For contractors
Between jobs, materials and invoices, the admin stacks up fast. 2Fin keeps expense tracking for contractors effortless — sorting spending automatically, surfacing deductions, and keeping you tax-ready without the weekend paperwork.
Materials, tools, fuel and subcontractor costs are categorised automatically, so you can see what each job really costs you.
From equipment to vehicle running costs, deductible spend is surfaced so you keep more of every contract.
The admin runs in the background. Your books stay current automatically, so paperwork stops eating your downtime.
Pay contractors for building and construction, cleaning, courier, road freight, IT or security services and the ATO expects a Taxable Payments Annual Report. Flag the payee, record the ABN, and Fin prepares it with the columns the ATO asks for — ABN, name, address, gross paid including GST, GST, and anything withheld. You lodge it.
Plain-English guides to the deductions that come up most for work like yours — what usually counts, what usually does not, and the records worth keeping.
As a doctor you can generally claim your AHPRA registration, medical indemnity insurance, work-related self-education and CPD, and professional equipment.
As an aged-care or disability support worker you can generally claim uniforms and laundry, first-aid training, travel between clients, and required checks.
As a security guard you can generally claim your licence renewal, compulsory uniforms and laundry, required equipment, and first-aid training.
Engineering claims sit in two piles that behave very differently: the credentials that keep you registered, deductible year after year, and the degree that got you there, which never is.
The Medicare levy began at 1% of taxable income when Medicare launched in February 1984; it has since doubled to 2%, the last step taken on 1 July 2014.
Wikipedia: 'When Medicare was introduced by the Hawke Labor government in February 1984, it was accompanied by a Medicare levy to help fund it', set 'at 1% of personal taxable income', and 'From 1 July 2014 the Medicare levy rose from 1.5% to 2.0%'.
After 64 years the Income-tax Act 1961 has been retired: the Income Tax Act 2025 passed Parliament on 11–12 August 2025, got assent on 21 August and took effect on 1 April 2026, cutting over 800 sections to 536.
Wikipedia: the bill passed the Lok Sabha on 11 August 2025 and the Council of States on 12 August 2025, 'became law upon receiving Presidential assent on 21 August 2025' and came into force on 1 April 2026; it merges the separate 'Assessment Year' and 'Previous Year' concepts into a single 'Tax Year'.
2Fin is free to start. Premium is US$23 a month (US$222 a year), ELITE+ is US$42 a month (US$432 a year) and AUTO+ is US$54 a month (US$555 a year), billed in US dollars.
Hover, tap or tab to any underlined feature to learn more.
For getting every record in one place, at no cost.
Included
For employees and sole traders who want every deduction found and the busywork done.
Everything in Free, plus
For businesses and accountants who lodge, report and keep the books.
Everything in Premium, plus
For owners who want receipts and reports to arrive on their own.
