For side hustles

A side hustle app that starts free and grows with the project

Most side projects start small: a few sales, a commission, a weekend gig. 2Fin is free for your own money, so you can see what the side hustle actually brings in from the first sale. When it starts earning, Premium sorts every transaction and finds what the project can claim; when it becomes a business, ELITE+ adds invoices, GST or VAT and the day-by-day forecast. Your job and your project stay in one account, each transaction marked business or personal, so nothing has to move as it grows.

AES-256 encryptionRead-only bank feedsFree planCancel anytime
Business or personal, deductible or not — typed for you.
Snap a receipt and Fin reads it into the expense.

What Fin does for you

Your job and your project, kept apart

Mark each transaction business or personal, and split a payment that covered both, so the side project’s money reads on its own. Splitting is free on every plan.

What it really brings in

The project’s income and costs add up as they land, so you can see whether it makes money long before a tax return asks.

What it can claim, on Premium

Materials, software, gear and the work share of your phone are flagged as they happen, with the receipt kept beside each one. 2Fin helps you find and organise potential deductions; always confirm what applies to you with your accountant or tax authority.

Grow without moving

When the project becomes a business, ELITE+ adds invoices, GST or VAT statements and the cash flow forecast to the same records.

Free for your money. It grows when you do.

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.

  1. Step 1 · Free

    Your money

    See and plan the money in your own name, with no card and no time limit.

    • Live feeds from your own sheet or bank-feed account
    • Statement uploads into buckets
    • Photo and PDF receipts, read and matched
    • Budgets against what you actually spent
    • Upcoming bills, pay days and money you are owed
    • Daily burn rate
    • Desktop app, with your data on your machine

    Free, no card

  2. Step 2 · Premium

    A side income starts

    When money comes in from something of your own, Fin sorts it and finds what you can claim.

    • Automatic categories
    • Your own categorising rules
    • Tax analysis that knows your situation
    • Tax exports, including ATO myDeductions
    • Email the year to your accountant

    US$23/month

  3. Step 3 · ELITE+

    It becomes a business

    Invoices, GST or VAT, the day-by-day forecast and the reports an accountant asks for.

    • Invoices your customer can open and pay from
    • BAS, VAT and GST statements
    • Cash flow forecast for the next 30, 60 or 90 days
    • Asset register, depreciation, profit & loss and TPAR
    • Send transactions to Xero or QuickBooks Online

    US$42/month

  4. Step 4 · AUTO+

    It runs itself

    Receipts and reports arrive on their own, and your other tools hear about each change.

    • Forward receipts by email
    • Reports emailed on the schedule you set
    • Signed webhooks for Zapier, Make and n8n

    US$54/month

Each step keeps everything before it. Compare every plan

Is it a hobby or a business? Ask your tax authority

Whether a side project counts as 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.

  • Registering for GST — Australian Taxation Office

    When registering for GST becomes compulsory, including the annual turnover threshold.

  • Check if you need to tell HMRC about additional income — GOV.UK (HM Revenue and Customs)

    Selling online or at auctions, casual jobs and renting out property, and when HMRC needs to hear about them.

  • Business activities — Internal Revenue Service (US)

    A trade or business needs a profit motive, and a part-time business beside a job can still be self-employment.

  • Is your hobby a business? — Inland Revenue (New Zealand)

    Intending to make a profit, doing it regularly and relying on the income are the signs of a business.

Each page read on 12 November 2026.

Did you know?

Since September 1999 individuals who hold an asset for at least a year pay CGT on only half the gain — a 50% discount that replaced cost-base indexation. Companies get no discount; super funds get one-third.

Wikipedia: the Howard government ended indexation in September 1999 and 'introduced a 50% discount on the capital gain for individual taxpayers'; 'If an asset is held for at least 1 year then any gain is first discounted by 50% for individual taxpayers'; 'The 50% CGT discount is not available to companies'; superannuation funds 'are entitled only to a 33% CGT discount'.

Source: Wikipedia — Capital gains tax in Australia ↗

Colombia writes its tax thresholds in 'UVT' — a tax value unit updated at least once a year — so the law never needs rewriting for inflation; it also skims 0.4% off every financial transaction.

Wikipedia: the UVT value 'is updated at least every year' (33,156 pesos in 2018); 'A 0.4% tax rate is imposed on all financial transactions'; a patrimony tax 'requires the annual payment of 1% of the total patrimony' above a set threshold.

Source: Wikipedia — Taxation in Colombia ↗
More fascinating tax facts from around the world →

Your data can stay on your machineVerify it yourself →

AI2Fin pricing and plans

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.

MonthlyAnnual Save up to 20%

FREE

Free
No card, no time limit

For students and anyone starting out: every record in one place, at no cost.

Included

  • Capture
  • Organise
  • Automate
  • Share
Get 2Fin free (opens in a new tab)
Most Popular

PREMIUM

US$23
USD / month

For employees and sole traders who want every deduction found and the busywork done.

Everything in Free, plus

  • Organise
  • Tax
  • Automate
Start Premium (opens in a new tab)
Best Value

ELITE+

US$42
USD / month

For businesses and accountants who lodge, report and keep the books.

Everything in Premium, plus

  • Organise
  • Tax
  • Automate
  • ShareGoogle SheetsMicrosoft ExcelNotionAirtable
Start ELITE+ (opens in a new tab)
Most Automated

AUTO+

US$54
USD / month

For owners who want receipts and reports to arrive on their own.

