For employees
2Fin is a tax app for employees: it flags expenses that look work-related, keeps the receipt with each one, and estimates your refund in Australia, the United Kingdom, Canada and India — and in the United States for one kind of income at a time.
An employee’s claims are usually small and specific — a uniform, a union fee, the work share of a phone — and easy to forget by the time the return is due. Every transaction, and every line of a split payment, is tagged work-related, business or personal. A course fee or a union fee is marked when it lands rather than hunted for at tax time, with the receipt attached. You decide what to claim.
In Australia, the United Kingdom, Canada and India, Fin projects the tax on your pay to the end of the year, takes off the tax already withheld, and shows the refund or amount owing. In Australia and Canada your work-related deductions come off too; India applies its standard deduction instead, and the UK estimate does not deduct employment expenses yet. In the United States it runs on one kind of income at a time. Elsewhere you see income to date and an effective rate. The live view is on ELITE+ (US$42/month); the accountant pack on Premium carries the same estimate.
Add an employer by hand: copy gross pay and tax withheld from your latest payslip, for one pay or year to date, and the estimate uses it. Turn on Track pay days and they appear on your Upcoming list. Free on every plan.
A Tax Deduction CSV labelled for your authority — the ATO in Australia (in its myDeductions layout), HMRC, the IRS, the CRA, India’s Income Tax Department, Inland Revenue NZ or IRAS — plus an accountant ledger everywhere, each row with its receipt reference. On Premium (US$23/month) and up.
Add your home as a property with the share you work from. In Australia Fin shows the fixed rate beside actual costs and uses the one you choose; in the United Kingdom, the United States, Canada, New Zealand and India it asks the questions that decide your claim and shows the official guidance, with flat rates stated rather than applied. It takes a yearly hours total, so keep your own record of the hours as you go.
Trips with odometer readings, tagged employee or business, with the work share applied to running costs. In Australia you can use cents per kilometre up to the 5,000 km cap instead, and trips you tag employee go into the myDeductions export.
Australia is where 2Fin’s employee support runs deepest. The four below exist nowhere else in the app yet, so they are not promised above.
In the ATO myDeductions export and the accountant ledger, each work expense carries a suggested return line — D1 car, D3 clothing and laundry, D4 self-education, D5 other work-related and so on. Premium and up.
The refund estimate projects PAYG withholding to 30 June and adds the Medicare levy, the low income tax offset and your HELP repayment, across your salary, any sole-trader profit and net rental income.
Enter the hours you worked from home in the year and your running costs, and Fin shows the ATO fixed rate beside actual costs, then uses the one you choose. The guide to the two methods is in Learn.
Car trips tagged employee can use the cents-per-kilometre rate up to the 5,000 km cap, or the logbook share, and the employee trips go into the myDeductions export.
The common work-related deductions on an Australian return, the myTax label each one belongs to, and what Fin does with it. Whether a cost is deductible for your job is for you or your tax agent to confirm.
| Expense | myTax label | What Fin does with it |
|---|---|---|
| Car trips for work (not home to work) | D1 Work-related car expenses | Logbook share or cents per km from the trips you record |
| Overnight travel for work | D2 Work-related travel expenses | Tagged work-related, receipt kept with the transaction |
| Uniforms, protective clothing, laundry | D3 Work clothing, laundry and dry-cleaning | Suggests D3 in the export |
| A course that relates to your current job | D4 Work-related self-education | Suggests D4 in the export |
| Tools, phone and internet share, union fees, working from home | D5 Other work-related expenses | Flags them as they land; working from home by fixed rate or actual cost |
| Gifts of $2 or more to deductible gift recipients (DGRs) | D9 Gifts or donations | Tagged and kept with the receipt |
| Your tax agent’s fee | D10 Cost of managing tax affairs | Suggests D10 in the export |
Ten real bank rows walked through the chain Fin shows on screen: the merchant it read, the category, whether it looks deductible, the work share, and the reasoning in words.
Plain-English guides to the deductions that come up most for work like yours — what usually counts, what usually does not, and the records worth keeping.
As a nurse or midwife you can generally claim your uniforms and laundry, professional registration and memberships, and work-related self-education.
As a teacher you can generally claim classroom supplies you buy, work-related self-education, home-office running costs for marking and planning, and union fees.
As a hospitality worker you can generally claim compulsory logo’d uniforms and their laundry, safety footwear, and required certificates like your RSA.
As an IT professional you can generally claim home-office running costs, work hardware and software, self-education, and professional memberships.
As an office or admin worker you can generally claim working-from-home running costs, the work portion of your phone, self-education, and professional or union fees.
As a retail or sales worker you can generally claim compulsory logo’d uniforms and their laundry, work-related training, and union or association fees.
