QuickBooks Online is Intuit’s full small-business accounting suite — invoicing, reports, payroll add-ons and a large advisor network. 2Fin takes a different path: focused expense intelligence that reads your bank feed, categorises automatically, captures GST and surfaces deductions all year, with your finances queryable through ChatGPT and Claude. For a lean business, in whichever country it files, less machinery can mean more clarity.
Built differently where it counts — here is how.
QuickBooks categorises from rules and history, and the reasoning stays under the bonnet. Each row here states where its category came from and can be corrected in place, so disagreeing with it takes a click rather than a support thread.
Claimable expenses are flagged as transactions arrive, so the value shows up every week — not only when a report is run.
Income-tax estimates for Australia, the UK, the US (one kind of income at a time), Canada and India; activity statements for Australia, the UK, Canada, New Zealand and Singapore; and in Australia, the ATO myDeductions export with a suggested return line per work expense.
The MCP integration makes your categorised finances queryable in plain language — ask about spend, categories or patterns inside the assistant you already use.
Connect a read-only feed or import a CSV and categorisation starts immediately — no bookkeeping setup phase.
The same situation, in both
Your advisor asks what you spent on software last quarter, and how much of it is deductible.
You open the reports, choose the date range and filter by account to find the total, then work through which items are business.
You ask Claude or ChatGPT through 2Fin’s MCP server and get the answer from your own records — the total, the subscriptions behind it and what looks deductible — or push the sorted transactions into QuickBooks Online (in beta) for your advisor to see.
Pricing snapshot: QuickBooks Online Australia is subscription-only, with frequent introductory discounts (see quickbooks.intuit.com/au for current pricing); 2Fin starts free with live bank feeds from your own provider account, with automatic categorisation on Premium (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 yourselfFor sole traders and lean small businesses whose core need is expense tracking, GST capture and deduction surfacing, 2Fin covers that with less setup and a free plan. If you need payroll or accrual accounting, QuickBooks Online is built for that — and 2Fin can push your sorted transactions into it (in beta) and track the invoices you send from it until they are paid. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes — GST is tracked per transaction and the figures you need for your BAS stay organised through the quarter. 2Fin also exports deductions in the official ATO myDeductions CSV layout. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. Export your transactions to CSV and import them — 2Fin categorises your history automatically, so you keep continuity without re-keying anything.
No. The free plan takes your exported CSV and categorises it, so you see the result on your own history before deciding anything about a plan.
QuickBooks Online is hosted, so your file lives on Intuit’s servers. 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.
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.
Cost tracking & job costingRead the same transactions by project, client or department to see what each job actually cost you.
Tax treatment & activity statementGST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Bulk processingReview and categorise a month of transactions in one pass instead of one row at a time.
Full accounting suite for small businesses and their accountants
vs FreeAgentUK accounting for sole traders and small companies (NatWest Group)
vs MYOBAU small-business accounting suite
vs CoconutUK sole-trader and landlord accounting with Making Tax Digital
vs RoundedAU sole-trader invoicing and bookkeeping
Free plan, no card needed. Start in seconds.
Get 2Fin free →See all comparisons, or explore free tax tools.
