InvioInvio vs Hnry Which fits NZ sole traders?
Hnry is a fully managed tax service — it pays and files your tax for you, for 1% of your income. Invio is a simple invoicing app at a flat price, for people who already handle their own tax and just want a clean way to quote, invoice and get paid.
Free plan · Flat pricing · Keep your own bank
Two different tools, different needs
Invio and Hnry are fundamentally different products — the right choice depends on whether you want tax managed for you or just cleaner invoicing.
Choose Invio if…
You handle your own tax (or use an accountant) and just want simple, flat-price invoicing. You want to keep your own bank account, pay $0–$5/month, and get a clean way to quote, invoice, track payments and chase late payers.
Choose Hnry if…
You want your income tax, GST and ACC automatically calculated, paid and filed for you — without thinking about it. You are happy with the 1% fee (capped at $1,500/yr) and banking your self-employed income through a Hnry account.
Feature-by-feature comparison
| Feature | Invio | Hnry |
|---|---|---|
| Pricing model | Flat ($0 Free · $5/mo Pro) | 1% + GST of income (cap $1,500/yr) |
| Free to start | Yes ($0 plan) | No fee until you're paid, then 1% per payment |
| Keep your own bank account | Yes | No — income routes through a Hnry account |
| Invoices & quotes | Yes | Yes |
| GST-ready invoices | Yes | Yes |
| Automated payment reminders | Yes (Pro) | Yes |
| Pays your tax / GST / ACC | No | Yes (automatic) |
| Files your tax & GST returns | No | Yes (Hnry's accountants) |
| Works for limited companies | Yes (invoicing for any structure) | No (sole traders only) |
| Lead-capture widget | Yes (Growth plan) | No |
| Best for | Simple, low-cost invoicing | Hands-off, fully managed tax |
Hnry pricing and features shown are current as of June 2026 — check hnry.co.nz for the latest.
When Hnry is the better choice
If you want your tax completely handled — calculated, paid and filed — without thinking about it, Hnry does that and Invio does not. Hnry acts as your tax agent, automatically deducting income tax, GST and ACC from each payment you receive and having its accountants file your returns for you.
For self-employed people who find tax stressful or time-consuming, this is genuinely valuable. Invio is invoicing-first — it helps you quote, invoice, track payments and chase late payers, but it leaves your tax arrangements entirely in your hands. If you want tax off your plate entirely, Hnry is the right tool.
Price isn’t the only comparison
Hnry’s 1% fee scales with your income — roughly $500/year at $50,000 income, hitting the $1,500/year cap around $150,000 income. Invio is a flat $0 to start and $5/month ($60/year) for Pro.
But this is not a like-for-like comparison. Hnry’s fee includes full tax payment and filing that Invio doesn’t offer. If you’re already paying an accountant and just want cheaper invoicing, Invio is likely the lower-cost option. If you’d otherwise pay an accountant to file your returns, Hnry’s total cost may be competitive. Compare on what you actually need, not price alone.
Why choose Invio
If you already handle your own tax and just need clean, affordable invoicing, Invio is built for you.
Flat, predictable pricing
$0 to start, $5/month for Pro. No percentage of your income, no surprises as your revenue grows. You always know exactly what you’re paying.
Keep your own bank and accountant
Your income flows into your own account as always. Invio never touches your banking. Work with any accountant you choose — Invio just handles the invoicing layer.
Dead-simple invoicing, free to start
Quotes, GST-ready invoices, payment tracking, automated reminders, and a Lead Capture widget — without accounting-suite complexity. Start free, upgrade when you’re ready.
Common questions about Invio vs Hnry
Is Invio a tax service like Hnry?
How does the cost compare?
Do I have to change banks to use Invio?
Can I use Invio if I have a company, not a sole trader?
Want an all-in-one tax + invoicing tool instead? Read Invio vs Solo.