Thriday — now part of Tyro — bundles transaction banking, automated bookkeeping and registered-tax-agent lodgement into one platform for sole traders. 2Fin connects to any bank you already use, focuses on intelligent expense categorisation and deduction surfacing, and adds a unique layer: your finances, queryable through ChatGPT and Claude.
Built differently where it counts — here is how.
Thriday categorises automatically against its own account. Here the categorisation runs on the bank feed you already have, and every row names where its category came from, so the automation is checkable rather than taken on trust.
No need to open a new account. 2Fin connects read-only to your current bank via secure feeds, so your banking stays where you like it.
Every transaction is scanned for claimable expenses — not just categorised, but actively surfaced for review at EOFY.
Connect 2Fin to ChatGPT or Claude via MCP and ask plain-language questions about your finances — a capability that goes beyond traditional bookkeeping tools.
2Fin has a genuine free plan — no trial timer. Upgrade only when the value is clear.
The same situation, in both
A client pays you $3,000 and you want to know how much of it is really yours.
You bank on the Tyro platform, and Thriday’s set-aside moves part of each payment into sub-accounts; on its done-for-you tiers, from $880 AUD a year, its tax agents lodge BAS and returns.
You keep the bank you already have. Fin reads the payment from your feed, shows a live estimate of your refund or what you owe across salary, business and rental income, and surfaces the deductions that lower it as they happen — so you set aside an informed amount, from your own account.
Pricing snapshot: Thriday has a free plan, automation from $29.95 AUD/month, and done-for-you tax lodgement from $880 AUD/year; 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 yourselfNo. 2Fin connects to your existing bank via read-only bank feeds — you keep your current accounts and banking relationships unchanged.
Thriday offers tax forecasting with sub-account set-aside, and on its done-for-you tiers its registered tax agent arm prepares and lodges BAS and tax returns. 2Fin works with any bank, surfaces deductible expenses from your transactions throughout the year, and shows a live estimate of your refund or what you owe across salary, business and rental income, so your records are EOFY-ready for you or your accountant. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. 2Fin tracks GST on transactions and organises the data you need for BAS reporting. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Tyro announced its acquisition of Thriday in December 2025. Thriday’s original bank accounts and Visa Debit cards, issued by Regional Australia Bank, ceased operating from 30 June 2026 — customers move to Tyro transaction accounts or connect existing banks via Open Banking, while Thriday’s accounting and tax services continue under Tyro. 2Fin is unaffected by banking migrations: it connects read-only to whichever bank you already use.
Thriday is a banking-first product: bank on its platform and bookkeeping plus tax lodgement come with it. 2Fin is an intelligence layer on top of any bank — it surfaces deductions, connects to ChatGPT and Claude, and has a genuine free plan with no banking migration involved.
Thriday is a hosted service built around its own bank account, so your records 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.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Bulk processingReview and categorise a month of transactions in one pass instead of one row at a time.
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Get 2Fin free →See all comparisons, or explore free tax tools.
