For market sellers & makers
A market day leaves a trail: card sales that arrive later as a payout, cash in the float, a stall fee, and materials bought weeks before. Fin brings in the card payouts from your bank feed, which arrive after the provider’s fee, lets you add cash sales by hand, reads the receipts for materials and stall fees, and keeps the craft money apart from your own. It is free to start. When the stall becomes a business, Premium sorts every transaction and finds what you can claim, and ELITE+ adds invoices for shops that stock your work and the GST or VAT statement.
Card payouts land from your bank feed after the card provider’s fee, so record the gross sales and the fee from the provider’s statement beside them. Cash takings can be added by hand.
Photograph the receipt for materials, packaging or the stall fee and Fin reads it into the expense, so the cost of making is there at tax time. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Mark each transaction business or personal, and split a payment that covered the yarn and the groceries, so only the craft part counts. Splitting is free on every plan.
Upcoming lists stall fees, subscriptions and other bills before they are due, so a slow season is something you saw coming.
For a UK sole trader, 2Fin prepares the figures through the year; you file through Making Tax Digital software or your accountant.
Self-employment, employment, property, savings and dividends in one live estimate, with Class 2 and Class 4 National Insurance and student loan, at the rates for England, Wales and Northern Ireland.
The VAT treatment is set on each transaction as it arrives, and boxes 1 to 9 are filled from them, ready to check and file.
Main and special-rate pools, the annual investment allowance and full expensing, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for HMRC.
For a US freelancer or sole proprietor: a federal estimate and IRS-labelled records, with your banks connected through your own SimpleFIN key.
A Schedule C and 1040-shaped estimate, federal only, for one kind of income at a time — your business income or your wages.
MACRS with Section 179 and bonus depreciation, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for the IRS.
For a Canadian sole proprietor, GST/HST and the federal estimate build up through the year from your own transactions.
GST or HST is set on each transaction at your province’s rate, and the GST34 is filled from them, ready to check and file.
Self-employment, employment and rental income, CPP and the basic personal amount in one federal estimate, with work-related deductions taken off.
Capital cost allowance by class, for equipment you add from its bank transaction, and a deduction export labelled for the CRA.
For a freelancer or proprietor in India, the estimate follows the ITR and the GST sales table is filled for you.
Salary, business or presumptive income and house property, under the old and new regimes, with 80C and 80D, the rebate and cess.
The outward-supplies table of GSTR-3B is filled from your sales; input tax credit and the other tables are yours to complete.
Written-down value by block, for equipment you add from its bank transaction, and a deduction export labelled for the Income Tax Department.
For a GST-registered sole trader in New Zealand, the return is filled from your transactions.
GST is set on each transaction as it arrives, and the GST101A is filled from them with each figure traceable, ready to check and file.
The IRD rate per asset, the low-value threshold and Investment Boost, for equipment you add from its bank transaction.
Your business costs, categorised and with receipts attached, in a Tax Deduction CSV labelled for Inland Revenue NZ.
Start with your own money at no cost. When a side project starts earning, add the plan that fits it. Your records are the same on every plan, so moving up never means starting again.
Step 1 · Free
See and plan the money in your own name, with no card and no time limit.
Free, no card
Step 2 · Premium
When money comes in from something of your own, Fin sorts it and finds what you can claim.
US$23/month
Step 3 · ELITE+
Invoices, GST or VAT, the day-by-day forecast and the reports an accountant asks for.
US$42/month
Step 4 · AUTO+
Receipts and reports arrive on their own, and your other tools hear about each change.
US$54/month
Each step keeps everything before it. Compare every plan
The pages next door, and free tools that need no account.
Starting small beside a job, and growing into a business.
When the stall is your business: GST or VAT on every line and the year ready when it ends.
Gig fees, gear and the agent’s cut.
Platform payouts, sponsors and the gear behind them.
Invoices for shops and commissions, with a page your customer can pay from (ELITE+).
Add or remove GST from a price, free and without an account.
When market selling becomes a business, and what you have to report, is set by each country’s tax authority. These are their own pages, with the ATO’s on when Australia requires GST registration.
Selling now and then at markets or to friends is usually a hobby; regular selling with the aim of a profit points to a business.
When registering for GST becomes compulsory, including the annual turnover threshold.
Occasional selling online or at auctions, and when HMRC needs to hear about it.
A profit motive makes a trade or business, even part-time beside a job.
Each page read on 12 November 2026.
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.
Indonesia's income tax starts above a tax-free Rp54 million a year and runs from 5% up to 35% on income over Rp5 billion; companies pay a flat 22% on domestic and foreign-sourced income alike.
Wikipedia's table: 0% up to Rp54,000,000 ('Tax Free'), 5% to Rp60 million, 15% to Rp250 million, 25% to Rp500 million, 30% to Rp5 billion and 35% above; 'Companies in Indonesia are taxed at a rate of 22%, for both domestic and international sourced income.'
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 students and anyone starting out: 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. On the free desktop app, receipts are read on Premium and up | 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 |
| Invoices your customer can open and pay fromYour own payment link, repeating invoices and overdue reminders | Not included | Not included | Included | Included |
| Balance check against a bank statementWith the likely reasons for any difference | Included | Included | Included | Included |
| Data history, with UndoFin’s changes and import reviews undo for 30 days | Included | Included | Included | Included |
| Daily burn rate | Included | Included | Included | Included |
| Cash flow forecast for the next 30, 60 or 90 days | Not included | Not 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 |
| Aged receivables and payables, and a balance sheet as at todayWith loan and prepaid expense schedules | 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 |
| Email the year to your accountantThe accountant pack and journal file, in your name; web app | Not included | Included | Included | Included |
| Practice workspace for accountantsYour clients can be on any plan | Not included | Not included | Included | Included |
| Team access with rolesViewer, bookkeeper or admin; teammates need no 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 yourselfIt depends on whether your selling is a hobby or a business under your country’s rules. New Zealand’s Inland Revenue, for example, generally treats occasional selling at markets as a hobby, and regular selling with the aim of a profit as a business. The sources on this page link each authority’s own guidance, and 2Fin keeps the records either way.
Add them as a transaction on the day, marked as business income, and they sit beside the card payouts that arrive from your bank feed.
Card providers pay out after taking their fee, so the payout in your bank is the net figure. Record the gross sales and the fee from the provider’s own statement, so your income and the fee are both in your records.
Yes, on ELITE+ and AUTO+: write the invoice with tax on each line, email it with a link to a page your customer can open and pay from, and Fin matches the payment when it lands.
To start, yes: feeds from your own bank account, statement uploads, receipts read and matched, budgets and the Upcoming list cost nothing. Automatic sorting and tax exports come with Premium, and invoices and GST or VAT statements with ELITE+.
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 businessesThe tax and cash layer: keep your ledger, or run without one
For personal financeSee the low point before it arrives
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 side hustlesYour job and your project, in one picture
For rideshare & delivery driversEvery shift adds itself up
For taxi driversEvery kind of takings, counted
For taxi and hire-car operatorsOne cab or several, one clear set of books
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
For small charitiesRestricted grants kept apart, and the examiner’s figures ready
Let Fin handle the busywork while you get on with what matters.
Get 2Fin free →Explore features, see pricing, or read about security & trust.
