Claude Personal Finance, opened by Anthropic as a US beta on 5 November 2026, lets Pro, Max and Ultra subscribers link bank and card accounts through Plaid and ask Claude about them: spending by category, duplicate charges, unexpected fees, rising bills and the interest a card has cost — read-only, with no ads. 2Fin is the ledger underneath the conversation. Every transaction is categorised as it arrives and keeps the reason for its category, deductions and GST or VAT build up through the year, and the tax figures are worked out in code from a dated rate ledger. Claude can read those records through 2Fin’s MCP server — so you keep asking in Claude, wherever you live, and the answers come from books that are already in order.
Built differently where it counts — here is how.
Connect Claude to 2Fin’s MCP server and ask what you spent, what looks deductible and what is due next. The answer comes from your categorised records, with the access you approve on the consent screen.
Fix a category once and a rule applies it to every matching transaction after it. Each category shows where it came from — your rule, a learned pattern or Fin — so the books get sharper every month instead of starting fresh in each chat.
GST, VAT, income-tax brackets and levies are calculated in code from one rate ledger, each rate dated to the period it applies to, so the same inputs always give the same figure. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
The same records work in Claude, ChatGPT or Cursor, in the web app, or on your own machine with the desktop app — and in every country, with income-tax estimates in five.
The same situation, in both
In October you want to know what eating out has cost you this year. In June you need your work-related costs for your return.
Claude reads up to two years of your linked transactions and answers in the conversation — a clear picture of where the money went, built from what Plaid sends.
Every transaction was categorised as it arrived and tagged business, work-related or personal, so in June the deductions are already totalled, ready to export labelled for your tax authority. Ask Claude the same question through 2Fin’s MCP server and the answer comes from those same records.
Pricing snapshot (November 2026): Claude Personal Finance is in beta for US subscribers on Claude’s Pro, Max and Ultra plans — see claude.com for current pricing; 2Fin starts free, with Premium at US$23/month, and connecting Claude to 2Fin uses the plan you already have with each.
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. Connect Claude to 2Fin’s MCP server and Claude can read your categorised 2Fin records — spending, what looks deductible, bills and money you are owed — with the access you approve on the consent screen. You ask in Claude; 2Fin keeps the books.
As of November 2026 it is a beta for US subscribers on the Pro, Max and Ultra plans. 2Fin works in every country, with income-tax estimates in five and GST, VAT or sales tax on record for each, and Claude can read your 2Fin records through MCP wherever you use it.
Its beta focuses on understanding spending — categories, duplicate charges, fees, rising bills and card interest. 2Fin tags each transaction business, work-related or personal as it arrives, builds up deductions and GST or VAT through the year 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.
A conversation answers the question in front of it; a ledger keeps the answer. In 2Fin the category you fix becomes a rule, each figure shows where it came from, your history stays in one place you can export, and any assistant you connect next reads the same books.
In your 2Fin account on the web, or in a folder on your own computer with the Windows desktop app, which can use your own model key or a local model. Claude reads them only through the MCP connection you approve, and you can disconnect it at any time.
Yes. Finished transactions go to Google Sheets, Excel, Notion or Airtable as rows, and the web app shows them as interactive views — a month of daily towers, a category heatmap, cash-flow ribbons — where you can click through to the transactions behind any figure.
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.
Upcoming moneyFin puts every bill, pay day and payment you are owed on one list, with transfers kept out of your totals — free on every plan.
A finance dashboard and chat inside ChatGPT, in preview for US Pro users (OpenAI)
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.
