Coconut is UK accounting for sole traders, landlords and CIS subcontractors — Open Banking feeds from over 25 UK providers, invoices, and HMRC-recognised Making Tax Digital for Income Tax, with Self Assessment filed directly. 2Fin is a tax and money app for employees and sole traders that works across borders: in the UK it prepares your VAT return boxes 1 to 9, keeps a live Self Assessment-shaped estimate, splits rental property costs into rented, business and private shares, and exports deductions labelled for HMRC.
Built differently where it counts — here is how.
Each transaction names the rule, pattern or decision that sorted it, and a correction teaches the next one from that merchant.
The VAT treatment is set per transaction as it arrives, and VAT return boxes 1 to 9 are filled from them, ready to check and file.
A property’s costs are split into rented, business and private shares, each from the date it applies, with its bills tied to it once.
Connect Claude or ChatGPT through 2Fin’s MCP server and ask what you spent, what looks deductible and who still owes you.
The same situation, in both
You earn a salary, let one flat and do occasional freelance work.
Coconut connects your UK accounts, records your rental and self-employed income, and files your Making Tax Digital updates and Self Assessment to HMRC, from £99.99 a year for bookkeeping.
Every transaction is tagged to your job, your freelance work, the flat or your private life; the flat’s costs split by share; and one estimate adds salary, self-employment and property income together, so you know the year’s position before anything is filed.
Pricing snapshot (October 2026): Coconut lists Bookkeeping at £99.99/year, Making Tax Digital filing at £129.99/year and the Full plan at £159.99/year, after a 14-day trial — see getcoconut.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$432 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 |
| 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 |
| 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 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, 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 yourselfIt prepares what you send. 2Fin keeps your income and expenses categorised as they arrive, fills VAT return boxes 1 to 9 and keeps a live Self Assessment-shaped estimate; you or your accountant then file through HMRC-recognised MTD software — Coconut is one. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. Each property’s costs are split into rented, business and private shares from the date each applies, bills are tied to the property once, and rental income sits in the same estimate as your salary or self-employment. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
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.
Invoicing with any toolKeep the invoicing tool your clients already pay; Fin tracks what each one owes and matches the payment when it lands — and your assistant can draft the next invoice.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
UK accounting for sole traders and small companies (NatWest Group)
vs XeroFull accounting suite for small businesses and their accountants
vs QuickBooksGlobal small-business accounting from Intuit
vs YNABZero-based budgeting app (You Need A Budget)
vs MonarchBudgeting and net-worth tracking for the US and Canada (Monarch Money)
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Get 2Fin free →See all comparisons, or explore free tax tools.