Hnry is a payroll service that handles your tax payments on your behalf — ideal if you want hands-off income handling. AI2Fin is an expense intelligence platform that reads your bank feed, surfaces deductions, and lets you query your real finances through ChatGPT and Claude. They solve different problems and can complement each other.
Not better in every way for every user — but meaningfully different where it counts.
Hnry works the income side, withholding tax as you are paid. AI2Fin works the expense side, reading what you actually spent and surfacing the deductions sitting in it — which is the half that decides what you get back.
Transactions are categorised as they arrive from your bank feed — business against personal, deductible against not — so there is no evening spent entering a quarter by hand.
The honest question about automated sorting is how you know it got it right. Each categorised row names where its category came from — a rule you wrote, a bill pattern, Fin, your bank, or the file it came in on — and you can change it inline. The How Fin decides page below walks ten real transactions through the chain end to end.
Fin writes a short read of what actually changed — the first one covers your whole history rather than an empty week, and it is written once a day at most, so opening it twice does not start it again. A dashboard asks you to go looking; this arrives already knowing what moved.
Connect to ChatGPT or Claude and query your finances in natural language. "How much did I spend on equipment this quarter?" gets a real answer.
Start at no cost. AI2Fin has a genuine free tier — upgrade only when the value is proven.
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: Hnry charges 1% +GST of income paid into your Hnry Account, capped at $1,500 +GST/year, with tax-agent lodgement 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 yourselfNo. Hnry works by having your income paid into a Hnry Account so tax can be withheld before the money reaches you. AI2Fin never sits in that path — it reads the bank account you already use, or a CSV or PDF statement you import, so clients keep paying you exactly as they do today and nothing about your invoicing has to change.
Usually on the sticker, but compare what each one buys before you decide. Hnry charges 1% +GST of every payment into your Hnry Account, capped at $1,500 +GST a year, and that fee includes lodgement of your return and BAS by their registered tax agents. AI2Fin is a subscription with a free plan, and it does not lodge anything — so if you switch purely on price and still need someone to lodge, you are comparing a fee that includes an accountant against one that does not. The comparison that matters is total cost with your lodgement arrangement counted in.
You or your accountant. This is the clearest line between the two: Hnry’s registered tax agents lodge for you as part of the fee, and AI2Fin does not lodge at all. What AI2Fin does is arrive at lodgement time with the year already sorted — categorised transactions, GST captured per line, deductions surfaced with their receipts attached, and an accountant pack to hand over. If having lodgement included is the reason you chose Hnry, that reason still stands.
Not directly — they solve different problems. Hnry handles income tax withholding as a payroll service. AI2Fin handles expense intelligence: reading your bank feed, categorising spending, and surfacing deductions. Many self-employed people could use both: Hnry for income handling and AI2Fin for expense tracking. AI2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
No. AI2Fin surfaces deductions and organises your expense records. It does not lodge returns or remit tax on your behalf — for that, an accountant or a service like Hnry is the right tool.
AI2Fin is best for the expense and deduction side of self-employment finances — automatic categorisation, deduction surfacing from your real bank feed, and ChatGPT & Claude integration. Hnry is best for income-side tax handling.
Hnry has to hold your records to pay your tax as you earn — that is what the service is. 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.
Rental property, split by useOne address split into rented, business and private shares, with its bills and assets tied to it and a schedule that follows your country’s rental form.
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