Rounded is built for Australian sole traders; 2Fin is a tax and money app for employees, sole traders and people who are both, available in 88 countries. They take different approaches. Rounded leads with invoicing and time tracking; 2Fin leads with automatic expense intelligence — reading your bank feed, surfacing deductions, and connecting to ChatGPT and Claude so you can ask questions in plain language.
Built differently where it counts — here is how.
Rounded keeps invoices and expenses tidy and waits for you to look. Fin writes a short read of what actually changed — the first one covering your whole history rather than an empty week — so the month does not depend on you remembering to check it.
Every transaction is scanned for claimable expenses as it arrives — tools, subscriptions, home office, vehicle — so nothing slips through to EOFY.
Ask ChatGPT or Claude questions about your real finances through the 2Fin MCP integration — a unique capability no invoicing-first tool offers.
Spending patterns, category trends, and cash-flow signals surface automatically — not just when you run a report.
Log expenses and check insights directly from Telegram — arriving soon, ideal when you are on site or between jobs.
The same situation, in both
You finish a job and bill the client $2,400, due in 14 days.
You build and send the invoice in Rounded, and its automatic overdue reminders chase the client if the due date passes.
You send it from whichever tool you like — Rounded included — and record it in 2Fin or upload the PDF. When the $2,400 lands in your feed, Fin matches it to the invoice, files it as income with its GST and moves your tax estimate; if it runs late, it shows as overdue on Upcoming.
Pricing snapshot: Rounded runs $23.95–$29.95 AUD/month after a 14-day trial, with bank feeds and automatic categorisation on its Pro tier; 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 yourselfRounded focuses on invoicing, quotes and time tracking for sole traders, with bank feeds and automatic categorisation on its Pro tier. 2Fin focuses on automatic expense intelligence — reading your bank feed on any plan, categorising it automatically on Premium, surfacing deductions, and connecting your finances to ChatGPT and Claude. They also pair well: invoice in Rounded and 2Fin tracks each invoice until it is paid. If invoicing is the heart of your work, Rounded is built for it; if automatic categorisation and tax-deduction surfacing matter most, 2Fin is designed for that. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. 2Fin tracks GST on your transactions and helps you organise the figures you need for your BAS. Both tools support Australian tax requirements. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. You can import your bank statements via CSV and 2Fin will categorise them automatically. There is a free plan to start with, so you can try it alongside your current setup.
Yes. The free plan runs alongside Rounded with no time limit, so you can compare what each surfaces from the same bank feed before moving anything.
Rounded is a hosted web app, so your books 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.
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.
Budget allocationsBudgeting that looks forward rather than back — set a limit per category and see what is left before you spend it.
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Get 2Fin free →See all comparisons, or explore free tax tools.
