FlyFin is a US tax service for freelancers, focused on filing returns. AI2Fin is an intelligent expense tracking platform built for the Australian market — connecting to your AU bank, surfacing GST-eligible deductions, and adding something genuinely new: the ability to ask ChatGPT or Claude questions about your real financial data.
Not better in every way for every user — but meaningfully different where it counts.
Every surfaced deduction states where its category came from and keeps the source document attached, so what you claim can still be explained months later — by you, to whoever asks.
AU bank feeds, GST, BAS reporting, and AU deduction categories built in — not retrofitted from a US product.
Rather than reviewing your expenses at tax time, AI2Fin surfaces deductions throughout the year as transactions arrive — so EOFY is a review, not a scramble. AI2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Connect AI2Fin to ChatGPT or Claude and ask questions about your actual spending, deductions, and financial patterns.
Start with a genuine free tier and upgrade when the value is clear.
AI2Fin also ships as a desktop app for Windows, macOS and Linux. Your database and receipts live in a folder you own and can open, the free plan needs no account, and the app keeps a record of every outbound request it makes — where it went and how much, never what the rows said.
On the desktop app you can bring your own Anthropic, OpenAI or Bedrock key, or point Fin at a model already running on your computer (Ollama, LM Studio). Requests go straight from your machine to your provider — or never leave it at all — and AI2Fin’s servers are not in the path.
Pricing snapshot: FlyFin plans are about US$16–$29/month billed annually, with CPA-prepared US filing included; AI2Fin starts free.
Based on publicly available information. Competitor features and pricing may change — verify directly.
Both are good tools — the right pick depends on what your business needs most.
AI2Fin 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 |
| 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, read-only by defaultWhat 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 yourselfFlyFin is designed for the US tax system. AI2Fin is built for Australia — with GST, BAS, and AU bank connections. AI2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
AI2Fin does not lodge your return — it organises and surfaces the expense data and deductions so that process is as fast and accurate as possible, whether you file yourself or work with an accountant.
Native AU bank connections, GST/BAS support, AU-specific deduction categories, a full desktop web experience, and the MCP integration that lets you query your finances through ChatGPT or Claude.
FlyFin is a hosted app, so your transactions live on its servers. AI2Fin runs as a hosted service too, and also ships as a desktop app for Windows, macOS and Linux where your database and receipts are files in a folder you own — you can open it, copy it and back it up, and the free plan needs no account. The desktop app lists every outbound request it makes, with a switch for each connection, and if you bring your own provider key or run a local model, nothing of yours has to reach AI2Fin’s servers at all.
The parts of AI2Fin 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.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Asset register & depreciationLog a purchase once: the effective life, each year’s decline and your private-use share are carried for you as separate columns.
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