Upcoming is one list of what is about to happen to your money: the bills due, the pay coming in, the payments you are waiting on and the transfers between your own accounts — built from your own transactions, and free on every plan.
A bill tracker that only knows about bills tells you half the story. Upcoming puts what is going out beside what is coming in, in date order, and totals both for what is still to come — so “can I pay the rates before the next pay lands?” is a glance, not a sum. Totals are kept per currency.
The next payment of every bill Fin found repeating in your transactions, or that you added yourself — rates, insurance, rent, subscriptions — each with its date and what the last ones cost.
Expected income: who owes it, how much and when. It stays on the list until the payment lands and Fin links it, and it counts as income only when the money arrives.
Estimated pay days for each employer, from your pay history or from an employer you added by hand with the figures off a payslip.
Transfers and investments between your own accounts. Shown so you know they are coming, and never counted in money in, money out or the net.
The page opens on the next 14 days. Switch to the next 7, 30 or 90 days, this month, next month, or dates of your own. Your dashboard keeps a card with the next 14 days and a way to add a bill or money you expect without leaving it. If you track properties, the list follows the property you choose in the lens, so a landlord can see what is due at one address. How properties work.
Above the list sits whatever needs a decision from you. Each one is a question with a one-tap answer, so the list stays right without you having to audit it.
A payment that might be the one you were owed, or the bill you expected, with Yes and No.
Bills whose date has passed with no payment seen, and money owed that has not arrived.
Payments that look like they repeat. Track it, Not a repeat, or It’s my pay — nothing is tracked until you choose.
A bill that is late, missing, larger or smaller than usual, or an extra payment. The detail is on the recurring patterns page.
Add expected income with who owes it, the amount, the due date and, if you like, the invoice number, whether GST is included and whether it repeats. When a payment arrives, Fin links it automatically only when it is certain: the exact amount owed, from the payer named in full or carrying the invoice reference, with nothing else close. Anything less certain is asked as a question. Part payments mark the item partly received, an item that will never be paid can be written off, and a payment Fin missed can be pointed at what it pays from the transaction itself. An item is income on the day the money arrives, not the day you add it.
Upload a PDF or a photo of an invoice — or, on AUTO+, forward it to your own 2Fin address — and Fin reads it and asks one question: is this an invoice you sent, or a bill to pay? Add it to expected income, add it as a bill, or say it is not an invoice. Nothing is saved until you confirm.
2Fin does not create or send invoices, by design: you invoice in your own tool and 2Fin sees the payment arrive. That keeps one invoicing system — the one your clients already pay — while your income, GST and tax estimate stay current. For a job and a side business.
Bills on Upcoming come from recurring patterns: Fin reads up to 18 months of your transactions, in both directions, and suggests the payments that repeat on a regular rhythm at a similar amount. You choose which to track, and each tracked pattern schedules its next payments here. How recurring patterns and their alerts work. Pay days come from your income streams; expected income is what you add. Bring transactions in from a bank feed you set up yourself, a statement upload or a spreadsheet feed — no banking password ever reaches Fin.
Upcoming, answered
Upcoming, recurring patterns and expected income are on the free plan, for as long as you like.