For freelancers
Freelance income arrives in bursts and expenses hide everywhere. 2Fin pulls it all together, sorts spending automatically, and surfaces the write-offs you'd miss — so you always know what's yours to keep and what to set aside for tax.
Irregular pay and scattered costs become one clear picture — what came in, what went out, and what it means for your bottom line.
Software, gear, co-working, courses, that domain renewal — deductible expenses are surfaced from your real spending so nothing slips through.
Invoice from whatever you like — your accounting app, Stripe or a PDF template. Each invoice you record or upload sits on Upcoming until the client pays, then Fin matches the payment and counts it as income. Connect your assistant and it can draft the next one in your own tool.
Stay ahead of tax time with a running view of your deductible spend, so a tax bill never catches you off guard.
A new laptop and a new phone in the same year are two kinds of claim. The GST inside each price is a credit on this quarter’s activity statement; the cost itself is written off over the asset’s effective life — two years for a laptop under the 2025 determination — unless the write-off rules apply. Add either from its bank transaction and the asset register runs the schedule.
For a UK sole trader, 2Fin prepares the figures through the year; you file through Making Tax Digital software or your accountant.
Self-employment, employment, property, savings and dividends in one live estimate, with Class 2 and Class 4 National Insurance and student loan, at the rates for England, Wales and Northern Ireland.
The VAT treatment is set on each transaction as it arrives, and boxes 1 to 9 are filled from them, ready to check and file.
Main and special-rate pools, the annual investment allowance and full expensing, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for HMRC.
For a US freelancer or sole proprietor: a federal estimate and IRS-labelled records, with your banks connected through your own SimpleFIN key.
A Schedule C and 1040-shaped estimate, federal only, for one kind of income at a time — your business income or your wages.
MACRS with Section 179 and bonus depreciation, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for the IRS.
For a Canadian sole proprietor, GST/HST and the federal estimate build up through the year from your own transactions.
GST or HST is set on each transaction at your province’s rate, and the GST34 is filled from them, ready to check and file.
Self-employment, employment and rental income, CPP and the basic personal amount in one federal estimate, with work-related deductions taken off.
Capital cost allowance by class, for equipment you add from its bank transaction, and a deduction export labelled for the CRA.
For a freelancer or proprietor in India, the estimate follows the ITR and the GST sales table is filled for you.
Salary, business or presumptive income and house property, under the old and new regimes, with 80C and 80D, the rebate and cess.
The outward-supplies table of GSTR-3B is filled from your sales; input tax credit and the other tables are yours to complete.
Written-down value by block, for equipment you add from its bank transaction, and a deduction export labelled for the Income Tax Department.
For a GST-registered sole trader in New Zealand, the return is filled from your transactions.
GST is set on each transaction as it arrives, and the GST101A is filled from them with each figure traceable, ready to check and file.
The IRD rate per asset, the low-value threshold and Investment Boost, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for Inland Revenue NZ.
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 designer you can generally claim your software subscriptions, the hardware you work on, portfolio and website costs, and the materials that go into the work.
As a nurse or midwife you can generally claim your uniforms and laundry, professional registration and memberships, and work-related self-education.
As a teacher you can generally claim classroom supplies you buy, work-related self-education, home-office running costs for marking and planning, and union fees.
As an IT professional you can generally claim home-office running costs, work hardware and software, self-education, and professional memberships.
Guides marked Global also come in 8 markets — including the UK, US, Canada, India and the UAE.
Australia's first income tax was a state tax: South Australia levied one in 1884, the Commonwealth followed in 1915 to pay for the First World War, and in 1942 Canberra took over income tax from the states altogether.
Wikipedia records that 'the first income tax in Australia was imposed in 1884 by South Australia', that federal income tax 'was first introduced in 1915, as a wartime measure', and that in 1942 the federal government took over the raising of all income tax 'to the exclusion of the States' — an arrangement that still stands.
Switzerland taxes income three times over — by the Confederation, the canton and the commune — and each canton sets its own rates, so in one comparison the top rate ranged from 12.3% in Zug to 32.3% in Jura.
Wikipedia: taxes are 'levied by the Swiss Confederation, the cantons and the municipalities'; the federal direct tax tops out at 'the maximum rate of 11.5%'; cantons 'remain free to set their tax rates', and Zug had the lowest maximum individual rate among major cities at 12.3% against 32.3% in Jura (2011 figures); cantons also levy a wealth tax of roughly 0.3% to 0.5% on net worth.
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 organised so you can see costs clearly and keep client-related expenses tidy, all in one place.
It surfaces deductible expenses from your actual transactions and keeps them categorised, so preparing your return is far quicker. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
No. The categorising is done for you and explained in plain language — if you can read a bank statement, you can use 2Fin.
Two answers, because two taxes. The GST in each price is claimed in full on the activity statement for the quarter you bought them. For income tax the cost is spread over the effective life — two years for a laptop — unless the asset qualifies for an immediate write-off, whose limit for the current year you should confirm with the ATO. If you use either privately as well, only the business share is deductible. The asset register in 2Fin keeps both halves on the one bank transaction. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes — start free and upgrade only when it earns its keep. The plans are below.
One account, two lives, already sorted
For contractorsEvery job costed by the time you’re home
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.
