Use cases
Intelligent money management, built for how you work
However you earn, 2Fin sorts your spending, surfaces the deductions you'd miss, and keeps you tax-ready. Find the version made for you.
On a payslip, with or without an ABN
Tax when you’re an employee — and when you’re both
Your employer already takes tax out of each pay. What is left to you is the part that gets forgotten: the work expenses, the receipts behind them, and whether a side business changes the number at the end. Fin flags the work-related spending as it lands and estimates the refund or the amount owing across everything you earn.
For employees
Work expenses found, your refund in view
For employees with a side business
One salary, one business, one tax estimate
One-person businesses
Expense tracking when the business is just you
Your income lands when it lands, and one card often pays for both the job and the groceries. Fin sorts each transaction the day it arrives, keeps business apart from personal, and flags what looks claimable — so the year adds itself up while you work.
For sole traders
One account, two lives, already sorted
For freelancers
Know what’s yours to keep, every month
For contractors
Every job costed by the time you’re home
For tradies
The glovebox receipts, already sorted
For creators
Every payout in one number, gear and all
For artists & musicians
The gig fee, the gear, the agent’s cut
For rideshare & delivery drivers
Every shift adds itself up
Businesses with books to keep
Bookkeeping that’s ready before anyone asks for it
Once there’s a team, a GST return or an accountant waiting on you, the books stop being a private matter. Fin keeps transactions categorised as they land, GST separated, and receipts attached to the lines they back — so whenever someone asks, the answer is already sitting there.
For small business
Month-end that’s already done
For growing businesses
One set of transactions, sliced every way that matters
For accountants and bookkeepers
Read-only client summaries, every read logged; year-end in one pack
Money in your own name
Budgeting when there’s no business in the picture
No invoices, no deductions to chase — just a balance that has to reach the end of the month. Fin sorts your spending on its own and shows you where it actually goes, so the decisions get easier and the habits stick.
See what the free plan coversMoney tied up in things you own
When the costs belong to a thing, not just to a month
A rental, a work ute, a second premises, a home with a room let out — each one quietly collects rates, repairs, interest and insurance from every corner of your accounts, and a category total blends them the moment you hold two. Give the thing its own place in Fin and the costs add up against it, divided between the rented, business and private parts, while every transaction keeps the category it already had.
See what a property costs to holdHow it works, whatever you do for a living
The setup is the same whether you invoice clients, run a team or just want your own money to make sense.
Bring your transactions in
Connect a bank feed, import a CSV or PDF statement, or forward receipts by email. Read-only either way — Fin never needs the ability to move your money.
Fin sorts them as they land
Each transaction is categorised the day it arrives, with business kept apart from personal, so nothing waits for a catch-up session at the end of the quarter.
Claimable spending gets flagged
Anything that looks deductible for the way you work is surfaced with the receipt attached to the line it backs, while the year is still fresh enough to check.
Export whenever someone asks
A tax-ready summary with the GST separated and the receipts included — for your own return, your BAS, or the accountant waiting on your year.
Choosing, answered
Questions people ask before they pick a page
- I’m employed and also a sole trader — which page applies?
- The employee-and-sole-trader page: it is written for exactly that year. 2Fin is built for employees, sole traders and people who are both: each transaction, and each line of a split payment, is tagged business, work-related or personal, so your job’s claims and your business’s claims stay apart in one account, and — in Australia, the UK, Canada and India — one estimate covers your salary and your business profit together. If the side income comes from content or platform payouts, the creators page covers the gear and the multi-platform side.
- Are these different products, or one product described different ways?
- One product. Every page here runs the same 2Fin — the same categorisation, deduction flagging and tax-ready export — described for one way of earning, so you can see what it does with your kind of transactions. Nothing is switched off on the “wrong” page, and the free plan adapts as your situation changes, so starting from one page never locks you in.
- I don’t run a business at all — is this still for me?
- Yes. The students page is the personal-budgeting version: no invoices, no deductions to chase, just spending sorted automatically so you can see where the month goes. The same free plan applies, with the tax features simply sitting unused until the day you need them.
- Does the setup change depending on which page I’m on?
- No. Bring transactions in, let Fin sort them as they land, have claimable spending flagged, export when someone asks — those four steps are the same for a tradie, a growing business or a student. What differs is what Fin looks for: an ABN holder gets deductions flagged, a business with staff gets GST kept separate for BAS, a student gets a budget that is still standing in week four.
- Can I start without connecting my bank?
- Yes. A bank feed is a choice rather than a requirement: you can add transactions yourself, and every plan also takes statement uploads, and AUTO+ takes receipts forwarded by email. When you do connect one it is read-only — Fin can see transactions but never move money.
- I’m an accountant or bookkeeper — is there a page for me?
- The “businesses with an accountant” page is the closest, and it is written from your client’s side of the handover: what the tax-ready export contains, how receipts get matched, and what still has to come from them — asset purchases and last year’s return. If you want clients organised before they reach you, that is the page to send them.
Did you know?
Since September 1999 individuals who hold an asset for at least a year pay CGT on only half the gain — a 50% discount that replaced cost-base indexation. Companies get no discount; super funds get one-third.
Wikipedia: the Howard government ended indexation in September 1999 and 'introduced a 50% discount on the capital gain for individual taxpayers'; 'If an asset is held for at least 1 year then any gain is first discounted by 50% for individual taxpayers'; 'The 50% CGT discount is not available to companies'; superannuation funds 'are entitled only to a 33% CGT discount'.
Singapore has no capital gains tax: IRAS says gains from selling property, shares and financial instruments 'are generally not taxable' — unless you are found to be trading, judged by frequency, motive and holding.
IRAS: 'Gains from the sale of a property, shares and financial instruments in Singapore are generally not taxable. However, gains from "trading in properties" may be taxable', with the factors being frequency of transactions, motive, financial means to hold long term and holding period.
