For sole traders
Expense tracking for sole traders shouldn't eat your evenings. 2Fin reads your bank feed, splits business from personal automatically, and surfaces the deductions you'd miss — so end of financial year stops being a scramble.
Every transaction is sorted the moment it lands, so your business spending stays separated from personal — no month-end cleanup, no spreadsheet.
Your actual spending is scanned for claimable expenses — tools, subscriptions, home-office, vehicle and travel — so you keep more of what you earn.
Hand your accountant a tidy, categorised summary instead of a shoebox. Your reports are ready whenever tax time comes around.
Keep invoicing in the tool you already use. Record what each client owes, or upload the invoice, and Fin matches the payment when it lands, counts it as income with its GST and shows anything overdue on Upcoming — free on every plan.
One business account mixes a $12 bank fee (no GST, G14), a few dollars of interest (input-taxed, G4, not GST-free) and the occasional piece of equipment (capital, G10). A tax treatment on each category sends every line to its own label, so the activity statement is drafted with a source on each figure. You lodge it.
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.
If you sell online you can generally claim the cost of your stock, platform and payment fees, packaging and postage — and the point where a hobby becomes a business is what decides whether you declare the income at all.
As a cleaner you can generally claim the supplies and equipment you buy, protective clothing, and the cost of driving between clients during the day.
As a truck driver you can generally claim meal costs on eligible overnight trips, your work gear and protective clothing, and licence and union fees.
As a fitness instructor or personal trainer you can generally claim equipment you buy, music and programming subscriptions, first-aid and certification costs, and travel between clients or venues.
As a hairdresser or beauty therapist you can generally claim the scissors and tools you buy, products used in your work, and self-education that builds your skills.
As a real estate agent you can generally claim work-related car travel, marketing costs you fund yourself, your phone, and licence and training costs.
As a mechanic you can generally claim the tools and equipment you buy, protective clothing and its laundering, and licences or training tied to your current work.
Cabin crew returns turn on two things most occupations never meet: an allowance that may not cover what a layover actually costs, and grooming rules that feel compulsory but are mostly not deductible.
Bus and coach work splits sharply at the depot gate: a regular route rarely produces travel or meal claims, while overnight charter work can produce quite a few.
Guides marked Global also come in 8 markets — including the UK, US, Canada, India and the UAE.
Super contributions are taxed at a concessional 15% inside the fund — but anyone earning over $250,000 pays an extra 15% under Division 293, taking the rate to 30%.
Wikipedia: concessional contributions are taxed by the fund at a 'contributions tax' rate of 15%, and 'Individuals earning over $250,000 pay 30%' — the Division 293 tax.
Saudis lost a perk and gained a tax in the same breath: the same May 2020 package that tripled VAT also suspended the 1,000-riyal monthly cost-of-living allowance paid to state workers.
VAT rose from 1 July 2020 while the allowance was suspended from 1 June 2020, together part of roughly 100 billion riyals of austerity measures affecting about 1.5 million state employees.
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. Transactions are recognised as business or personal and sorted automatically, so your books stay clean without manual tagging.
2Fin surfaces common sole-trader deductions straight from your spending — things like tools, software subscriptions, home-office costs, vehicle and travel expenses — 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 — it uses secure, read-only bank feeds to import your transactions automatically. Your banking credentials are never stored, and you can disconnect anytime.
Differently, and that is the point of the tax treatment column. A bank fee has no GST in its price, so it is a purchase at G11 noted again at G14 with nothing to claim. Interest you receive is input-taxed income at G1 and G4 — not GST-free — and it can deny credits on related purchases. Fin sets those treatments on the Bank Fees and Interest categories by default and shows where each figure came from on the statement. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. Start on the free plan and upgrade only when it is saving you real time and money. See the plans below.
Know what’s yours to keep, every month
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.
