ForeFlow is built for trades and service business owners in Australia and New Zealand: it sits on Xero or MYOB and job software such as Simpro or ServiceM8, forecasts cash 90 days out, and adds a simulator and team dashboards for a business with a crew. 2Fin reads the money itself, from a bank feed you connect or a statement you upload, so the same day-by-day forecast works for an employee, a freelancer, a creator, a driver, a trader or a small business, in every country, starting on a free plan.
Built differently where it counts — here is how.
A salary, a stream of invoices, platform payouts, weekly driver pay or the cash around a trading account: Fin forecasts from the money as it moves, so no trade, ledger or payroll is assumed. 2Fin is offered in every country.
Connect a bank feed with your own key, upload a statement or point Fin at a spreadsheet. Bills, pay days and money owed are found in your transactions, so the forecast works before you have bookkeeping software, and alongside it when you do.
The forecast marks the lowest balance and its date, lists every scheduled item under the line, and notes what it left out: overdue bills, cards and loans, other currencies. Every dollar is counted once.
The same transactions feed a live estimate of your refund or what you owe, deductions surfaced as they happen, receipts matched, and statements prepared for your accountant or tax authority.
Upcoming, recurring patterns and your daily burn rate are free on every plan. The Windows desktop app keeps your database and receipts in a folder you own.
The same situation, in both
Rent of $1,850 is due in three days, and a client owes you $2,400 next week.
ForeFlow answers this for a trades or service business: it reads the invoice from Xero or MYOB and the job from Simpro or ServiceM8, and places both in its 90-day CashDash forecast, from $190 AUD a month after a 30-day trial.
You record what the client owes, or Fin finds it from a repeating payment, and rent is already a tracked bill. The forecast shows the dip below today’s balance in three days and the recovery when the invoice lands, from your own bank feed, with no ledger or job software in between.
Pricing snapshot: ForeFlow is $190, $390 or $990 AUD a month (Lite, Pro, Enterprise) after a 30-day trial with no card; 2Fin starts free, and the cash flow forecast is on ELITE+ and AUTO+.
Based on publicly available information. Competitor features and pricing may change — verify directly.
What each plan costs and what it includes for forecasting. ForeFlow prices are its public list prices in Australian dollars; 2Fin prices come from the pricing page.
| Product | Plan | List price | What it includes |
|---|---|---|---|
| 2Fin · Free | Free | US$0 | Upcoming with every bill, pay day and payment you are owed; recurring patterns; expected income matched when it lands; your daily burn rate; budgets; statement uploads and a bank feed you connect yourself; the desktop app. No card. |
| 2Fin · Elite+ | Elite+ | US$20.58/month for 2 months, then US$42/month (Fin Launch Ween until 27 Oct) | Everything in Premium plus the cash flow forecast for 30, 60 or 90 days, the Insight+ forecast, BAS, VAT and GST statements, and the asset register. |
| ForeFlow · Lite | Lite | A$190/month | CashDash, SalesDash and TeamDash, Budget and Pricing, BoardRoom, direct bank feeds, one user. |
| ForeFlow · Pro | Pro | A$390/month | Everything in Lite plus FlowPilot with a weekly pulse, up to five users. |
| ForeFlow · Enterprise | Enterprise | A$990/month | Everything in Pro plus a daily FlowPilot pulse, unlimited FlowLab simulations, MCP access and up to five businesses. |
Prices as of October 2026, from each product’s public pricing page. They may have changed — 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. Fin Launch Ween, until 27 Oct: 51% off new subscriptions. Premium is US$11.27 a month for your first 2 months or US$108.78 for your first year, ELITE+ is US$20.58 a month for your first 2 months or US$205.80 for your first year, and AUTO+ is US$26.46 a month for your first 2 months or US$271.95 for your first year, then the regular price.
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$11.27/month for 2 months, then US$23/month (Fin Launch Ween until 27 Oct) | ELITE+US$20.58/month for 2 months, then US$42/month (Fin Launch Ween until 27 Oct) | AUTO+US$26.46/month for 2 months, then US$54/month (Fin Launch Ween until 27 Oct) |
|---|---|---|---|---|
| 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 |
| 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. 2Fin forecasts cash from the money itself, so it suits anyone whose income arrives unevenly: freelancers, consultants, creators and streamers, rideshare and delivery drivers, online sellers, traders and small businesses, as well as employees. It draws your balance day by day for the next 30, 60 or 90 days and marks the low point and its date.
Not at all. 2Fin works from a bank feed you connect with your own key, a statement upload or a spreadsheet feed, and finds your bills, pay days and money owed in those transactions. If you do keep books in Xero or QuickBooks Online, 2Fin can push coded entries to them (beta).
Keep invoicing in your job software. Record what each client owes in 2Fin, or upload the invoice, and it waits on its due date in the forecast; when the payment lands in your bank feed, Fin links it and counts it as income. ForeFlow connects to Simpro, ServiceM8, Fergus and ServiceTitan directly.
ForeFlow’s FlowLab models a hire, a rate rise or a purchase over twelve months on a business’s own figures, and it is the deeper tool for that job. 2Fin’s free cash flow forecast calculator has a what-if test for one cost, showing how it moves your lowest balance, and the 2Fin forecast shows the next 90 days from your own records.
ForeFlow is $190, $390 or $990 AUD a month after a 30-day trial. 2Fin starts free, with Upcoming, recurring patterns and your daily burn rate on the free plan; the cash flow forecast is on ELITE+ and AUTO+. ForeFlow’s plans also include team, sales and valuation dashboards built for a trades business.
ForeFlow covers Australia and New Zealand, with bank feeds through Basiq and Akahu. 2Fin is offered in every country, with bank feeds you connect through BankSync or SimpleFIN, statement uploads everywhere, and tax estimates for several countries.
The parts of 2Fin behind the comparison above — what each one does for you, and how it reaches the answer.
Your 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.
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.
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.
Recurring patterns & alertsFin finds the payments that repeat in your own transactions and alerts you in the app when one is late, missing or costs more than usual.
Free plan, no card needed. Start in seconds.
Get 2Fin free →See all comparisons, or explore free tax tools.
