Smoko vs Hnry.
All-in-one tax + invoicing for sole traders.
Smoko
$249 once
lifetime · founders price
5-year cost: $249
Hnry
1% of every payment received
Capped at $1,500/year. Auto-deducts PAYE, ACC, KiwiSaver from each invoice.
5-year cost: $4,000 (at $80K/yr)
Hnry pros
- + Files GST and income tax for you
- + Pays IRD direct from invoices — no surprise tax bills
- + Decent invoicing UI
Hnry cons
- − 1% fee adds up — $80K turnover = $800/yr
- − Cap is $1,500/yr — high earners pay max
- − Locked into Hnry's bank account flow
- − Can't easily migrate out without losing tax history
Pick Smoko if…
You already understand GST and don't need an accountant-as-a-service. You'd rather keep that 1% in your pocket and pay $249 once.
Pick Hnry if…
You want zero financial admin and you're happy paying for the service. Hnry is genuinely useful for someone who hates anything tax-shaped.