# Alternatives to Hnry

> Source: https://tickmarkbooks.com/hnry/alternatives (re-verified)
> Updated: 7 November 2026

## At a glance

| Name | Best for | Starts at | A month at 100 transactions | Better than Hnry at | Checked |
| --- | --- | --- | --- | --- | --- |
| [Hnry](https://tickmarkbooks.com/hnry.md) | New Zealand sole traders who want tax paid as they earn | From about $0.56 per percent of self employed income | Quote only | — | 6 November 2026 |
| [Zeni](https://tickmarkbooks.com/zeni.md) | U.S. startups that want AI bookkeeping and a dedicated finance team | From $549 a month | Quote only | Promotion and regular price, Catching up past months | 6 November 2026 |
| [Sage Accounting (US)](https://tickmarkbooks.com/sage-accounting.md) | VAT-registered sole traders and small firms up to 49 employees wanting payroll built in | From about $27 a month | No longer sold | Promotion and regular price, Reconciles your accounts | 3 November 2026 |
| [FreeAgent](https://tickmarkbooks.com/freeagent.md) | UK sole traders and small limited companies filing their own VAT and Self Assessment | From about $26 a month | About $26 | Promotion and regular price, Reconciles your accounts | 6 November 2026 |
| [SimpleAI](https://tickmarkbooks.com/simpleai.md) | Accounting firms and finance teams processing high volumes of invoices and bank statements | From $79 a month | $106 | Reconciles your accounts, Reads receipts and bills | 7 November 2026 |
| [Zoho Expense](https://tickmarkbooks.com/zoho-expense.md) | US finance teams reimbursing employee travel and card spend alongside QuickBooks or Xero | Free, then $4 a seat a month | Does not apply | Promotion and regular price, Reads receipts and bills | 27 October 2026 |
| [Zoho Books](https://tickmarkbooks.com/zoho-books.md) | Small businesses and startups that want one ledger plus the wider Zoho app suite | Free, then $20 a month | $20 | Reconciles your accounts, Reads receipts and bills | 26 October 2026 |
| [Wave](https://tickmarkbooks.com/wave.md) | Freelancers, contractors and solo owners who want simple books and invoicing | Free, then $19 a month | $19 | Reconciles your accounts, Reads receipts and bills | 7 November 2026 |
| [FreshBooks](https://tickmarkbooks.com/freshbooks.md) | Service businesses and freelancers who bill clients and want their books in the same place | From $23 a month | $43 | Promotion and regular price, Catching up past months | 6 November 2026 |
| [Inkle](https://tickmarkbooks.com/inkle.md) | US-incorporated startups and foreign founders needing books and US filings together | Free, then $30 a month | $0 | Reconciles your accounts, Bank and card feeds | 7 November 2026 |

“About” figures are converted at the European Central Bank rate of 10 November 2026.

The ones people open most here come first, then the closest matches.

## Shortlist

### 1. Zeni

AI bookkeeping for startups that runs on QuickBooks Online Plus, with a dedicated finance team checking the work.

**Where it improves on Hnry:**
- [Promotion and regular price: partial — yearly shown monthly: no promotion is shown, but the page opens on annual billing at $494 a month (billed annually), against $549 a month under the Monthly link, which is still an annual contract.](https://www.zeni.ai/pricing)
- [Catching up past months: yes — Cleanup of the books is named as part of what the AI Accountant does, and past data is migrated during onboarding, but no price or scope for catching up months you are behind on is published.](https://www.zeni.ai/product/ai-bookkeeping)
- [Reconciles your accounts: yes — Zeni compares connected bank accounts against cleared balances and flags differences for correction.](https://www.zeni.ai/ai-accountant-agent/month-end-close)

**Trade-offs against Hnry:**
- [Ledger included: no — Zeni requires a separate QuickBooks Online Plus subscription to synchronize its dashboard.](https://www.zeni.ai/pricing)
- [Past your plan’s limits: partial — No transaction, account or spending allowance is published, and the vendor says its time is not metered; but because the plan you are placed on is set by expenses and revenue, growth moves you to a dearer plan rather than triggering an overage.](https://www.zeni.ai/pricing)
- [Setup or onboarding fee: yes — Zeni charges a $2,000 setup fee for CFO Lite and $6,000 for CFO Premium and Enterprise.](https://www.zeni.ai/pricing)

[View Zeni](https://tickmarkbooks.com/zeni)

### 2. Sage Accounting (US)

Sage's cloud ledger for US small businesses. Sage retired it on 31 December 2024, and access ended on 31 January 2025.

