Use cases
Intelligent money management, built for how you work
However you earn, AI2Fin sorts your spending, surfaces the deductions you'd miss, and keeps you tax-ready. Find the version made for you.
One-person businesses
Expense tracking when the business is just you
Your income lands when it lands, and one card often pays for both the job and the groceries. Fin sorts each transaction the day it arrives, keeps business apart from personal, and flags what looks claimable — so the year adds itself up while you work.
For sole traders
One account, two lives, already sorted
For freelancers
Know what’s yours to keep, every month
For contractors
Every job costed by the time you’re home
For tradies
The glovebox receipts, already sorted
For creators
Every payout in one number, gear and all
Businesses with books to keep
Bookkeeping that’s ready before anyone asks for it
Once there’s a team, a GST return or an accountant waiting on you, the books stop being a private matter. Fin keeps transactions categorised as they land, GST separated, and receipts attached to the lines they back — so whenever someone asks, the answer is already sitting there.
For small business
Month-end that’s already done
For growing businesses
One set of transactions, sliced every way that matters
For accountants and bookkeepers
Read-only client summaries, every read logged; year-end in one pack
Money in your own name
Budgeting when there’s no business in the picture
No invoices, no deductions to chase — just a balance that has to reach the end of the month. Fin sorts your spending on its own and shows you where it actually goes, so the decisions get easier and the habits stick.
See what the free plan coversMoney tied up in things you own
When the costs belong to a thing, not just to a month
A rental, a work ute, a second premises, a home with a room let out — each one quietly collects rates, repairs, interest and insurance from every corner of your accounts, and a category total blends them the moment you hold two. Give the thing its own place in Fin and the costs add up against it, divided between the rented, business and private parts, while every transaction keeps the category it already had.
See what a property costs to holdHow it works, whatever you do for a living
The setup is the same whether you invoice clients, run a team or just want your own money to make sense.
Bring your transactions in
Connect a bank feed, import a CSV or PDF statement, or forward receipts by email. Read-only either way — Fin never needs the ability to move your money.
Fin sorts them as they land
Each transaction is categorised the day it arrives, with business kept apart from personal, so nothing waits for a catch-up session at the end of the quarter.
Claimable spending gets flagged
Anything that looks deductible for the way you work is surfaced with the receipt attached to the line it backs, while the year is still fresh enough to check.
Export whenever someone asks
A tax-ready summary with the GST separated and the receipts included — for your own return, your BAS, or the accountant waiting on your year.
Choosing, answered
Questions people ask before they pick a page
- I’m employed and also a sole trader — which page applies?
- Start with the sole-trader page. It is written for exactly that mix — one account paying for both a job and a life — and Fin keeps business apart from personal on each transaction, so wages, side income and groceries stop competing for the same category. If the side income comes from content or platform payouts, the creators page covers the gear and the multi-platform side.
- Are these different products, or one product described different ways?
- One product. Every page here runs the same AI2Fin — the same categorisation, deduction flagging and tax-ready export — described for one way of earning, so you can see what it does with your kind of transactions. Nothing is switched off on the “wrong” page, and the free plan adapts as your situation changes, so starting from one page never locks you in.
- I don’t run a business at all — is this still for me?
- Yes. The students page is the personal-budgeting version: no invoices, no deductions to chase, just spending sorted automatically so you can see where the month goes. The same free plan applies, with the tax features simply sitting unused until the day you need them.
- Does the setup change depending on which page I’m on?
- No. Bring transactions in, let Fin sort them as they land, have claimable spending flagged, export when someone asks — those four steps are the same for a tradie, a growing business or a student. What differs is what Fin looks for: an ABN holder gets deductions flagged, a business with staff gets GST kept separate for BAS, a student gets a budget that is still standing in week four.
- Can I start without connecting my bank?
- Yes. A bank feed is a choice rather than a requirement: you can add transactions yourself, and every plan also takes statement uploads, and AUTO+ takes receipts forwarded by email. When you do connect one it is read-only — Fin can see transactions but never move money.
- I’m an accountant or bookkeeper — is there a page for me?
- The “businesses with an accountant” page is the closest, and it is written from your client’s side of the handover: what the tax-ready export contains, how receipts get matched, and what still has to come from them — asset purchases and last year’s return. If you want clients organised before they reach you, that is the page to send them.
Did you know?
A birthday cake helped sink a GST and an election: in 1993, Opposition Leader John Hewson couldn't say whether his proposed GST would make a birthday cake cheaper or dearer, fumbling about icing and candles on live TV.
The 3 March 1993 'birthday cake interview' with Mike Willesee on A Current Affair is widely blamed for Hewson losing the 'unloseable' federal election ten days later, on 13 March 1993; the GST didn't arrive until Howard finally legislated it seven years on.
In 2012 Spain nearly tripled the VAT on cinema, theatre and concerts from 8% to 21% — drawing strong criticism from the culture industry.
The hike landed just as the national cinematography fund was cut 14% to €33m; cinema admissions, already over 30% below their 2001 peak (98.3m in 2011), kept falling, and the cultural rate was only rolled back to 10% for live performance in 2017 and cinema in 2018.