Hnry

Hnry offers a financial administration platform specifically designed for sole traders, including freelancers, contractors, and individuals engaged in the gig economy. The company was founded in Wellington, New Zealand, in 2016 by the husband-and-wife team James and Claire Fuller. The idea stemmed directly from their own experiences as self-employed individuals struggling with the complexities of tax and financial administration, which led them to create a spreadsheet-based system to manage their obligations. Realizing others faced the same challenges, they launched Hnry in 2017 to automate and simplify these processes for a wider audience.

The core of Hnry's service is a dedicated bank account provided to each user. Clients pay their income into this account, and the platform automatically calculates and deducts all relevant taxes and levies—such as income tax, GST, and contributions to programs like ACC in New Zealand or Medicare in Australia—in real-time. The remaining after-tax income is then immediately transferred to the user's personal bank account. This pay-as-you-go system is designed to prevent the accumulation of a large, unexpected tax bill at the end of the financial year. The business generates revenue by charging a 1% fee on the self-employed income paid into the user's Hnry account, with this fee being capped annually. This pricing model includes the filing of all necessary tax returns by Hnry's in-house team of accountants at no extra charge.

Beyond tax automation, the platform provides a suite of tools to manage financial admin. Users can send invoices, track and raise business expenses by uploading receipts, and generate financial reports. Hnry also offers a debit card that allows users to make business purchases directly from their Hnry account, automatically logging them as expenses. The service combines this technology with on-demand support from a team of accountants who are available to answer user questions. Since its inception, Hnry has expanded its operations from New Zealand to Australia in 2020 and launched in the United Kingdom in early 2025. The company has secured significant funding to fuel its growth, including a Series B round of $35 million in January 2023. Keywords: sole trader tax, freelancer accounting, contractor tax software, self-employed finances, gig economy accounting, automated tax payments, invoice and expense tracking, tax filing service, financial admin automation, pay-as-you-go tax, Hnry, James Fuller, Claire Fuller, New Zealand fintech, Australian fintech, UK fintech, accounting for self-employed, automated tax deductions, digital accountancy, sole trader business tools, expense management app