utility bills and whatever else you need to do every time you get paid. Hnry lets you allocate up to 45% to one or many investment platforms - it's currently integrated with Sharesies, Simplicity KiwiSaver, Booster, Hatch, KiwiSaver, Kernel Wealth and kōura. Keep in mind, if you allocate to "KiwiSaver", the money will be remitted to the IRD and take up to 30 days for the IRD to credit it to your KiwiSaver fund. Recent reports of payment delays suggest it may be a better idea to make a voluntary contribution to your KiwiSaver provider directly via your bank account.
Hnry Facts and Features

Alternative Income Sources

To make sure you're paying the right amount of tax, Hnry requires you to enter the details of all your sources of income not paid through Hnry. For example, if you have a salaried job and use Hnry for additional income, you'll need to enter the details so you're taxed correctly. Hnry then takes over as your tax agent and ensures your end-of-year tax filing is as accurate as possible. This feature is designed to solve hassle and uncertainty.
Visit Hnry to Learn More

Hnry FAQs

Frequently Asked Questions

Hnry continues to launch new features and tools; our frequently asked questions below anticipate what's important. If there's something we've missed you'd like answered, please contact our research team.

Does Hnry offer an app?

Yes - Hnry offers an Apple app and an Android app.

If I need help, can Hnry offer support?

Yes - Hnry's support team will explain and answer questions from their customers. There is no additional charge for this - all support is included in the fixed 1% + GST of income fee Hnry deducts on every payment you receive.

Can I use Hnry if I'm a shareholder of a company?

Yes - Hnry lets company directors take Director Drawings via its service. This means if you're a shareholder and drawdown payment, you can use Hnry to deduct your income tax etc. to send you the right net amount to your personal bank account.

Can I use Hnry's reporting as proof of income for a loan or mortgage?

We asked Hnry about this - there response was "you can use Hnry's reporting for proof of income for a loan or mortgage. Although this is up to the bank whether or not they accept it".
Visit Hnry to Learn More

Hnry Conclusion

Concluding Comments

  • Hnry is designed to give self-employed freelancers and contractors the confidence that all of their taxes are taken care of legitimately for a fixed 1% + GST fee on all income earned (the fee is capped at $1,500)
  • If you don't understand something or need a question answered, Hnry's support team can help via phone, email and online chat. Best of all, there are no additional costs for this support (compared to accountants who may often charge you for the time they spend with you).
  • Hnry costs nothing to sign up to, and you'll only pay its (transparent) 1% + GST fee when you receive income. This makes it a no-fee/no-risk service which is unique in the accounting/personal taxes industry.
  • Hnry's features continue to expand - being able to invoice clients directly, manage quotes, set income/savings allocations and have everything accessible in an online portal and app are unrivalled features that make Hnry a very strong offering.
  • More details: Visit Hnry
Visit Hnry to Learn More

Related product reviews and guides:
  • Beginner's Guide to Tax in New Zealand
  • Business Loans
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  • Business Insurance
  • Business Credit Cards
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Cash flow:
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Business formation and succession:
  • How to Start a Business in New Zealand
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