**Where it improves on Hnry:**
- [Promotion and regular price: yes — promotion: the headline price is a new-customer discount of 90% off for six months in the UK (GBP 2 then GBP 20) and 75% off for six months in Canada, after which the regular rate resumes.](https://www.sage.com/en-gb/sage-business-cloud/sage-accounting/)
- [Reconciles your accounts: yes — Bank and card accounts connect directly, transactions import automatically and reconciliation is a core feature of the cheapest plan rather than an upgrade.](https://www.sage.com/en-ca/sage-business-cloud/accounting/)
- [Bank and card feeds: yes — Bank and credit card accounts connect directly to the product and transactions import automatically for reconciliation; Canada's comparison table calls the bank feeds free.](https://www.sage.com/en-gb/accounting-software/)

**Trade-offs against Hnry:**
- [Past your plan’s limits: partial — Only one allowance carries a published overage: receipt and invoice captures cost GBP 0.20 each past the 30 or 100 included, and the pages state no policy for any other ceiling.](https://www.sage.com/en-gb/sage-business-cloud/sage-accounting/)
- [Files your tax return: partial — It calculates and submits VAT returns to HMRC from inside the product, but for the income tax return it only gathers and organizes the data so the user completes the Self Assessment themselves.](https://www.sage.com/en-gb/sage-business-cloud/sage-accounting/)
- [Other currencies: partial — Multi-currency banking, exchange rate updates and gain/loss reporting sit on the Plus plan only, which is the most expensive of the three tiers.](https://www.sage.com/en-ca/sage-business-cloud/accounting/)

[View Sage Accounting (US)](https://tickmarkbooks.com/sage-accounting)

### 3. FreeAgent

UK cloud accounting with HMRC filing, bank feeds and AI receipt capture, priced per business type.

**Where it improves on Hnry:**
- [Promotion and regular price: yes — promotion: every paid plan is advertised at 50% off for the first six months (or first year on annual billing), after which the regular published price applies.](https://www.freeagent.com/pricing/)
- [Reconciles your accounts: yes — A Bank Reconciliation report compares the FreeAgent balance with the bank statement balance for each account; you run and review it yourself rather than it closing the month for you.](https://support.freeagent.com/hc/en-gb/articles/7096372611346-Bank-Reconciliation-report)
- [Reads receipts and bills: yes — Photograph, share or drag in a receipt or bill and Smart Capture extracts the key data, suggests a category and attaches it to the matching bank transaction for approval.](https://www.freeagent.com/features/expenses/)

**Trade-offs against Hnry:**
- [Past your plan’s limits: partial — No transaction or account limit is published; the only stated cap is 10 Smart Capture receipts and bills a month, lifted by the £5 a month (about $6.71) Smart Capture Unlimited add-on.](https://www.freeagent.com/pricing/)
- [People check the books: no — Checking the AI is yours: Smart Capture ends with you approving each captured bill or receipt, and no plan includes a bookkeeper reviewing the books, only UK support accountants answering questions.](https://www.freeagent.com/features/expenses/)
- [Shopify: no — Its partner directory carries Stripe, PayPal, GoCardless, Tyl, SumUp, WooCommerce and a paid Amazon UK add-on, but no Shopify, Square or Gusto appear in any category of that directory.](https://www.freeagent.com/integrations/)

[View FreeAgent](https://tickmarkbooks.com/freeagent)

### 4. SimpleAI

AI agents that extract, classify and reconcile accounting documents, then publish them into Xero or QuickBooks.

**Where it improves on Hnry:**
- [Reconciles your accounts: yes — Reconciliation is on every published SAAM plan: it matches your transactions against bank feed entries and flags mismatches, and converts statements into reconciled, accounting-ready transactions.](https://simpleaiworks.com/en/solutions/accounting-automation)
- [Reads receipts and bills: yes — Receipts, invoices and bills are extracted and classified automatically and can be sent in from desktop, mobile or email; the reconciliation step is what matches the resulting entries to bank transactions.](https://simpleaiworks.com/en)
- [Bank and card feeds: partial — It does not connect to your bank itself: you upload or email statements in any format and the AI turns them into reconciled, accounting-ready transactions, then matches them against the bank feed entries in your ledger.](https://simpleaiworks.com/en/solutions/bank-extraction)

