Hubdoc is Xero’s own capture tool — included with Xero plans, or US$12 a month on its own: photograph a receipt, forward an invoice, and it pulls the header details — supplier, date, total — into Xero, and auto-fetches statements from over 700 banks and suppliers. 2Fin is built for the owner rather than the ledger: a bank feed you connect yourself, receipts read line by line in any language or script, budgets, bills, travel and vehicle deductions, GST kept separate, and a plain-language line to ChatGPT and Claude. If you already run on Xero, the honest question is whether you want capture, or a finance brain that then hands Xero coded transactions.
Built differently where it counts — here is how.
Hubdoc fetches and files the paperwork. What still costs you time is deciding what each line means at tax time — so every row here carries its category, its tax treatment, and a plain statement of where that category came from.
Hubdoc reads the header of a document — who, when, how much. Fin reads the lines, so a hardware-store receipt with tools and personal items on it can be split, and GST is captured per line rather than assumed.
Connect a feed with a key you own — BankSync or SimpleFIN, or Akahu, Up Bank, Monzo or Starling in the desktop app — or upload CSV or XLSX statements, or point Fin at a Google Sheet. Transactions are categorised and tax-tagged on the way in.
By email, photo or WhatsApp, in any language or script, with the merchant name kept in its original script and a translation beside it.
Hubdoc feeds Xero. 2Fin shows you budgets, recurring bills, travel and vehicle deductions and a running tax view — the parts you want to see before the accountant does.
Direct connectors for Xero and QuickBooks Online (beta) that read your chart of accounts and coding history and push coded transactions with the receipt attached; a CSV export for MYOB; rows to Google Sheets, Excel, Notion or Airtable; and ChatGPT and Claude through MCP.
2Fin starts free with no Xero subscription required. The Windows desktop app (macOS and Linux to follow) keeps your database and receipts in a folder you own, with the option of your own model key or a local model.
The same situation, in both
A supplier emails a $640 bill due in 30 days.
You forward it and Hubdoc pulls the header — supplier, date and total — into Xero, for US$12 a month on its own or included with eligible Xero plans.
You upload it and Fin asks whether it is a bill to pay or an invoice you sent. The bill joins Upcoming with its due date, and when the $640 leaves your account the payment is matched to it — no accounting subscription needed.
Pricing snapshot (prices as of September 2026): Hubdoc is US$12/month on its own after a 30-day trial, and is included with eligible Xero plans; 2Fin starts free with no accounting subscription required.
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 yourselfBecause they do different jobs. Hubdoc captures the header of a document and files it into Xero. 2Fin runs your finances on the owner’s side — bank feed, line-item receipts, budgets, bills, deductions and GST per transaction — and then hands Xero coded Spend or Receive Money transactions with the receipt attached, through a direct connector in beta. If capture into Xero is all you need, Hubdoc is already there; if you want the picture before it reaches the ledger, that is 2Fin.
Hubdoc captures header-level data — supplier, date, total and tax where it can find it — which is what Xero needs for a bill. 2Fin reads the individual lines, so a receipt mixing business and personal items can be split and GST is captured per line.
Yes. 2Fin stands on its own with a free plan that needs no card and no accounting subscription. When you do connect a Xero or QuickBooks Online file, Fin reads its chart of accounts and coding history so its categories line up with the accounts already in use.
Hubdoc logs in to over 700 institutions to fetch statements and bills. With 2Fin you connect the feed yourself with a key you own — BankSync or SimpleFIN, or Akahu, Up Bank, Monzo or Starling in the desktop app — or upload CSV or XLSX statements, or point Fin at a Google Sheet. Your banking password is never typed into 2Fin.
Yes, the ones you choose. Pushes to Xero — in beta — carry the transactions you pick, as coded Spend or Receive Money with the receipt attached, and transactions that arrived through a bank feed you connected are pushed the same way as everything else. Your Xero bank feed then reconciles against what Fin sent.
It is owned by Xero and works best there, and it also publishes to QuickBooks Online. 2Fin is ledger-neutral: direct connectors for Xero and QuickBooks Online in beta, a CSV export for MYOB and anything else, and rows to Google Sheets, Excel, Notion, Airtable and your own systems through webhooks.
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.
Intelligent document extraction for accounting firms
vs DextReceipt and invoice capture for accountants and bookkeepers
vs ThridayAU sole-trader banking + done-for-you tax (now part of Tyro)
vs WaveFree US/Canada invoicing & bookkeeping (Wave Financial)
vs RoundedAU sole-trader invoicing and bookkeeping
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Get 2Fin free →See all comparisons, or explore free tax tools.
