FlyFin is a US tax service for freelancers, focused on filing returns. 2Fin is a tax and money app that works wherever you earn — a live income-tax estimate for the United States (federal, one kind of income at a time), Australia, the UK, Canada and India, GST, VAT or sales tax on record for 88 countries, deductions surfaced as transactions arrive, and something genuinely new: the ability to ask ChatGPT or Claude questions about your real financial data.
Built differently where it counts — here is how.
Every surfaced deduction states where its category came from and keeps the source document attached, so what you claim can still be explained months later — by you, to whoever asks.
Income-tax estimates for the United States (one kind of income at a time), Australia, the United Kingdom, Canada and India, MACRS, ATO, HMRC and CRA depreciation, and deduction exports labelled for each authority — plus GST, BAS and the D1–D15 return lines in Australia.
Rather than reviewing your expenses at tax time, 2Fin surfaces deductions throughout the year as transactions arrive — so year-end is a review, not a scramble. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Connect 2Fin to ChatGPT or Claude and ask questions about your actual spending, deductions, and financial patterns.
Start with a genuine free tier and upgrade when the value is clear.
The same situation, in both
You work from a spare room and want the home-office and equipment costs counted properly.
FlyFin detects write-offs across your linked US accounts, and a CPA prepares and e-files your federal and state returns at a flat yearly price, with audit insurance included.
Fin flags the home-office and equipment costs as they happen and shows the official guidance for the country you file in — the US, the UK, Canada, New Zealand or India, with Australia’s fixed-rate and actual-cost methods side by side — then exports them labelled for your tax authority.
Pricing snapshot: FlyFin plans are about US$16–$29/month billed annually, with CPA-prepared US filing included; 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 yourselfFlyFin is built for the US tax system. 2Fin covers the US — a federal estimate for one kind of income at a time, MACRS depreciation and an IRS-labelled deduction export — and goes further: Australia, with GST, BAS and the ATO myDeductions layout, plus the UK, Canada, India and GST, VAT or sales tax on record for 88 countries. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
You file it, or your accountant does — 2Fin gets it ready. It organises and surfaces the expense data and deductions through the year, so filing is as fast and accurate as possible, whether you file yourself or work with an accountant.
Reach and control: income-tax estimates in five countries, bank feeds you connect with your own key, deduction exports labelled for your tax authority, a full desktop web experience, a desktop app that keeps your records on your own machine, and the MCP integration that lets you query your finances through ChatGPT or Claude.
FlyFin is a hosted app, so your transactions live on its servers. 2Fin runs as a hosted service too, and also ships as a desktop app for Windows (macOS and Linux to follow) where your database and receipts are files in a folder you own — you can open it, copy it and back it up, and the free plan needs no account. The desktop app lists every outbound request it makes, with a switch for each connection, and if you bring your own provider key or run a local model, nothing of yours has to reach 2Fin’s servers at all.
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.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Asset register & depreciationLog a purchase once: the effective life, each year’s decline and your private-use share are carried for you as separate columns.
US freelancer tax filing & deduction finder
vs FreeAgentUK accounting for sole traders and small companies (NatWest Group)
vs CoconutUK sole-trader and landlord accounting with Making Tax Digital
vs YNABZero-based budgeting app (You Need A Budget)
vs MonarchBudgeting and net-worth tracking for the US and Canada (Monarch Money)
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Get 2Fin free →See all comparisons, or explore free tax tools.
