OpenAI previewed a personal-finance experience in ChatGPT on 15 May 2026 for Pro users in the United States: you link accounts through Plaid, from more than 12,000 institutions, and get a dashboard of portfolio performance, spending, subscriptions and upcoming payments, with questions answered in chat on the web and iOS. 2Fin is the ledger you keep beside it — every transaction categorised as it arrives, with the reason shown, deductions and GST or VAT built up through the year, and tax worked out in code from a dated rate ledger. ChatGPT can read those records through 2Fin’s MCP server, and so can Claude or any assistant you switch to.
Built differently where it counts — here is how.
Connect ChatGPT to 2Fin’s MCP server and ask about your categorised records — spending, deductions, bills and money you are owed — with each permission named on the consent screen.
Rows to Google Sheets, Excel, Notion or Airtable as transactions are finished, and interactive views in the web app — daily towers, a category landscape, cash-flow ribbons — that click through to the transactions behind each figure.
Income-tax estimates in five countries and GST or VAT per transaction, calculated in code from a dated rate ledger, with exports labelled for the IRS, HMRC, the CRA, the ATO and more. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Your records stay in 2Fin — on the web or in a folder on your own machine — and any assistant you connect reads the same books. Change assistant and nothing has to move.
The same situation, in both
You freelance, pay for several subscriptions on one card and set money aside for tax each quarter.
ChatGPT’s dashboard shows your spending, subscriptions and upcoming payments, and you can ask it to review them or plan a goal in chat.
Each subscription is tagged business or personal as it lands, the business share counts toward your deductions and GST or VAT, the estimate shows what you are likely to owe, and the cash flow forecast on ELITE+ shows the lowest point before the bill is due. Ask ChatGPT through 2Fin’s MCP server and it reads the same figures.
Pricing snapshot (November 2026): ChatGPT’s finance experience is in preview for US users on ChatGPT Pro, with Plus and others planned — see openai.com for current pricing; 2Fin starts free, with Premium at US$23/month.
Based on publicly available information. Competitor features and pricing may change — verify directly.
Three things you notice in the first week with 2Fin, whichever tool you are coming from.
A 3D calendar of every transaction in six layouts on every plan, and on ELITE+ an expense terrain, a pattern map and a cash-flow Sankey you can turn and zoom.
Interactive views →Each category projects where you will land from what you have spent so far, flags what is running ahead and suggests limits from your real spending — free.
Budget allocations →An Integrations API, API keys, signed webhooks and an MCP server, documented end to end — and invoices from any tool, tracked to paid.
For developers →Both are good tools — the right pick depends on what your business needs most.
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 getting 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 | 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 |
| Upcoming bills, pay days and money you are owedPayments matched to what you are owed as they land | 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 |
| 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 |
| 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. Add 2Fin’s MCP server to ChatGPT and approve the access on the consent screen. ChatGPT can then answer from your categorised records — spending, what looks deductible, upcoming bills and money owed to you — and change them only with a write permission you grant.
At its May 2026 launch it was a preview for ChatGPT Pro users in the United States, with Plus and others planned. 2Fin works in every country and has a free plan, and ChatGPT can read your 2Fin records through MCP wherever you use it.
OpenAI announced Intuit support as planned at launch, for questions such as the tax impact of selling shares. 2Fin works out deductions, GST or VAT and an income-tax estimate in five countries today, from a dated rate ledger, and exports them labelled for your tax authority. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
With 2Fin it stays where it is. Your categorised transactions, rules and exports live in your 2Fin account or on your own machine, and Claude, ChatGPT, Cursor and other assistants all read them through the same MCP server — so switching assistant moves nothing.
Yes. 2Fin sends finished transactions to Excel, Google Sheets, Notion or Airtable as rows, and exports CSV, an accountant ledger, journal and profit-and-loss files, plus the Accountant Pack — a year-end workbook, PDF summary and receipts.
It is the books ChatGPT can read. ChatGPT is where you ask and plan; 2Fin keeps the categorised ledger, the tax figures and the exports, and works with whichever assistant you prefer through its MCP server.
The parts of 2Fin behind the comparison above — what each one does for you, and how it reaches the answer.
Ten real transactions walked through the categorisation chain, so you can see why each one landed where it did rather than take it on trust.
Interactive 3D viewsA 3D calendar of every transaction in six layouts, Insight+ views you can turn and zoom, and budgets that project where you will land.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Cash flow forecastYour balance for the next 30, 60 or 90 days, drawn from your own bills, pay and invoices, with the low point and its date marked.
Spending analysis inside Claude, in beta for US subscribers (Anthropic)
vs YNABZero-based budgeting app (You Need A Budget)
vs MonarchBudgeting and net-worth tracking for the US and Canada (Monarch Money)
vs PocketSmithForecast-first budgeting from New Zealand
vs QuickenPersonal finance and investment tracking for the US and Canada (Quicken Classic and Simplifi)
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Get 2Fin free →See all comparisons, or explore free tax tools.
