| Where your records live | On your own computers, in a folder you can open, copy and back up. | In your 2Fin cloud account, encrypted at rest. |
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| Sync | Between your PCs, through a folder you choose, such as OneDrive, Dropbox, Google Drive or a USB stick. Sealed with one passphrase, so the folder’s owner cannot read it and 2Fin is not in the path. On every plan. | Automatic, across every device you sign in on, your phone included. |
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| Works offline | Yes. Everything you do with your own records works without a connection. | No. The web app needs an internet connection. |
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| Devices | Windows 10 and 11 PCs, including ARM machines. macOS and Linux to follow. | Any modern browser on a phone, tablet or computer. |
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| Fin’s intelligence | Through 2Fin’s privacy relay, which masks account and card numbers, emails and long reference codes before anything is sent. Or use your own provider key, or a local model that keeps every answer on your PC. | Built into your account: chat with Fin on every plan, and automatic categorising on paid plans. |
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| Bank feeds | Connect a BankSync or SimpleFIN account you hold, read-only, or a personal bank token such as Up Bank. CSV import works too. | Connect a BankSync or SimpleFIN account you hold, read-only. CSV import works too. |
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| Price and plans | Free, with no account. A paid plan is bought from a 2Fin account and unlocks when you link the app; a few extras that need a server, such as email receipts, are web-only. | Free to start. Premium is US$23 a month, ELITE+ is US$42 and AUTO+ is US$54, billed in US dollars. |
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