For small charities
Small charity bookkeeping without a spreadsheet for every grant. Tell Fin the books are for a charity and it sets up the categories a charity uses — donations, grants, and programme, administration and fundraising costs — with a General fund and an entry for each restricted or designated fund. Each payment lands in its fund as it arrives, and the year-end figures are ready for your independent examiner.
Each restricted grant or appeal is an entry in the Funds lens beside the General fund, so what is left of it is always on screen and never mistaken for money the trustees can spend on anything.
Sign-up asks who the books are for, then offers only your country’s charity types. Fin lays out donations and grants coming in and programme, administration and fundraising costs going out, with Funds, Members and Events lenses ready to fill.
A rule on an entry — “money from COUNTY TRUST → Youth project grant” — tags each payment to its fund, donor or event the moment it arrives from the bank feed or a statement, while it keeps its category.
Opening balance, receipts, payments and closing balance for each fund, plus receipts and payments by category, for any period — as CSV and in the year-end pack your independent examiner or accountant prepares the accounts from.
The charity keeps its own 2Fin account, fed by its own bank account, apart from any trustee’s personal books — the separation an examiner looks for, and continuity when the treasurer changes.
The lenses Fin sets up for a charity come with every plan. The screens built for one person’s tax — properties, deductions, student loans, super, the income-tax forecast — are hidden.
A UK charity chooses registered charity, charitable incorporated organisation (CIO) or charitable company at sign-up, and gets a Gift Aid donors lens beside Funds, Members and Events.
In England and Wales a charity registers with the Charity Commission once its income is over £5,000 a year; a CIO registers whatever its income, with the Commission only; a charitable company registers with Companies House and the Commission. Scotland has OSCR and Northern Ireland the Charity Commission for Northern Ireland.
For years ending on or after 30 September 2026, a non-company charity or CIO in England and Wales may prepare receipts and payments accounts up to £500,000 gross income (£250,000 before), with an independent examination over £40,000 (£25,000 before). A charitable company prepares accruals accounts at any size, so Fin’s receipts and payments report is the working summary its accountant starts from.
Each donor is an entry in the Gift Aid donors lens, and the claim sheet lays their gifts out in the column order of HMRC’s schedule with the total and the 25% claim value. You check the declarations and submit it through Charities Online.
An Australian charity chooses registered charity (ACNC), incorporated association, or club or community group at sign-up.
A charity registers with the ACNC and is then endorsed by the ATO as income tax exempt. An incorporated association is also answerable to its state or territory regulator.
The ACNC sizes a charity by annual revenue: small under $500,000, medium from $500,000 to under $3 million, large from $3 million. A small charity is not required to submit a financial report; a medium charity’s is reviewed or audited, a large charity’s audited.
Receipts and payments by fund and by category, with every opening and closing balance, for the reporting period — what the reviewer or auditor works from.
The distinction every charity’s accounts rest on, who decides it, and where it lives in Fin. Confirm how a particular gift is restricted from its terms or with the funder.
| The fund | Who decides what it is for | In 2Fin |
|---|---|---|
| General (unrestricted) | The trustees, within the charity’s purposes | The General fund entry Fin creates first |
| Restricted | The donor, or the terms of the appeal it was raised under | An entry of its own, with its balance and every receipt and payment |
| Designated | The trustees, who set it aside and can release it again | An entry of its own — still part of the unrestricted money |
A restricted grant from receipt to its last invoice, each fund’s opening and closing balance for any period, and what goes to the examiner.
Australia's first income tax was a state tax: South Australia levied one in 1884, the Commonwealth followed in 1915 to pay for the First World War, and in 1942 Canberra took over income tax from the states altogether.
Wikipedia records that 'the first income tax in Australia was imposed in 1884 by South Australia', that federal income tax 'was first introduced in 1915, as a wartime measure', and that in 1942 the federal government took over the raising of all income tax 'to the exclusion of the States' — an arrangement that still stands.
The tax helped wreck the ruling party: months after the 3% tax launched, the LDP lost its Upper House majority for the first time in the July 1989 election, with tax anger compounding the Recruit bribery scandal that had already forced Takeshita to resign.
It was the first time the Liberal Democratic Party lost the popular vote in a national election since its 1955 founding (the vote was held 23 July 1989).
2Fin is free to start. Premium is US$23 a month (US$222 a year), ELITE+ is US$42 a month (US$420 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 |
| Clubs and charities: funds, members and eventsGift Aid donors for UK charities and CASCs | 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 yourselfOnly if the terms it was given on allow it. Restricted money is held for the purpose the donor or the appeal set, so whether an underspend can be kept, returned or moved is decided by those terms or by agreement with the funder — check before you move anything. In Fin the restricted fund’s balance shows exactly how much is left.
The trustees are responsible for them; in practice the treasurer or an accountant draws them up and the independent examiner checks them, when one is needed. Fin gives whoever prepares them the receipts and payments by fund and by category, with every opening and closing balance, as CSV and in the year-end pack.
Yes, in England and Wales, when its gross income is £500,000 or less for financial years ending on or after 30 September 2026 (£250,000 or less before), unless its constitution asks for accruals accounts. A CIO sends its annual return and its accounts to the Charity Commission whatever its income.
Yes, as the working summary. A charitable company prepares accruals accounts at any size, and a larger charity has to; the accountant adds what was owed and owing at the year end to the cash figures. Starting from receipts and payments already split by fund and category saves rebuilding the year from bank statements.
As entries in a lens, each with a rule. For a UK charity, a donor is an entry in the Gift Aid donors lens; add them, choose Match payments from their name, and each gift is tagged to them as it lands, ready for the claim sheet. The gift also keeps its Donations category and its fund.
Because the charity’s money is never a trustee’s. Its own 2Fin account, fed by its own bank account, keeps the records apart from anyone’s personal or sole-trader books — the separation an independent examiner checks for — and lets the books pass intact from one treasurer to the next.
The trustees do, through the regulator’s own service: in England and Wales an annual return is due when income is over £10,000 (and from every CIO), with the trustees’ report and accounts sent once income is over £25,000 — and by every CIO, whatever its income. Fin prepares the figures; the filing is yours.
The Free plan covers it. The categories, the Funds, Members and Events lenses, the Gift Aid donors lens for a UK charity, and receipts and payments by fund are on every plan. Paid plans add automation, such as automatic categories and email receipt forwarding; see the plans on this page.
One account, two lives, already sorted
For freelancersKnow what’s yours to keep, every month
For contractorsEvery job costed by the time you’re home
For tradiesThe glovebox receipts, already sorted
For small businessMonth-end that’s already done
For growing businessesOne set of transactions, sliced every way that matters
For studentsMoney that still exists in week four
For creatorsEvery payout in one number, gear and all
For artists & musiciansThe gig fee, the gear, the agent’s cut
For rideshare & delivery driversEvery shift adds itself up
For accountants and bookkeepersRead-only client summaries, every read logged; year-end in one pack
For employeesWork expenses found, your refund in view
For employees with a side businessOne salary, one business, one tax estimate
For property investorsKnow what every property really costs you
For club treasurersThe club’s money in books of its own, ready for the AGM
Let Fin handle the busywork while you get on with what matters.
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