Keeper is a US freelance tax service — automatic write-off detection from linked bank accounts, plus federal and state returns reviewed and signed by a tax pro. 2Fin is a tax and money app for employees, sole traders and people who are both, built to work wherever you earn: a live federal income-tax estimate in the United States (one kind of income at a time) alongside estimates for Australia, the United Kingdom, Canada and India, GST, VAT or sales tax on record for 88 countries, a deduction export labelled for the IRS, and bank feeds you connect yourself. In Australia it adds BAS and the ATO myDeductions layout, and the same app follows you across a border.
Built differently where it counts — here is how.
A flagged deduction is only worth what you can stand behind. Each row names the rule, pattern or feed that classified it and keeps the receipt attached, so a claim arrives with its own paper trail rather than a score.
Income-tax estimates for the United States (one kind of income at a time), Australia, the United Kingdom, Canada and India, MACRS, HMRC, CRA and ATO depreciation rules, and GST, VAT or sales tax on record for 88 countries — so moving, or earning across a border, never means changing apps. In Australia it adds a suggested D1–D15 return line per work expense.
Connect a read-only feed with a key you own — SimpleFIN for US banks, or BankSync — or upload CSV, XLSX, OFX or QFX statements, or point Fin at a Google Sheet.
2Fin scans your actual spending for likely deductions — home office, tools, vehicle, subscriptions — and exports them labelled for your tax authority: the IRS, HMRC, the CRA, the ATO and more. 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 about your real finances in plain language — what you spent, what looks deductible, and who still owes you.
The same situation, in both
You freelance in the US this year and expect to move to Australia, the UK or Canada next.
Keeper’s write-off detection and tax-pro-reviewed filing cover your US federal and state returns, from US$199 a year.
The same account moves with you: a federal estimate while you file in the US (one kind of income at a time), then the estimate for Australia, the UK, Canada or India once you move — with your history in one place and the deduction export labelled for whichever authority you file with.
Pricing snapshot: Keeper’s filing plans run US$199–$399/year with US federal + state 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 yourselfKeeper is designed for the US tax system. 2Fin works in the US and well beyond it: income-tax estimates for the United States (one kind of income at a time), Australia, the UK, Canada and India, GST, VAT or sales tax on record for 88 countries, and in Australia GST, BAS and the ATO myDeductions layout. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Reach beyond the US — income-tax estimates in five countries and GST, VAT or sales tax on record for 88 — plus bank feeds you connect with your own key, a genuine free plan, invoices from any tool tracked to paid, a desktop app that keeps your records on your own machine, and your finances in ChatGPT and Claude through MCP.
Yes — there is a genuine free plan. See the pricing page for what is included.
Keeper 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.
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.
Budget allocationsBudgeting that looks forward rather than back — set a limit per category and see what is left before you spend it.
Free plan, no card needed. Start in seconds.
Get 2Fin free →See all comparisons, or explore free tax tools.
