Money makes more sense when you can see its shape. 2Fin draws your transactions as a 3D calendar you can turn, a terrain of your categories, a map of how often your money moves and a flow of where it goes — and gives you a budget that keeps pace with you rather than judging you at the end of the month.
New · Cash flow
Switch the Budget view to Year and every category sits down the side with twelve months across, a Total and a Monthly average. Move the window a month or a year at a time, or export it as CSV.
Spending above a category’s usual month is shaded amber and below it light blue, and a likely one-off gets a dot. Tick one box to leave one-offs out of the average.
A chart of net cash flow by month sits under the sheet with your average marked. Months ahead show Fin’s forecast in italics and stay out of the totals, and transfers between your own accounts are never counted.
New · Compare
Any period against your own 3, 6 or 12-month average, with every difference coloured by what it means.
Pick the period, pick the yardstick
Last month, this quarter, this year or your own dates, against your last 3, 6 or 12 months on average or the same period last year. Every category shows the difference in dollars and in per cent.
Colour that means something
Bars grow either way from a centre line. Spending up is red; spending down or income up is green, so the colour tells you whether it is good news, not only which way it moved.
Fin says it in one line
A summary on top names the gap, the categories behind it and whether income moved too, the way you would say it out loud.
On the transactions page, on every plan. Choose a view — type, category, merchant, property, account, tax treatment or status — and every layout colours itself by it. Hover a group and it lights up across every day; click it and the list below filters to match.
The month as a grid of towers, each day’s height the money that moved, stacked by the view you choose.
Days along one side, categories, merchants or properties along the other — where the money went, and when, in one picture.
The days in a single row with your running net on the wall behind them.
This period against the last, day for day, with both running nets and what changed.
The next 30 days of bills, anything overdue at the front, and the running commitment behind.
Every day of the year in 3D: height for the day’s net, colour for how busy it was.
Each day shows the transactions behind it and its net, with today outlined, so a busy week reads before you add anything up.
Upcoming bills and pay sit faintly on the days they are due, so the rest of the month is already in view.
The same month opens as the 3D calendar whenever you want to see its shape rather than its numbers.
One month, a row per day and a column per category, with your budget as the Estimate row and a Total row underneath.
Arrow keys move the cursor, Shift or a drag selects a range, and the status bar sums whatever you select. Copy it straight into another sheet.
Every cell is summed from your real transactions, so the totals never go stale and Remaining is always your estimate minus what you spent.
A budget should move with your month, not wait to tell you how it went. Each category projects where you will land from what you have spent so far, says whether it is running ahead of pace or keeping money back, and suggests limits from what you actually spend — free on every plan. How budget allocations work.
On ELITE+, Insight+ turns your history into views built for spotting what changed — starting with this year beside last, and every headline figure against the period before it.
This year beside last, month by month, with the change over every month and an average line for each year.
Your categories across the months as a landscape you can rotate and zoom, so the rise of one cost stands out from the rest.
A 3D surface of how often your money moves, so the busy stretches stand out — with a flat heatmap where 3D is not available.
Where money comes from and where it goes, as flows you can highlight one at a time — bills and spending in their own colours.
The views are the visible part of one idea: your money should explain itself. How Fin decides.
Each category names where it came from — your rule, a learned pattern or Fin — so nothing is a black box.
What needs a decision arrives as a question with a one-tap answer: is this the payment, track this repeat, is this business.
Ask Fin, or Claude and ChatGPT through the MCP server, and get an answer from your own records.
Nine interface languages, a web app that installs from the browser, and a desktop app that works offline.
Interactive views, answered
The 3D calendar and budgets that keep pace are on the free plan.
