For property investors
Investment property expense tracking falls apart when every cost lands in one pile. Give each address a place in AI2Fin and the rates, the strata levy, the plumber and the loan interest add up against that property — while every one of them keeps the tax category it already had.
A property is a second label on a record, not a replacement for its category. Assign a transaction or a repeating bill to 12 Smith St and it is still Repairs, still Council Rates, still Interest — it just also belongs somewhere.
Open a property and the year breaks down the way you would write it out yourself: rates, strata, repairs, interest, each with a total and the records behind it. Change the period and every figure moves with it.
Money coming in is shown as income against the property rather than quietly netted off against what it cost you. Transfers between your own accounts are left out of the spend figure entirely, so a loan redraw never reads as a repair bill.
Rates, water, strata and insurance arrive on their own rhythm, and each is recognised as a repeating bill from your real history. Tie the pattern to the property once and every future instalment lands on it without being told again.
A property is rarely one kind of expense. These are the costs that usually attach to an address, what each one generally is at tax time, and which part of AI2Fin produces the number — confirm the treatment of your own costs with your accountant.
| The cost | What it usually is | Where the figure comes from |
|---|---|---|
| Loan interest | Ongoing, while the property is earning rent | The loan account’s own feed, with the property assigned to it |
| Council rates and water | Ongoing | A recognised repeating bill, tied once to the property |
| Strata or body corporate | Ongoing — though a special levy can be capital | The quarterly payment, assigned like any other record |
| Repairs and maintenance | Usually claimed in the year you pay it | The transaction, still categorised as Repairs, with the property as a second label |
| Appliances and improvements | Written down over time rather than claimed at once | The asset register, which runs the schedule from the effective life |
| Rent received | Income | The deposit, shown as income against that property instead of disappearing into one total |
A tub of Chobani yoghurt became taxable purely because it came with a separate pouch of cookie and white-chocolate pieces — making it a 'combination food'.
In a 16 June 2023 ruling the Administrative Appeals Tribunal sided with the Tax Commissioner that Chobani's Flip Strawberry Shortcake yoghurt, sold with baked cookie and white-chocolate bits, was a taxable combination food rather than GST-free plain yoghurt.
The reason for all that upheaval: on the World Bank's Paying Taxes measure Brazil ranked 181st of 190 countries, with a typical company spending about 2,038 hours a year simply complying — roughly double the next most demanding country, Bolivia.
Companies in Mexico and Chile spent an average of 291 and 286 hours on the same exercise. Brazil's overall tax burden was reckoned to reach as much as 68% of a company's total income.
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| 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 |
| 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 | 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 |
| 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, read-only by defaultWhat 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. Each property is a place with its own totals — what it cost, what it earned, how many records and repeating bills belong to it — and the period is yours to set, so a financial year, a quarter, or the months since a tenant moved in are all the same question. Open the property and the spend breaks down by category with the records behind each line.
No, and that is the whole design. A property is a second axis: the plumber at one rental is still Repairs, and the rates notice is still Council Rates, so the activity statement and the deduction list read exactly as they did before. Naming a location never spends the tax category on it. AI2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Not today, and it is better to say so than to let you rely on it. What you get is the history: a repeating cost is recognised from your own transactions, so you can see what the last few instalments were, roughly what the next one looks like, and which property it belongs to. Due-date alerts are not part of it yet.
Removing a place takes the label off — it never deletes a transaction or a bill. The confirmation says exactly how many records and how many repeating bills are about to be unlabelled before anything happens, and those records keep their category, amount and date. Create the place again and you can reassign them.
Broadly, mending something is claimed in the year you pay for it, while replacing it with a new asset is written down over its effective life — which is why the appliance belongs in the asset register and the plumber stays a repair on the property. Add either from its bank transaction and the schedule runs itself. AI2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.
Yes. The list shows every place side by side for the same period, each with its spend, its income and how many records it carries, so the one quietly costing more than it returns is visible without exporting anything. Vehicles and business premises can be places too, if the question you have is what a thing costs rather than what a category costs.
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 accountants and bookkeepersRead-only client summaries, every read logged; year-end in one pack
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