**Trade-offs against Hnry:**
- [Ledger included: no — SAAM is not the ledger: it extracts and classifies documents and then publishes entries into the accounting software you already pay for, so a Xero, QuickBooks or Accurate subscription sits on top of its price.](https://simpleaiworks.com/en/contact)
- [Sends invoices: partial — Sending invoices belongs to the other product lines, not SAAM: NOVA handles invoices and AR aging conversationally, and the e-Invoicing module issues Peppol invoices for Singapore, while SAAM only extracts AR documents.](https://simpleaiworks.com/en/solutions/nova)
- [People check the books: no — No bookkeeper of the vendor's checks the output: review sits with you inside the platform, and NOVA requires human approval before anything is committed to the records.](https://simpleaiworks.com/en/contact)

[View SimpleAI](https://tickmarkbooks.com/simpleai)

### 5. Zoho Expense

Travel, expense and corporate card management with Zia AI receipt capture, from $4 per user a month.

**Where it improves on Hnry:**
- [Promotion and regular price: partial — yearly shown monthly: the pricing page opens on the Yearly control, so the $3 and $5 per-user figures a visitor sees first are annual-billed rates, not the $4 and $6 month-to-month prices.](https://www.zoho.com/us/expense/pricing/)
- [Reads receipts and bills: yes — Photograph, forward by email or import a receipt and Zia extracts merchant, date, amount and line items, then matches it to the card transaction.](https://www.zoho.com/us/expense/expense-faqs/)
- [Bank and card feeds: partial — Real-time corporate card feeds from Visa, Mastercard, Amex and AirPlus pull transactions automatically in 12 countries; personal cards come in as statements, and there are no bank-account feeds.](https://www.zoho.com/us/expense/expense-faqs/)

**Trade-offs against Hnry:**
- [Ledger included: no — No ledger is included; Zoho Expense is a travel and expense system that pushes approved expenses into an accounting product you pay for separately.](https://www.zoho.com/us/expense/expense-faqs/)
- [Past your plan’s limits: partial — Past the monthly Autoscan allowance you keep working but lose the AI scan: expenses must be keyed manually or receipts uploaded for records until the cycle resets.](https://www.zoho.com/us/expense/pricing/)
- [Setup or onboarding fee: partial — No mandatory setup charge, but guided onboarding is sold as the Jumpstart add-on from $500 with a dedicated expert, integrations and training.](https://www.zoho.com/us/expense/expense-faqs/)

[View Zoho Expense](https://tickmarkbooks.com/zoho-expense)

### 6. Zoho Books

Cloud accounting ledger with Zia AI, bank feeds, sales tax and 1099 e-filing, from $20 a month.

**Where it improves on Hnry:**
- [Reconciles your accounts: yes — Bank and card accounts are reconciled inside the product, with matched and pending transactions in one view and reconciliation statements exportable as PDF per account and date range.](https://www.zoho.com/us/books/accounting-software/bank-reconciliation/)
- [Reads receipts and bills: yes — Receipts can be photographed in the mobile app, uploaded or auto-forwarded from an email inbox, and autoscans turn them into transactions within a plan-wise monthly scan allowance.](https://www.zoho.com/us/books/pricing/pricing-comparison.html)
- [Accrual books and reports: yes — Profit and loss, balance sheet and cash flow sit among 70+ built-in reports you can run at any time; the pages read do not state whether the books are kept on a cash or accrual basis.](https://www.zoho.com/us/books/accounting-software/accounting-financial-reports/)

**Trade-offs against Hnry:**
- [Past your plan’s limits: partial — Each plan caps annual invoices and bills/expenses (5,000 a year on Standard) and the vendor's stated remedy is to email sales for a higher limit rather than a published overage rate.](https://www.zoho.com/us/books/pricing/)
- [Stripe: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)
- [Shopify: partial — Stripe, PayPal, Square and Authorize.Net are supported payment gateways and Shopify stores connect on Elite and above (up to two)](https://www.zoho.com/us/books/pricing/pricing-comparison.html)

[View Zoho Books](https://tickmarkbooks.com/zoho-books)

### 7. Wave

Free double-entry books and invoicing, with bank import and receipt reading on a low-cost Pro plan.

