For small business
Running a small business means wearing every hat. 2Fin takes bookkeeping off your plate — categorising spending automatically, surfacing deductions, and keeping you tax-ready — so you can spend your time on the business, not the books.
Transactions are categorised automatically as they happen, so your books stay current without the data entry.
See where money goes, spot patterns, and make decisions with confidence — intelligent insights from your real spending.
Deductions are surfaced and categorised all year, so the end of the year is a review, not a rebuild.
The ATO published a $20,000 instant asset write-off threshold for 2023-24 through 2025-26 and, so far, nothing for 2026-27. Fin does not carry last year’s figure forward: the register shows “confirm the current limit” with the ATO link until a threshold is published, and runs prime cost or diminishing value on everything else.
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 an office or admin worker you can generally claim working-from-home running costs, the work portion of your phone, self-education, and professional or union fees.
As a lawyer you can generally claim your practising certificate, CPD and professional memberships, legal reference subscriptions, and home-office running costs.
As an accountant or bookkeeper you can generally claim your professional membership, CPD, work software and subscriptions, and home-office running costs.
A pharmacist deduction list is unusually predictable: the same registration, indemnity and CPD costs recur every year, which makes them easy to claim and easy to forget.
University was free in Australia from 1974 to 1988: the Whitlam government abolished fees in 1974, and they returned in 1989 with HECS, the income-contingent loan repaid through the tax system.
Wikipedia records that the Whitlam government 'abolished university fees' in 1974 and that the Hawke government set up the Higher Education Contribution Scheme in 1989; HELP later 'replaced' HECS, and HELP debts are indexed to the 'Consumer Price Index (CPI) on 1 June each year'.
Germany's 'Soli' began in 1991 as a temporary 7.5% surcharge on income tax, lapsed in 1993–94, returned in 1995 to pay for reunification and fell to 5.5% in 1998 — and since 2021 about 90% of former payers owe nothing.
German Wikipedia: in 1991–92 the surcharge applied for only half of each year (effectively 3.75%), justified by Gulf War costs and 'zusätzliche Aufgaben in den neuen Bundesländern'; reintroduced without time limit in 1995 for the 'Kosten der deutschen Einheit'; 5.5% since 1998; from 2021 a Freigrenze with a sliding zone relieved 'rund 90 % aller Soli-Zahler'.
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 yourselfNo — it makes your accountant faster. Your books stay clean and your deductions organised, so the work you hand over is tidy and complete.
Yes. Business and personal transactions are separated automatically, so your business records stay clean even when expenses get mixed.
It categorises deductible spending throughout the year and keeps reports ready, so preparing for tax is straightforward. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Only if it qualifies under the instant asset write-off rules for the year you first use it, and the threshold for 2026-27 has not been published by the ATO at the time of writing — the confirmed $20,000 figure covers 2023-24 to 2025-26. Fin shows the write-off option with a prompt to confirm the current limit rather than printing a number, and otherwise depreciates the asset over its effective life. 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 as your needs grow. The plans are below.
One account, two lives, already sorted
For freelancersKnow what’s yours to keep, every month
For contractorsEvery job costed by the time you’re home
For tradiesThe glovebox receipts, already sorted
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.
