MYOB Business is a long-established Australian accounting suite — invoicing, payroll and BAS built for accountants and growing teams. 2Fin takes a lighter path: it reads your bank feed, categorises spending automatically, surfaces deductions all year, and lets you query your finances through ChatGPT and Claude. For a solo operator, that focus can mean less setup for the same clarity.
Built differently where it counts — here is how.
MYOB is built for a bookkeeper who already knows the file. Each categorised row here names the rule, bill pattern, feed or file it came from, so someone running their own books can audit the sorting without learning the ledger first.
Every transaction is scanned for claimable expenses as it arrives — home office, tools, subscriptions, vehicle — so tax time starts mostly done.
Ask plain-language questions about your real finances through the 2Fin MCP integration — what you spent, what looks deductible, who still owes you.
No chart of accounts to configure. Connect a feed or import a CSV and Fin starts sorting straight away.
The free plan covers dashboards, categories and smart filtering — upgrade only once deduction surfacing is earning its keep.
The same situation, in both
You take on a casual and want the labour cost to show up against the jobs it was for.
MYOB runs the pay run, Single Touch Payroll and super, with payroll charged per employee on top of the plan.
Your payroll tool runs the pay run; Fin categorises each wage payment as it leaves your account and shows it in the project or client view beside every other cost — so you can see what each job really cost, not just what payroll paid.
Pricing snapshot: MYOB Business Lite runs from about $26 AUD/month (entry tier, sole traders and micro businesses), with payroll charged separately per employee — see myob.com/au for current pricing; 2Fin starts free with live bank feeds from your own provider account, with automatic categorisation on Premium (US$23/month).
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 sole traders whose main need is expense tracking, GST capture and deduction surfacing — with invoices sent from the tool you already use and tracked to paid in 2Fin — 2Fin covers that core with less setup and a free plan. If you need the full accounting suite, MYOB is built for that, and it imports 2Fin’s CSV export. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
2Fin tracks GST on every transaction and organises the figures you need for your BAS. MYOB additionally supports lodgement workflows some accountants prefer. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. Export your transaction history to CSV or connect a read-only bank feed, and 2Fin categorises your history automatically — no chart-of-accounts migration required.
MYOB Business is hosted; MYOB AccountRight still offers a desktop edition with a company file on your machine, on its business tiers. 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.
Cost tracking & job costingRead the same transactions by project, client or department to see what each job actually cost you.
AU sole-trader invoicing and bookkeeping
vs XeroFull accounting suite for small businesses and their accountants
vs QuickBooksGlobal small-business accounting from Intuit
vs ATO myDeductionsFree deduction & trip log built into the ATO app
vs FreeAgentUK accounting for sole traders and small companies (NatWest Group)
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Get 2Fin free →See all comparisons, or explore free tax tools.
