Dext is the established receipt and invoice capture tool for accounting practices — clients photograph or forward documents, Dext extracts the header data, and the practice publishes them to Xero, QuickBooks or Sage. 2Fin starts from the other side: it is the business owner’s finance brain, reading the bank feed you connect, capturing receipts by email, photo or WhatsApp in any language or script, watching budgets and bills, keeping GST separated and surfacing deductions — and then handing the accountant coded transactions.
Built differently where it counts — here is how.
Dext is excellent at reading the document; deciding what it is still lands on you or your bookkeeper. Each row here arrives categorised and says why — your rule, a bill pattern, Fin, your bank, or the file — so the classification is the part already done.
Dext starts from a document. Fin starts from your transactions — a bank feed you connect with your own key (BankSync or SimpleFIN, or Akahu, Up Bank, Monzo or Starling in the desktop app), a CSV or XLSX upload, or a Google Sheet — so every card payment is categorised and tax-tagged whether or not a receipt ever turns up.
Dext’s supplier rules are set up by hand, client by client. Fin learns from how you categorise and applies it to the next transaction — and on the Xero and QuickBooks connectors (beta) it reads twelve months of your file’s coding to propose the rules for you.
Forward a receipt by email, snap a photo or send it on WhatsApp. Fin reads it in any language or script and keeps the merchant in the original script with a translation beside it.
Capture is one part of running a business. 2Fin also watches budgets, spots recurring bills, tracks travel and vehicle deductions and shows the tax picture as the year goes — the parts a practice tool is not built to show you.
Query your finances through the 2Fin MCP integration, or send finished rows to Google Sheets, Excel, Notion or Airtable, or to your own systems through webhooks and the Integration API.
2Fin has a genuine free plan with no card and no trial timer, and receipts are not metered by a credit balance.
The same situation, in both
One receipt covers $180 of tools for a job and $40 of things for home.
The practice’s Dext inbox captures it, extracts the lines through its credit-metered extraction and publishes it to your ledger for the bookkeeper to code.
Fin reads the lines, so the tools go to the job and the home items to personal, GST is captured per line, and the business share flows into your deductions — with no credits to count.
Pricing snapshot (prices as of September 2026): Dext is sold to practices on per-client subscription pricing, with line-item extraction metered through a credit system — see dext.com for current plans; 2Fin starts free.
Based on publicly available information. Competitor features and pricing may change — verify directly.
Three things you notice in the first week with 2Fin, whichever tool you are coming from.
A 3D calendar of every transaction in six layouts on every plan, and on ELITE+ an expense terrain, a pattern map and a cash-flow Sankey you can turn and zoom.
Interactive views →Each category projects where you will land from what you have spent so far, flags what is running ahead and suggests limits from your real spending — free.
Budget allocations →An Integrations API, API keys, signed webhooks and an MCP server, documented end to end — and invoices from any tool, tracked to paid.
For developers →Both are good tools — the right pick depends on what your business needs most.
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 yourselfFor an owner, yes — with the caveat that they are different shapes of product. Dext is a capture tool your accountant runs; 2Fin is an expense tracker you run, with your own bank feed, receipt capture, budgets and tax intelligence built in. If what you want is your own finances organised and your accountant handed coded transactions, 2Fin is the direct fit. If your accountant has standardised the practice on Dext, they may still want you to use it for capture.
No. Receipt reading is part of the plan you are on rather than a balance of credits to top up. Dext meters line-item extraction through credits, which suits a practice budgeting per client; 2Fin is priced for one owner and keeps the free plan free.
No. Fin learns from the way you categorise — correct a transaction once and the next one from that merchant follows — and it applies your tax treatment per country. On the Xero and QuickBooks connectors, in beta, it also reads the last twelve months of your file’s coding and proposes the rules for you. You can still add explicit rules if you like predictability, but nothing has to be set up before Fin starts sorting.
Yes. 2Fin’s direct Xero connector, in beta, reads your chart of accounts and coding history and pushes each transaction you choose as a coded Spend or Receive Money with the receipt attached, so your accountant sees it in Xero like anything else. QuickBooks Online works the same way; MYOB takes a CSV export. Everything is also available as rows in Google Sheets, Excel, Notion or Airtable.
Practice-side work: a capture inbox per client, publishing to Sage as well as Xero and QuickBooks, supplier-statement fetching, and approval workflows across a firm’s client list. 2Fin is built for the person running one business, with connectors to Xero and QuickBooks Online in beta.
The parts of 2Fin behind the comparison above — what each one does for you, and how it reaches the answer.
Ten real transactions walked through the categorisation chain, so you can see why each one landed where it did rather than take it on trust.
Bulk processingReview and categorise a month of transactions in one pass instead of one row at a time.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
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