**Where it improves on Hnry:**
- [Reconciles your accounts: yes — Wave reconciles accounts as part of its own workflow, and the paid bookkeeping service does the reconciling for you each month instead.](https://www.waveapps.com/accounting/nonprofit)
- [Reads receipts and bills: yes — Receipts can be photographed, uploaded from desktop or forwarded by email; Wave reads each one and creates a bookkeeping record, and receipt matching requires Pro (Starter can add receipts alone for $8 a month).](https://www.waveapps.com/receipts)
- [Accrual books and reports: yes — Double-entry books with accounts payable and receivable, and Pro generates profit and loss, balance sheet and cash flow reports; the pages read do not say whether reports switch between cash and accrual basis.](https://www.waveapps.com/pro)

**Trade-offs against Hnry:**
- [People check the books: partial — On the Starter and Pro software plans checking the automation is up to the owner; Wave Advisors bookkeeping adds an assigned in-house bookkeeper who categorizes and reconciles, from $149 a month billed annually.](https://www.waveapps.com/wave-advisors)
- [Stripe: partial — Shopify, Stripe and PayPal connect only through the Make.com automation service on Pro, with no direct connector and no mention of splitting out Stripe fees](https://www.waveapps.com/integrations)
- [Other currencies: partial — The mobile app lets you invoice in any currency, but Wave's own Xero comparison table marks 'Use multiple currencies' as not included on Pro, so accounts in other currencies are not offered.](https://www.waveapps.com/wave-app)

[View Wave](https://tickmarkbooks.com/wave)

### 8. FreshBooks

Double-entry small-business ledger built around invoicing, with a read-only Claude connector for questions.

**Where it improves on Hnry:**
- [Promotion and regular price: yes — promotion: the prices shown first are 80% off for four months for purchases made by November 16, 2026; after that the regular $23, $43 or $70 a month applies, and the offer excludes the free trial.](https://www.freshbooks.com/policies/buy-now-offer)
- [Catching up past months: yes — FreshBooks' bookkeeping service says its partners will clean up months you are behind on, but the price is quoted after a call rather than published.](https://www.freshbooks.com/bookkeeping)
- [Bank and card feeds: yes — Automated bank import is on every plan, including Lite, and the vendor says the account refreshes daily with recent spending once a bank or card is connected.](https://www.freshbooks.com/expenses-and-receipts-tracking)

**Trade-offs against Hnry:**
- [Past your plan’s limits: partial — The published ceiling is billable clients, not transactions: Lite stops at five and Plus at fifty, and you free a slot by deleting a client rather than paying an overage. No transaction or bank-account cap is published.](https://www.freshbooks.com/pricing)
- [Notice before a price rise: no — The terms promise no notice period: FreshBooks may change the fees at any time and says modifications take effect immediately once it emails you or posts a notice.](https://www.freshbooks.com/policies/terms-of-service)
- [People check the books: partial — Nobody checks the books on a software plan; review only comes if you buy the separate bookkeeping service, where partner bookkeepers categorize transactions and reconcile accounts for you.](https://www.freshbooks.com/bookkeeping)

[View FreshBooks](https://tickmarkbooks.com/freshbooks)

### 9. Inkle

US accounting software with AI categorization, plus bookkeepers, tax filing and compliance in one app.

**Where it improves on Hnry:**
- [Reconciles your accounts: yes — Bank reconciliation is listed even on the free Basic plan, and on the Monthly service the bookkeepers run the monthly reconciliations themselves.](https://www.inkle.ai/pricing)
- [Bank and card feeds: yes — Transactions stream in through direct API integrations with Brex, Mercury, Ramp and Stripe plus coverage of more than 10,000 US banks; refresh frequency is not stated.](https://www.inkle.ai/books)
- [Platforms: yes — web - the product runs in the browser at app.inkle.io and the vendor calls it one app for books, invoices and close; no page read names a Windows, Mac, iOS or Android app.](https://www.inkle.ai/books)

**Trade-offs against Hnry:**
- [What the price is based on: partial — The bookkeeping service is priced per business but scaled by monthly transaction volume and unstated 'complexity', so the published $49 is a floor rather than a rate card a buyer can price themselves.](https://www.inkle.ai/pricing)
- [Shopify: no — nothing on the pages read names Shopify, PayPal, Square or Gusto as connections.](https://www.inkle.ai/pricing)
- [PayPal: no — nothing on the pages read names Shopify, PayPal, Square or Gusto as connections.](https://www.inkle.ai/pricing)

[View Inkle](https://tickmarkbooks.com/inkle)