Every receipt sorted. Every deduction surfaced.

Switch the Budget view to Year and every category sits down the side with twelve months across, a total and a monthly average. The unusual month is shaded, a likely one-off gets a dot, and a net cash-flow chart sits underneath.

Any period against your own 3, 6 or 12-month average or the same period last year. Every category shows the difference in dollars and per cent, coloured by whether it is good news — and Fin sums it up in one line.

One month as the spreadsheet you used to keep by hand: a row per day, a column per category and your budget as the Estimate row. Arrow keys, range selection and a running sum — every cell totalled from your real transactions.

Every transaction on a calendar you can turn around, in six layouts — Calendar, Matrix, Skyline, Compare, Ahead and Year. Hover a category and it lights up across every day; click it and the list filters to match. On every plan.

A 3D expense terrain you can rotate and zoom, a map of how often your money moves and a cash-flow Sankey — on ELITE+, beside the 3D transaction calendar every plan gets.

A tax treatment on every category — GST on Income, GST-Free, Input Taxed, GST on Capital, BAS Excluded — so each transaction lands on the right label. The statement is a print-ready document with a provenance badge on every figure, Adjust-with-a-reason and an audit trail. Australia, NZ, UK, Canada, Singapore and India.

Add a depreciating asset straight from a bank transaction, choose prime cost or diminishing value, set the private-use share, and print the schedule — ATO effective lives in Australia, and the tax authority's own rules in the UK, US, Canada, India, New Zealand, Singapore and South Africa.

Add a property once with its rented, business and private shares and your ownership share, tie its strata, rates, insurance and loan interest bills to it, and every cost splits the way the property is used. Properties is a built-in lens on every plan, with each property as an entry; each property's Tax tab follows your country's form, with the write-offs and the schedule download on ELITE+.

Track working-from-home costs as an employee: Australia's fixed rate against your actual costs, side by side, with the costs already sorted from your bank lines — and the rules for the UK, US, Canada, NZ and India.

Import years of history without the page timing out — large imports process automatically behind the scenes, and statement uploads into buckets are on every plan. Having Fin categorise big batches in one action is Premium and up.

Ten real bank rows walked through the decision chain — the merchant Fin read, the category and how sure it was, whether it is deductible, the business-use share, and the reasoning in words. Including the rows where it was unsure.

A budget that keeps pace with you: set a limit per category, and each one projects where you will land from what you have spent so far, flags what is running ahead and suggests limits from your real spending. Weekly through yearly cycles, savings goals, and a meter for income you have not assigned yet. Free on every plan.

Start from a goal worth having. Foundations buy you room to breathe — a safety net, a debt-free day, a home deposit. Adventures are somewhere new, festival season or a small day out. Passions are the instrument or the course you keep meaning to start. Set your own target and date, or start blank, and top goals up from leftover income whenever you choose. Free on every plan.

Fin finds the bills, subscriptions and pay that repeat in your transactions, schedules your next payments, and alerts you in the app when one is late, missing, larger or smaller than usual. Free on every plan.

Fin puts your bills, pay days, the payments you are owed and the transfers between your own accounts on one list for the next 7 to 90 days, and links money you are owed when it lands. Free on every plan.

Keep the invoicing tool your clients already pay. Record or upload each invoice and Fin matches the payment when it lands; connect your assistant and it drafts the next invoice in your own tool. Free on every plan.

Group spending by project, client or cost centre and see cost of goods sold against your sales, so you know which work actually pays. Views are on the Elite and Auto plans.

2Fin Desktop for Windows keeps your books in a folder on your PC. It works offline, and no account is needed to start.

Nothing to install: use 2Fin on your phone, tablet or laptop, synced to your account. It installs from the browser like an app, in nine interface languages.

Keep your desktop, laptop and phone in step: each device keeps its own copy and reads one source you own, like a Drive sheet.

Run 2Fin and Fin on your own infrastructure — Docker Compose anywhere, or one CloudFormation stack in your AWS account. Your database, your encrypted volume.

A .finbak backup is sealed with a passphrase you choose, and opens on any computer when you want your books back.

curl -X POST …/api/integrations/v1/transactions
  -H "Authorization: Bearer $TOKEN"
  -H "Idempotency-Key: order-1042"
  -d '{"description":"Stripe payout",
       "primaryType":"income"}'

Connect your tools to 2Fin. Push transactions and expenses in from other systems through the Integrations API, with API keys on every plan and signed webhooks out — documented with an API reference and an OpenAPI file.

Model Context Protocol server lets assistants like Claude and Cursor work with your financial data in Fin — bank-feed transactions, manual entries, imports and API records — including what clients owe you and what is coming up.

Push your categorised transactions into your own Google Sheets, Excel, Notion or Airtable account — daily or on demand, with the category, tax treatment and receipt reference already attached. What goes across is your whole ledger: bank-feed transactions alongside what you entered, imported or captured from a receipt.