Your quarter, read by Fin
Hand Fin a business bank statement and get the quarter back the way 2Fin sees it: what you kept, the BAS figure by figure, what falls due in the next 30 days and how cash moved. It stays on this page.
Hand Fin a bank statement
A CSV export of your business account. A quarter reads best. Drop it anywhere on this card.
No statement handy? Borrow one
Invented businesses, three months each, July to September 2026.
Jordan, rideshare and delivery
Sole trader driving for three platforms · GST from the first dollar
Seagrass Physio
Clinic with two physios · GST-free sales, so a refund
Saltbush & Wick
Candles sold online and at markets · Stock, postage and a spring rush
Read on your device. The file is never uploaded, stored or tracked, and closing the tab clears it.
Runs in your browser
Calculated on this page
Indicative figures
A planning aid, not advice
Free, no sign-up
No card, no usage limits
The quick answer
Export a quarter of your business account as CSV and hand it to Fin on this page. Fin places every line, sets transfers, loans and tax payments aside, and reads the quarter back as a rough BAS with its due date, the next 30 days of repeating payments and what you kept, without the file leaving your device.
What Fin hands back
- Fin’s read: the quarter in a sentence or two — how much of every dollar that came in was kept, what the BAS will ask for and by when, and what goes out on repeat each month.
- The quarter as a BAS: total sales (G1), GST on sales (1A) and GST on purchases (1B), each opening to the lines behind it, with the amount to pay or to get back. Sales that carry no GST, like most health care, turn the quarter into a refund. Work a BAS out by hand.
- Coming up: the next 30 days of bills and payouts that come round every week, fortnight, month or quarter, laid out by date, with the BAS on the day it falls due. How 2Fin follows repeating bills.
- Cash across the quarter, with the lowest point marked, and where the money went by category.
- What Fin noticed, and answers to set questions: which month went best and why, what you paid the tax office, and what your accountant is likely to ask about.
Getting a clean result
- Use the business account, and export a whole quarter so repeats and the GST figure line up with a BAS period.
- Pick the CSV format in online banking, not PDF. Most banks offer it beside the statement download, sometimes called “Export transactions”.
- Lines Fin cannot place stay in the list under “Not placed”, so nothing is hidden.
General information for planning, not tax or accounting advice. Your registered tax or BAS agent can confirm what applies to your business.
Inside 2Fin, every quarter
Invoices that get paid
Send invoices, let customers view and pay online, repeat them on a schedule and remind late payers.
The BAS from your own lines
Each figure on the activity statement opens to the transactions behind it.
What is coming up
Repeating bills and expected payments in one list, with the money you will have on each day.
Assets and depreciation
Large purchases go on the asset register with the depreciation your country allows.
Trying 2Fin on your own file — common questions
Is my bank statement uploaded when I try this?
No. The file is read on this page, on your own device, and every figure is worked out there. Nothing is uploaded, stored, put in the address bar or sent to analytics, and closing the tab clears it. That is also why there is no link to share a result.
Which bank files can I use?
A CSV export from online banking with a date, a description and either one amount column or separate debit and credit columns. Fin finds the header row past any account details above it and reads dates written as 03/07/2026, 2026-07-03 or 03 Jul 2026. Inside 2Fin, PDF, Excel, OFX, QIF and other statement formats are read too.
How does Fin sort the lines without seeing my account?
By the words banks print on each line. Payroll and super, rent, stock suppliers, power, phone, software, fuel and tolls, insurance, card takings and customer payments each have their own category, and transfers, loan repayments, drawings and tax payments are set aside because they move money without being income or a cost. Lines Fin cannot place are listed so you can see them.
How close is the GST figure to my real BAS?
It is a rough figure for planning: one eleventh of the takings and customer payments, less one eleventh of the purchases that usually carry GST, for an Australian business registered for GST. Tick the box if your sales carry no GST, such as most health care, and only the GST in your costs is counted, as a refund. Wages, super, bank fees and interest carry none, and transfers, loans and tax payments are left out. The due date assumes you lodge the quarterly BAS yourself; a tax or BAS agent may have later dates. A real BAS comes from your invoices and receipts, which 2Fin reads alongside the bank lines.
What does 2Fin do with the same file after I sign up?
It keeps going. Each import is sorted the same way and remembers the categories you correct, repeating bills become reminders with their next date, invoices you send are matched to the payments that pay them, and the activity statement fills in from your own lines. Your accountant can be invited to read the books or sent the year as a pack and a journal file.
Who are the sample businesses?
Invented, each picked for what its tax does. Jordan drives rideshare and delivery, and carrying passengers means GST from the first dollar. Seagrass Physio sells treatments that carry no GST, so its quarter is a refund. Saltbush & Wick sells candles online and at markets, with stock, postage and a spring rush. Every line is made up, each file uses a different bank layout, and each covers July to September 2026, one BAS quarter.
Every quarter, read as it happens
Bring the business account into 2Fin and Fin reads each import the same way, from the first statement to the activity statement.
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