Everything in ELITE+, plus

  • Capture
  • Automate
Start AUTO+ (opens in a new tab)

Swipe to see every plan

Compare all features

Every 2Fin plan side by side, grouped by what you do
What each 2Fin plan includes
FeatureFREEUS$0PREMIUMUS$23 / monthELITE+US$42 / monthAUTO+US$54 / month
Capture
Statement uploads into bucketsCSV, Excel or PDF. On the free desktop app, statements come in through the CSV import insteadIncludedIncludedIncludedIncluded
Live feeds from your own sheet or bank-feed accountA Google Sheet, or a provider account you hold such as SimpleFIN or BankSyncIncludedIncludedIncludedIncluded
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 upIncludedIncludedIncludedIncluded
Forward receipts by emailNot includedNot includedNot includedIncluded
Organise
Transactions, categories and bills in one placeIncluding recurring paymentsIncludedIncludedIncludedIncluded
Upcoming bills, pay days and money you are owedPayments matched to what you are owed as they landIncludedIncludedIncludedIncluded
Invoices your customer can open and pay fromYour own payment link, repeating invoices and overdue remindersNot includedNot includedIncludedIncluded
Balance check against a bank statementWith the likely reasons for any differenceIncludedIncludedIncludedIncluded
Data history, with UndoFin’s changes and import reviews undo for 30 daysIncludedIncludedIncludedIncluded
Daily burn rateIncludedIncludedIncludedIncluded
Cash flow forecast for the next 30, 60 or 90 daysNot includedNot includedIncludedIncluded
Budgets against what you actually spentIncludedIncludedIncludedIncluded
Travel and vehicle tripsIncludedIncludedIncludedIncluded
Properties: what each one really costsRented, business and private partsIncludedIncludedIncludedIncluded
Clubs and charities: funds, members and eventsGift Aid donors for UK charities and CASCsIncludedIncludedIncludedIncluded
Automatic categoriesNot includedIncludedIncludedIncluded
Your own categorising rulesNot includedIncludedIncludedIncluded
Spending and bills analyticsNot includedIncludedIncludedIncluded
Views by project, client or tax purposeCalled Lenses in the app; the Properties lens is built in on every planNot includedNot includedIncludedIncluded
Tax
Tax analysis that knows your situationNot includedIncludedIncludedIncluded
Tax exports, including ATO myDeductionsNot includedIncludedIncludedIncluded
Tax reports and summariesNot includedNot includedIncludedIncluded
BAS, VAT and GST statementsNot includedNot includedIncludedIncluded
Asset register, depreciation, profit & loss and TPARNot includedNot includedIncludedIncluded
Aged receivables and payables, and a balance sheet as at todayWith loan and prepaid expense schedulesNot includedNot includedIncludedIncluded
Property write-offs and scheduleDepreciation, capital works, a schedule for your accountantNot includedNot includedIncludedIncluded
Automate
Ask Fin about your money25 messages a monthUnlimitedUnlimitedUnlimited
Fin reads the files you uploadNot includedIncludedIncludedIncluded
Fin, your assistant, with its own workspaceNot includedNot includedIncludedIncluded
Your week in review, on the dashboardIncludedIncludedIncludedIncluded
Signed webhooks for Zapier, Make and n8nNot includedNot includedNot includedIncluded
Reports emailed on the schedule you setNot includedNot includedNot includedIncluded
Share
Push to Google Sheets, Excel, Notion or AirtableBank-feed transactions includedNot includedNot includedIncludedIncluded
Send transactions to Xero or QuickBooks OnlineCoded, with the receipt attachedNot includedNot includedIncludedIncluded
Email the year to your accountantThe accountant pack and journal file, in your name; web appNot includedIncludedIncludedIncluded
Practice workspace for accountantsYour clients can be on any planNot includedNot includedIncludedIncluded
Team access with rolesViewer, bookkeeper or admin; teammates need no planNot includedNot includedIncludedIncluded
Connect Claude or ChatGPT, with the access you approveWhat they can read follows your planIncludedIncludedIncludedIncluded
Desktop app, with your data on your machineIncludedIncludedIncludedIncluded

ENTERPRISE

Custom

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.

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  • GDPR-aligned
  • Cancel anytime
  • Accountant-ready exports in every country
  • Setup in 5 minutes
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Side hustles — common questions

Is my side hustle a hobby or a business?

Your country’s tax authority decides, usually by whether you intend to make a profit, how regularly you do it and whether you run it in a businesslike way. The sources on this page link their own guidance, and 2Fin keeps the records either way, so the question is easy to check with your accountant.

Can I run a side hustle on the free plan?

Yes, for the money side: bank feeds from your own account, statement uploads, receipts read and matched, budgets and the Upcoming list of bills and pay days are free. Automatic sorting, tax analysis and tax exports start on Premium, and invoices and GST or VAT statements on ELITE+.

Do I need a separate bank account for my side project?

It helps but is not required. Mark each transaction business or personal, split one that paid for both, and the project reads on its own; if you open a separate account later, connect it beside the first.

When does a side hustle have to register for GST?

In Australia, registering becomes compulsory once your business turnover reaches the threshold on the ATO page linked here; other countries set their own rules for GST or VAT. Once you are registered, ELITE+ prepares the BAS, VAT or GST statement from your transactions.

What happens to my records when I upgrade?

Nothing moves. Every plan works on the same records, so upgrading only switches on more of what Fin does with them.

Start free — your money, sorted

Let Fin handle the busywork while you get on with what matters.

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