Hnry is a payroll service that handles your tax payments on your behalf — ideal if you want hands-off income handling. 2Fin is an expense intelligence platform that reads your bank feed, surfaces deductions, and lets you query your real finances through ChatGPT and Claude. They solve different problems and can complement each other.
Built differently where it counts — here is how.
Hnry works the income side, withholding tax as you are paid. 2Fin works the expense side, reading what you actually spent and surfacing the deductions sitting in it — which is the half that decides what you get back.
Transactions are categorised as they arrive from your bank feed — business against personal, deductible against not — so there is no evening spent entering a quarter by hand.
The honest question about automated sorting is how you know it got it right. Each categorised row names where its category came from — a rule you wrote, a bill pattern, Fin, your bank, or the file it came in on — and you can change it inline. The How Fin decides page below walks ten real transactions through the chain end to end.
Fin writes a short read of what actually changed — the first one covers your whole history rather than an empty week, and it is written once a day at most, so opening it twice does not start it again. A dashboard asks you to go looking; this arrives already knowing what moved.
Connect to ChatGPT or Claude and query your finances in natural language. "How much did I spend on equipment this quarter?" gets a real answer.
Start at no cost. 2Fin has a genuine free tier — upgrade only when the value is proven.
The same situation, in both
A client pays a $5,000 invoice for a month of work.
The client pays into your Hnry Account. Hnry withholds income tax, GST, the Medicare levy and HELP, takes its 1% +GST — $50 +GST here, capped at $1,500 +GST a year — and passes the rest on to you.
The client pays your own account, as they always have. Fin matches the $5,000 to the invoice you recorded, splits out the GST, and updates your live estimate — and the deductions that lower that estimate are flagged from your spending as it happens, with the receipt attached.
Pricing snapshot: Hnry charges 1% +GST of income paid into your Hnry Account, capped at $1,500 +GST/year, with tax-agent lodgement 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 yourselfNo. Hnry works by having your income paid into a Hnry Account so tax can be withheld before the money reaches you. 2Fin never sits in that path — it reads the bank account you already use, or a CSV or PDF statement you import, so clients keep paying you exactly as they do today and nothing about your invoicing has to change.
Usually on the sticker, but compare what each one buys before you decide. Hnry charges 1% +GST of every payment into your Hnry Account, capped at $1,500 +GST a year, and that fee includes lodgement of your return and BAS by their registered tax agents. 2Fin is a subscription with a free plan that prepares the year for whoever lodges — you, or an accountant you choose — so the comparison that matters is total cost with your lodgement arrangement counted in.
You or your accountant. This is the clearest line between the two: Hnry’s registered tax agents lodge for you as part of the fee, while 2Fin hands the lodging to you or the accountant you choose and arrives at lodgement time with the year already sorted — categorised transactions, GST captured per line, deductions surfaced with their receipts attached, and an accountant pack to hand over. If having lodgement included is the reason you chose Hnry, that reason still stands.
Not directly — they solve different problems. Hnry handles income tax withholding as a payroll service. 2Fin handles expense intelligence: reading your bank feed, categorising spending, and surfacing deductions. Many self-employed people could use both: Hnry for income handling and 2Fin for expense tracking. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
It records them rather than running them: the tax withheld from each pay is recorded per income stream, wage payments you make are categorised as they leave, and the live estimate shows what you are on track to owe or get back. Remitting tax and lodging stay with you, your accountant or a service like Hnry, working from the records 2Fin keeps.
2Fin is best for the expense and deduction side of self-employment finances — automatic categorisation, deduction surfacing from your real bank feed, and ChatGPT & Claude integration. Hnry is best for income-side tax handling.
Hnry has to hold your records to pay your tax as you earn — that is what the service is. 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.
Invoicing with any toolKeep the invoicing tool your clients already pay; Fin tracks what each one owes and matches the payment when it lands — and your assistant can draft the next invoice.
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.
Rental property, split by useOne address split into rented, business and private shares, with its bills and assets tied to it and a schedule that follows your country’s rental form.
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Get 2Fin free →See all comparisons, or explore free tax tools.
