For tradies
Tools in the morning, timber at lunch, fuel on the way home. Expense tracking for tradies means sorting spending that lands all day, every day — so 2Fin reads your bank feed, tells job spending apart from personal, and keeps the deductions counted as they happen. Tax time becomes a review instead of a reconstruction.
One card pays for the timber and the groceries. Every transaction is sorted the day it lands, so job spending stays separate from personal without a Sunday night of scrolling back through the statement.
Trades rack up more claimable spending than almost any occupation — and lose more of it to receipts that fade in a console. Deductible spend is flagged as it arrives: tools, fuel, protective gear, licences and tickets.
Materials carry GST, and so does most of what goes in the ute. Fin tracks it per transaction as the spending is categorised, so the period totals are built from rows you have already seen rather than assembled the night before.
You quote one number and spend another. Group spending by job, site or client and watch the gap open while there is still something you can do about it — not three months later when the invoice is long paid.
The sorting runs in the background while you are on the tools. Your books stay current on their own, so the evenings and the weekend go back to being yours.
The categories that come up most on a trade return, the record that backs each one, and where it comes from once your account is connected.
| Spending | The record that backs it | Where it comes from |
|---|---|---|
| Tools and equipment | Receipt showing the item and date. On wages the $300 rule decides whether it is claimed outright — tested per item, but a set or several near-identical tools count together against it; on an ABN it is depreciation or a small-business write-off instead | Bank transaction, with the receipt photographed or forwarded and matched to it |
| Fuel and vehicle running costs | Both methods are for a car — under one tonne, fewer than nine passengers — so a valid 12-week logbook, or your work-related kilometres for cents-per-kilometre. A heavier ute is claimed at actual cost instead | Fuel and servicing transactions categorised as they land; the logbook stays yours to keep |
| Materials and consumables | Supplier receipts. What you use up on the job is claimed in the year you buy it; materials still on hand at year end can count as trading stock instead, so the closing figure matters | Merchant recognised from the transaction and sorted automatically |
| Protective clothing and safety gear | Receipt for items protective by design — hi-vis, steel caps, respirators — plus laundering costs | Categorised from the transaction, flagged as likely deductible for review |
| Licences, tickets and union fees | Renewal notice or receipt for a licence you already hold | Recognised as a recurring payment and surfaced ahead of the next one |
| GST on eligible purchases | A valid tax invoice. A credit needs a creditable acquisition, so spending that carried no GST, private purchases and input-taxed items sit outside it | Captured per transaction as the spending is categorised, ready for the period totals |
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 tradie you can generally claim the tools, protective gear, and work-related vehicle travel you pay for yourself — the things you buy to actually do the job.
As an electrician you can generally claim the test instruments and insulated tools you buy yourself, the renewals that keep your licence and endorsements current, and travel between sites.
As a plumber you can generally claim the tools and machines you buy yourself, the revalidations that keep your endorsements current, tool insurance, and the running costs of the van.
As a carpenter you can generally claim the tools and consumables you buy yourself, the site tickets you keep current, protective gear, and travel between sites.
As a painter you can generally claim spray and access equipment, the consumables that get used up on every job, respiratory protection, and travel between sites.
Tampons were taxed at 10% as a non-essential item for nearly two decades while condoms, sunscreen and lubricant were GST-free — until the 'tampon tax' was finally scrapped in 2019.
After a campaign of nearly two decades, Commonwealth, state and territory treasurers unanimously agreed on 3 October 2018 to make menstrual products GST-free from 1 January 2019, giving up about $30 million a year in revenue.
The 5% rate was never a UAE decision alone — it was locked in by a treaty: the 2016 GCC Unified VAT Agreement that bound all six Gulf states to a common framework, with the UAE and Saudi Arabia flipping the switch together on 1 January 2018.
Saudi Arabia later broke ranks and tripled its rate to 15% in July 2020 to plug a COVID-era deficit; the UAE kept its 5%.
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 yourselfIt works underneath them. Those are job management: quoting, scheduling, dispatch and getting the invoice out. 2Fin handles the money side, tracking each invoice they send until it is paid, reading your bank feed, sorting what you spent, capturing GST and surfacing deductions through the year. Most tradies run job software for the work and something separate for the money — this is the something separate, and it is the half that decides what you keep.
Snap a paper docket at the counter, forward an emailed one, or upload it later — the merchant, amount, date and line items are read automatically and matched to the bank transaction they back. Thermal paper fades within months, so capturing early is what keeps a faded receipt from becoming the weak point in your records.
Yes. GST is captured per transaction as your spending is categorised, so the totals for the period come from rows you have already reviewed rather than a scramble at the end. Full BAS reporting sits on the ELITE+ plan; the per-transaction GST tracking underneath it starts earlier.
No. Most of what it does is the part you would otherwise do by hand: sorting transactions, chasing receipts and trying to remember what was claimable. Nothing has to be set up per job and no bookkeeping knowledge is assumed — connect the account, review what Fin sorted, and get back to it.
Tools and equipment, protective clothing, fuel and vehicle running costs for travel between sites, materials, licences, tickets and union fees are the categories that come up most often. Fin surfaces them from your real spending so you can review what applies to you. The full breakdown, including what usually is not claimable, is in the tradie deduction guide. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. The free plan covers the dashboard, expense management and categories — enough to watch a month of spending sort itself before you pay for anything. Paid plans add the deeper tax analysis, the ATO export and BAS reporting. See the plans 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 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.
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