AI2Fin vs Hnry — two different ways to handle self-employment finances

No. Hnry works by having your income paid into a Hnry Account so tax can be withheld before the money reaches you. 2Fin 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. 2Fin is a subscription with a free plan that prepares the year for whoever lodges — you, or an accountant you choose — so 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, while 2Fin hands the lodging to you or the accountant you choose and arrives 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. 2Fin handles expense intelligence: reading your bank feed, categorising spending, and surfacing deductions. Many self-employed people could use both: Hnry for income handling and 2Fin for expense tracking. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.

It records them rather than running them: the tax withheld from each pay is recorded per income stream, wage payments you make are categorised as they leave, and the live estimate shows what you are on track to owe or get back. Remitting tax and lodging stay with you, your accountant or a service like Hnry, working from the records 2Fin keeps.

2Fin 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. 2Fin runs as a hosted service too, and also ships as a desktop app for Windows (macOS and Linux to follow) 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 2Fin’s servers at all.