Reckon One is a full Australian accounting package: invoice clients, pay staff, report through Single Touch Payroll. 2Fin takes the other half of the job, beside whichever tools you invoice and pay staff with — understanding what you already spent, what it means for GST and BAS, which deductions you are sitting on, and which invoices have been paid.
Built differently where it counts — here is how.
Reckon One records what you enter. 2Fin reads transactions as they arrive and flags what looks deductible while you can still do something about it. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Categorisation happens automatically and improves each time you correct it. Photograph a receipt and the total, merchant and date are read off it and matched to the transaction.
Reckon One is hosted, so your books live on their servers. 2Fin also ships as a desktop app where the database and receipts are files in a folder you own, with an outbound record of everything that left.
Ask what you spent on subcontractors this quarter, or how this year compares with last, and get an answer rather than a report to interpret.
The same situation, in both
Three months of card and bank transactions, and your first BAS to prepare.
Bank rules you configure code the transactions that match; the rest you code by hand in the ledger, then run the BAS report from your file.
Each transaction is categorised as it arrives with its GST treatment and the reasoning shown, the BAS figures build up through the quarter, and your accountant gets a balanced double-entry journal on export.
Reckon One is sold in modules, so the price depends on which you enable — check reckon.com for current figures. 2Fin starts free, with tax treatment and reporting 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 yourselfIf your business is you, a bank account and a pile of expenses, yes — 2Fin covers that end thoroughly, and invoices sent from any tool, even a PDF template, are tracked until they are paid. If you employ people and report through Single Touch Payroll, keep Reckon One for the payroll and let 2Fin read the money around it.
Yes. GST treatment is worked out per transaction and the BAS figures are calculated from your own records, with the workings shown so you can check them. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Plenty of people do — Reckon One for invoicing and payroll, 2Fin for expense intelligence and deduction surfacing, with figures exported across at tax time.
On export, yes. You enter nothing twice: 2Fin records transactions the way a bank statement reads, then exports a balanced double-entry journal for your accountant — both accounts named, GST split out, debits equal to credits — so the ledger can live in whichever package your accountant prefers, Reckon One included.
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