FreeAgent is UK accounting software owned by NatWest Group — invoicing, Open Banking feeds, and Making Tax Digital filing for VAT and Income Tax, with Self Assessment sent straight to HMRC. 2Fin is a tax and money app for employees and sole traders that works across borders: in the UK it gives you a Self Assessment-shaped estimate with Class 2 and 4 National Insurance, prepares your VAT return boxes 1 to 9, follows HMRC capital allowances and exports deductions labelled for HMRC — and the same account carries on if your work takes you to Australia, the US, Canada or India.
Built differently where it counts — here is how.
Every transaction is categorised as it lands and names where its category came from — a rule, a learned pattern or Fin — so a correction teaches the next one rather than vanishing into a ledger.
Claimable costs are flagged in the week they happen, with the receipt attached and the business share set, so January is a review rather than a search. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
A UK estimate today, and the estimate for Australia, the US, Canada or India if you move or earn across a border — with GST, VAT or sales tax on record for 88 countries.
Ask what you spent, what looks deductible and who still owes you, through 2Fin’s MCP server, with the access you approve on the consent screen.
The same situation, in both
You are VAT-registered and a quarter has just closed.
FreeAgent builds the return from your books and files it to HMRC under Making Tax Digital, with the Flat Rate Scheme and cash accounting supported.
Fin has already set the VAT treatment on every transaction as it arrived, with the reasoning shown, and fills VAT return boxes 1 to 9 from them — figures you can check line by line, then file through your MTD software or your accountant.
Pricing snapshot (October 2026): FreeAgent is £19/month for sole traders (excluding VAT), with 50% off at the start and a 30-day trial, and free with an eligible NatWest, RBS, Ulster Bank or Mettle account — see freeagent.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 yourselfYou file, with the figures already done — through Making Tax Digital software or your accountant. 2Fin fills VAT return boxes 1 to 9 from transactions it has already treated, and keeps a live Self Assessment-shaped estimate with Class 2 and 4 National Insurance through the year. FreeAgent files both to HMRC itself, which suits you if one app for books and filing is the priority. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. Some sole traders keep FreeAgent for invoicing and filing and use 2Fin for the day-to-day: transactions sorted as they arrive, deductions flagged with the receipt attached, and a view of the year in plain language — or through ChatGPT and Claude.
Yes. Each transaction, and each line of a split payment, is tagged to your job, your business or your private life, and the estimate adds your employment and self-employment income together, with property, savings and dividends where you have them. 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.
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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