As an aged-care or disability support worker you can generally claim uniforms and laundry, first-aid training, travel between clients, and required checks.
As a security guard you can generally claim your licence renewal, compulsory uniforms and laundry, required equipment, and first-aid training.
Cabin crew returns turn on two things most occupations never meet: an allowance that may not cover what a layover actually costs, and grooming rules that feel compulsory but are mostly not deductible.
Engineering claims sit in two piles that behave very differently: the credentials that keep you registered, deductible year after year, and the degree that got you there, which never is.
A pharmacist deduction list is unusually predictable: the same registration, indemnity and CPD costs recur every year, which makes them easy to claim and easy to forget.
Bus and coach work splits sharply at the depot gate: a regular route rarely produces travel or meal claims, while overnight charter work can produce quite a few.
As a childcare worker or early educator you can generally claim first-aid training, required checks, resources you buy for the room, and work-related self-education.
Australia's GST has been frozen at 10% for over 25 years, partly because changing the rate legally requires the unanimous agreement of every state and territory plus both houses of federal Parliament.
Treasury states plainly that 'legislation requires that changes to the GST base or rate require unanimous agreement by all State and Territory governments, as well as both houses of the Australian Parliament' — a political straitjacket flowing from the 1999 Intergovernmental Agreement that has kept the rate untouched since 1 July 2000.
Saudis lost a perk and gained a tax in the same breath: the same May 2020 package that tripled VAT also suspended the 1,000-riyal monthly cost-of-living allowance paid to state workers.
VAT rose from 1 July 2020 while the allowance was suspended from 1 June 2020, together part of roughly 100 billion riyals of austerity measures affecting about 1.5 million state employees.
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 |
| 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 data stays out of every push | 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 yourselfYes. 2Fin is built for employees as much as for sole traders. As an employee you get work expenses flagged from your own transactions, receipts kept with them, an export labelled for your tax authority, working from home with your country’s rules in view, a car logbook and — in Australia, the UK, the US, Canada and India — an estimate of your refund. If you also run a business, each transaction is tagged to your job, your business or your private life.
Yes, as an estimate, in Australia, the United Kingdom, Canada and India — and in the United States for one kind of income at a time. Fin projects your pay to the end of the year and subtracts the tax your employer withheld; in Australia and Canada it subtracts your work-related deductions too, and in Australia it adds the Medicare levy, the low income tax offset and HELP. India applies its standard deduction in place of work expenses, and the UK estimate does not deduct employment expenses yet. Sole-trader and rental income are added in where that country’s estimate takes them. Interest, dividends and instalments you have already paid are not included yet, so treat it as a guide and check the final figure in your return or with your agent. Everywhere else you see income to date and an effective rate. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. Add an employer by hand and copy the gross pay and the tax withheld from your latest payslip, either for one pay or year to date. Fin warns you if it looks like a duplicate of pay it already sees, and the estimate and your Upcoming list use it from then on. Payslips are typed in rather than uploaded: Fin does not read payslip files yet.
No. 2Fin is not a registered tax agent anywhere and never sends anything to a tax authority. It keeps your records sorted through the year and exports them — a Tax Deduction CSV labelled for your authority (the ATO myDeductions layout in Australia, with a suggested return line on each work expense), an accountant ledger and an accountant pack — for you to use in your return or hand to your agent.
In Australia, whichever gives the larger claim that you can back up: the fixed rate is the simpler one if you keep a record of every hour you work from home; actual costs can win when you are home most days in a room set aside for work. Fin shows both side by side once you enter your hours and running costs, and the full comparison is in the working-from-home guide in Learn. In the United Kingdom, the United States, Canada, New Zealand and India, Fin asks the questions that decide whether and how you can claim and shows the official guidance; flat rates such as HMRC’s simplified expenses or the IRS simplified method are stated for you to apply, not applied for you. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. Work expenses, receipts, employers added by hand, Upcoming and the accountant exports work in all 88 countries you can choose, and the Tax Deduction CSV is labelled for HMRC, the IRS, the CRA, India’s Income Tax Department, Inland Revenue NZ and IRAS. The refund estimate runs in Australia, the UK, Canada and India, and in the US for one kind of income at a time; elsewhere you see income to date and an effective rate. The D1–D15 lines, the working-from-home fixed rate and cents per kilometre are Australian only.
The free plan covers your transactions, categories, bills, budgets, Upcoming and recurring patterns, statement uploads and a bank feed you connect yourself. Premium (US$23/month) adds receipts, automatic categories, tax analysis and the tax exports. ELITE+ (US$42/month) adds the live tax estimate page and activity statements. See the plans below.
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 employees with a side businessOne salary, one business, one tax estimate
For property investorsKnow what every property really costs you
Let Fin handle the busywork while you get on with what matters.
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