Everything in ELITE+, plus
Swipe to see every plan
| Feature | FREEUS$0 | PREMIUMUS$23 / month | ELITE+US$42 / month | AUTO+US$54 / month |
|---|---|---|---|---|
| Capture | ||||
| Statement uploads into bucketsCSV, Excel or PDF. On the free desktop app, statements come in through the CSV import instead | Included | Included | Included | Included |
| Live feeds from your own sheet or bank-feed accountA Google Sheet, or a provider account you hold such as SimpleFIN or BankSync | Included | Included | Included | Included |
| Photo and PDF receipts, read and matchedRead in the language they are printed in | Not included | Included | Included | Included |
| Forward receipts by email | Not included | Not included | Not included | Included |
| Organise | ||||
| Transactions, categories and bills in one placeIncluding recurring payments | Included | Included | Included | Included |
| Upcoming bills, pay days and money you are owedPayments matched to what you are owed as they land | Included | Included | Included | Included |
| Budgets against what you actually spent | Included | Included | Included | Included |
| Travel and vehicle trips | Included | Included | Included | Included |
| Properties: what each one really costsRented, business and private parts | Included | Included | Included | Included |
| Automatic categories | Not included | Included | Included | Included |
| Your own categorising rules | Not included | Included | Included | Included |
| Spending and bills analytics | Not included | Included | Included | Included |
| Views by project, client or tax purposeCalled Lenses in the app; the Properties lens is built in on every plan | Not included | Not included | Included | Included |
| Tax | ||||
| Tax analysis that knows your situation | Not included | Included | Included | Included |
| Tax exports, including ATO myDeductions | Not included | Included | Included | Included |
| Tax reports and summaries | Not included | Not included | Included | Included |
| BAS, VAT and GST statements | Not included | Not included | Included | Included |
| Asset register, depreciation, profit & loss and TPAR | Not included | Not included | Included | Included |
| Property write-offs and scheduleDepreciation, capital works, a schedule for your accountant | Not included | Not included | Included | Included |
| Automate | ||||
| Ask Fin about your money | 25 messages a month | Unlimited | Unlimited | Unlimited |
| Fin reads the files you upload | Not included | Included | Included | Included |
| Fin, your assistant, with its own workspace | Not included | Not included | Included | Included |
| Your week in review, on the dashboard | Included | Included | Included | Included |
| Signed webhooks for Zapier, Make and n8n | Not included | Not included | Not included | Included |
| Reports emailed on the schedule you set | Not included | Not included | Not included | Included |
| Share | ||||
| Push to Google Sheets, Excel, Notion or AirtableBank-feed transactions included | Not included | Not included | Included | Included |
| Send transactions to Xero or QuickBooks OnlineCoded, with the receipt attached | Not included | Not included | Included | Included |
| Practice workspace for accountantsYour clients can be on any plan | Not included | Not included | Included | Included |
| Connect Claude or ChatGPT, with the access you approveWhat they can read follows your plan | Included | Included | Included | Included |
| Desktop app, with your data on your machine | Included | Included | Included | Included |
Enterprise-grade data control is the default here — on every plan.
Your records can stay on your own machine or in your own cloud, telemetry stays off unless you turn it on, and Fin keeps an auditable record of everything it sends. Enterprise adds the people and the paperwork: dedicated support, custom deployment and reviews for large-scale operations.
Verify it yourselfYes. Your spending is categorised automatically so job-related costs stay organised and easy to review.
Common contractor deductions include tools and equipment, vehicle and fuel costs, materials, insurance and subscriptions — 2Fin surfaces these from your spending so you can review and claim what applies. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. Read-only bank connections are protected with strong encryption, your credentials are never stored, and you can disconnect anytime.
Not automatically. For building and construction the ATO applies a 50% test rather than an always-lodge rule: you report if you paid contractors for building and construction services and, in the current or previous year, 50% or more of your business income or business activity came from those services, or you expect it to. Cleaning, courier, road freight, IT and security services have their own rules. Fin prepares the report from the contractor payments you flag; whether you need to lodge it is a question to settle with the ATO or your accountant. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes — there is a free plan to get started, with paid plans when you need more. See the plans below.
One account, two lives, already sorted
For freelancersKnow what’s yours to keep, every month
For tradiesThe glovebox receipts, already sorted
For small businessMonth-end that’s already done
For growing businessesOne set of transactions, sliced every way that matters
For studentsMoney that still exists in week four
For creatorsEvery payout in one number, gear and all
For artists & musiciansThe gig fee, the gear, the agent’s cut
For rideshare & delivery driversEvery shift adds itself up
For accountants and bookkeepersRead-only client summaries, every read logged; year-end in one pack
For employeesWork expenses found, your refund in view
For employees with a side businessOne salary, one business, one tax estimate
For property investorsKnow what every property really costs you
Let Fin handle the busywork while you get on with what matters.
Get 2Fin free →Explore features, see pricing, or read about security & trust.
