For personal finance
2Fin is a personal finance app for the money in your own name, and a free budgeting app at its core: budgets per category and savings goals, every bill and pay day on one Upcoming list, and what an ordinary day costs you, all free on every plan. When you want the line, ELITE+ forecasts your bank balance day by day for the next 30, 60 or 90 days and marks the lowest point before it arrives. Bring in a bank feed or a statement file from any bank, keep everything in the browser or in the Windows app on your own machine, and if you ever earn on the side, the same account sorts that for tax too.
Budgets
Decide the number first and let the spending fill it in. Fin sorts each transaction into its category the moment it lands, so the budget stays current without a spreadsheet.
Bills and pay days
Upcoming puts what is going out and what is coming in on one list, and the calendar shows each day’s money with the bills still to come drawn on their days.
Cash flow forecast
The forecast starts from your real balance and walks forward through your bills, pay days and everyday spending, so you see the lowest point and the day it arrives while there is still time to move something (ELITE+ and AUTO+).
Each item is in the app today, with the page that shows how it works.
Set a limit per category, weekly to yearly and on your payday, or start from what you spent over your last three months. Each category projects where the cycle will land, and the ones running ahead are ranked first.
Start a goal from a template such as Safety Net, Home Deposit or Somewhere New, or from blank. Set the target and a date, and it sits beside your budget.
Bills, pay days and money you are owed, for the next 7 to 90 days or dates you choose. When a payment lands that looks like one you were expecting, Fin asks whether it is the one.
Fin finds the bills and subscriptions that repeat in your transactions and adds them to Upcoming. It tells you when one is late, missing, larger or smaller than usual, or charged twice.
What you spend on an ordinary day, over 7 days to a year, set against the window before. It sits on the dashboard on every plan, including Free.
Your bank balance for the next 30, 60 or 90 days, built from your balance, your bills, pay and invoices owed and your everyday spending, with the lowest point and its date. Test a change, such as a new purchase or a moved bill, without saving it (ELITE+ and AUTO+).
Type the closing balance and date from a bank statement, and 2Fin shows the balance it works out for that day. If the two differ, you know to look for a missing or doubled transaction before it throws your budget off.
Every transaction on a 3D calendar in six layouts you can turn and zoom, on every plan. ELITE+ adds an expense terrain, a pattern map and a cash-flow Sankey.
Connect a feed through SimpleFIN or BankSync with your own provider account, or Akahu, Up Bank, Monzo and Starling in the desktop app. Or import a statement from any bank: CSV, Excel, PDF, OFX, QFX, QIF, MT940 or CAMT.053.
Ask inside 2Fin, or connect ChatGPT or Claude through the MCP server with the access you approve. What is due this week or where the money went is answered from your own records.
Set a limit per category and a goal to save towards. Fin sorts each transaction as it lands, so the budget fills itself in.
Upcoming shows the next 7 to 90 days: bills, subscriptions, pay and money you are owed. Your daily burn shows what an ordinary day costs.
On ELITE+ and AUTO+, the cash flow forecast draws your balance for the next 30, 60 or 90 days and marks the low point and its date, so a bill or a transfer can move in time.
Use 2Fin in the browser, or the Windows app that keeps the database and receipts in a folder you own and works offline.
The list and the budgets are free. The day-by-day line is built from that same list.
| View | What it shows | Plan |
|---|---|---|
| Budgets and savings goals | A limit per category and a target to save towards, filled in as transactions land | Every plan, including Free |
| Upcoming | Bills, subscriptions, pay days and money you are owed, 7 to 90 days ahead | Every plan, including Free |
| Recurring patterns | Bills and subscriptions that repeat, with alerts when one is late, missing, larger, smaller or doubled | Every plan, including Free |
| Daily burn | What you spend on an ordinary day, against the window before | Every plan, including Free |
| Balance check | The balance 2Fin works out for the date on a bank statement, beside the one printed | Every plan, including Free |
| 3D calendar | Every transaction on a calendar you can turn, in six layouts | Every plan, including Free |
| Cash flow forecast | Your bank balance day by day for 30, 60 or 90 days, with the low point and its date | ELITE+ and AUTO+ |
The day-by-day line, what goes into it, and the free calculator that draws the same kind of line from figures you type.
Side-by-side comparisons, plan by plan, and free tools that need no account.
Zero-based budgeting, compared with budgets plus the tax side.
Budgeting for the US and Canada, compared with budgets and tax in every country.
Forecast-first budgeting from New Zealand, compared with a day-by-day forecast and the tax side.
Quicken Classic and Simplifi, compared with everyday money and tax in every country.
Draw a day-by-day balance from figures you type, free and without an account.
Repayments, extra payments and an offset, with a chart and a year-by-year table.
Government money services set out the same steps 2Fin keeps current from your transactions: know your income, list regular and irregular costs, set a goal, and review it each month.
An online budget template for income and expenses, with a spreadsheet version to download.
Five steps from income to a regular review, including irregular and yearly costs.
Setting goals, tracking spending, needs against wants, and a monthly review.
A budget in weekly, fortnightly, monthly or yearly views, with the suggestion to keep fixed bills in their own account.
Each page read on 12 November 2026.
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.
The European Court of Justice ruled in 2011 that Germany broke EU law by giving racehorses and saddle horses the same reduced VAT rate as farm animals destined for the dinner plate.
In Case C-453/09 (decided 12 May 2011) the Court held the reduced rate applies only to live animals 'normally intended' for food or feed, forcing Germany to charge full VAT on sport and leisure horses.
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 yourselfYes. Budgets per category, savings goals, the Upcoming list of bills and pay days, recurring patterns, your daily burn, balance check and the 3D calendar are all on the Free plan, with no card needed. The day-by-day forecast comes with ELITE+.
Yes. Fin finds the bills and subscriptions that repeat in your transactions, lists them on Upcoming before they are due, and tells you when one is late, missing, larger or smaller than usual, or charged twice.
Both, from the same transactions. Budgets, savings goals, bills, the Upcoming list and your daily burn are personal finance tools, free on every plan. The tax side switches on when you have work expenses or a side income, so nothing has to be entered twice.
The Upcoming list looks 7 to 90 days ahead on every plan. On ELITE+ and AUTO+ the cash flow forecast turns it into a day-by-day balance for 30, 60 or 90 days, with the lowest point and its date.
Connect a feed through SimpleFIN or BankSync with your own provider account, use Akahu, Up Bank, Monzo or Starling in the desktop app, or import a statement file from any bank: CSV, Excel, PDF, OFX, QFX, QIF, MT940 or CAMT.053.
Yes. The Windows app keeps the database and receipts in a folder on your machine and works offline, and the bank feeds you connect come from your own provider account.
In a portfolio tool such as Sharesight or Empower, which keeps the lots, cost basis and dividends. Fin keeps the cash, bills, property and assets around them, reads your accounts without ever moving money, and shows the whole month ahead.
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 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 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.
