2Fin: where intelligence meets financial management.
About AI2Fin
AI2Fin (2Fin) is an Australian tax and money app for PAYG employees, sole traders and people who are both, as well as freelancers, students, property investors and small businesses. You bring in bank feeds, statements and receipts; Fin puts every transaction in a category, flags the work-related and business deductions you may be able to claim, shows a live estimate of your refund or what you owe, and sends the finished records to your ledger, spreadsheet or assistant.
2Fin is the short, friendly name for AI2Fin (ai2fin.com) — your finance Fin. Inspired by the dolphin mascot's fin, 2Fin brings automated expense tracking, smart categorisation and tax optimisation together so managing money feels effortless.
The layer that understands your money
AI2Fin (2Fin) sees your numbers and connected data and arranges them. You keep invoicing in your own tool; when the payment lands in your bank feed, Fin sees it arrive and records it as income.
One ledger that understands your money
Each transaction, and each line of a split payment, is tagged to your job, your business or your private life — and to a property where it belongs, with shares dated from the day they apply. Lenses, your own rules and Fin’s automatic categorisation do the arranging; receipts are matched to their transactions.
How each line is treated →Your refund, live
An estimate of your refund or what you owe for the year, after PAYG withheld, with the Medicare levy, the low income tax offset and HELP — from your salary or your business income.
Try the income tax calculator →An Accountant Pack
A year-end workbook, a PDF summary and the receipts, ready to hand to your accountant.
For accountants →Home decisions, weighed
Working from home or running a business there: deduct occupancy costs now, or keep the full main residence exemption? Weighed with your own figures.
Try the free tool →Your assistant can read it
Connect Claude, ChatGPT or another assistant through 2Fin’s MCP server and ask about your records. Read-only by default; changes need write access you grant.
Connect an assistant →Invoicing?
Keep using your own tool. Fin doesn’t send invoices — when the client pays, the payment lands in your bank feed and is categorised as income.
The mission
Managing money should feel calm, not stressful. AI2Fin exists to give everyone — students, freelancers, sole traders and growing businesses — the kind of intelligent financial clarity that used to be reserved for those who could afford an accountant on call. Connect your accounts, and Fin turns scattered transactions into organised insight: categorised spending, surfaced tax deductions, and a clear view of where your money goes.
What guides Fin
Effortless by design
Fin does the tedious work — sorting transactions, surfacing deductions, keeping bookkeeping tidy — so you can spend your attention on the decisions that matter.
Honest and transparent
Clear pricing, plain-language explanations, and no hidden surprises. When Fin makes a suggestion, you can see why.
Built on trust
Bank connections are read-only, banking credentials are never stored, and your data is protected with strong AES-256 encryption and strict data minimisation.
Security & trust
Your financial data is protected with strong AES-256 encryption, read-only bank connections and strict data minimisation — and your banking credentials are never stored. Data is hosted with independently certified (for example, SOC 2) providers. AI2Fin's own independent certification and third-party penetration testing are planned as the company grows, and the platform is built to align with the GDPR and other applicable data-protection laws.
Questions, answered
Frequently asked questions
- What is AI2Fin?
- AI2Fin (2Fin) is an Australian tax and money app for PAYG employees, sole traders and people who are both — plus freelancers, students, property investors and small businesses. It sorts your transactions, flags work-related and business deductions, and shows a live estimate of your refund or what you owe.
- What is 2Fin?
- 2Fin is the short, friendly name for AI2Fin (ai2fin.com) — your finance Fin. Inspired by the dolphin mascot's fin, 2Fin is where artificial intelligence meets financial management, bringing automated expense tracking, smart categorization and tax optimization together so managing money feels effortless for PAYG employees, sole traders, people who are both, students and small businesses.
- How does AI2Fin help with tax optimization?
- Fin analyzes your transactions to identify potential tax deductions, categorizes expenses automatically, and gives you personalized recommendations to maximize your tax savings while ensuring compliance.
- How does AI2Fin automate bill tracking?
- I recognise your recurring bills from your own transactions, work out when each next instalment falls due, and show you what is upcoming or overdue — right beside the history behind it: what the last few charges were, how often they arrive, and which account they leave from. I don't send reminder emails or texts; your schedule lives in your dashboard, next to the records that prove it.
- Can AI2Fin help optimize my budget and save money?
- Yes! AI2Fin analyzes your spending patterns, identifies areas where you can cut costs, suggests budget optimizations, tracks your financial goals, and provides personalized insights to help you save money and improve your financial health.
- How does AI2Fin categorize expenses automatically?
- Fin uses machine learning to analyze transaction patterns, merchant information, and spending behavior to automatically categorize expenses into tax-deductible categories, making bookkeeping effortless and ensuring you never miss a deduction.
- Is AI2Fin secure for financial data?
- Yes. AI2Fin protects your data with strong AES-256 encryption, read-only bank connections and strict data minimisation, and never stores your banking credentials. Data is hosted with independently certified (e.g. SOC 2) providers; AI2Fin's own independent certification and third-party penetration testing are planned as the company grows. AI2Fin is built to align with the GDPR and other applicable data-protection laws.
- Can AI2Fin help with business expense tracking?
- Absolutely! AI2Fin is perfect for businesses and sole traders. It automatically separates personal and business expenses, tracks deductible business costs, generates expense reports, and ensures compliance with tax regulations.
- Is AI2Fin for employees on PAYG, or only for businesses?
- Both. As a PAYG employee you can tag each expense as work-related, record the PAYG withheld from each pay, see a live estimate of your refund or what you owe (with the Medicare levy, the low income tax offset and HELP), claim working from home by the fixed rate or actual costs, keep a vehicle logbook, and export to ATO myDeductions. If you also run a business, each transaction — and each line of a split payment — is tagged business, work-related or personal. Today the estimate uses your salary or your business income; one estimate combining both is not built yet.
- Does 2Fin do invoicing?
- No, by design. Keep invoicing in the tool you already use — Xero, QuickBooks, MYOB, Stripe or another. When the client pays, the payment lands in your bank feed and Fin categorises it as income, so your income and GST stay current without a second invoicing system. The tax estimate uses salary or business income; one estimate combining both is not built yet.
- How does AI2Fin maximize tax deductions?
- AI2Fin scans all your transactions to identify missed tax deductions, categorizes work-related and business expenses, matches receipts, keeps a vehicle logbook, and provides detailed reports to help you claim every eligible deduction legally.
- Does AI2Fin have a referral or refer and earn program?
- Yes. With the AI2Fin referral program at refer.ai2fin.com you can invite friends, clients or team members to use AI2Fin. When they join, you can earn rewards while they get access to intelligent expense tracking, tax optimization and financial automation.