Sure is what Maybe Finance became: an open-source app you host yourself to watch your net worth, budgets and investments across banks and exchanges. 2Fin also runs on your own machine — a desktop app with no account, or a Docker stack you operate — but it is pointed at a different question: what each transaction means at tax time, and what you can claim.
Built differently where it counts — here is how.
Sure keeps your data private by asking you to host it: Docker, Postgres, Redis, updates, backups. 2Fin desktop keeps the same data in a SQLite file in a folder you own, with no account on the free plan — and offers Docker Compose and an AWS CloudFormation stack if you want it inside your own perimeter. An outbound record in the app lists every request that left, so the claim is checked rather than trusted.
Sure tells you what you are worth. 2Fin tells you what each transaction means: GST or VAT worked out per line with the reasoning shown, BAS and EOFY treatment, deductions surfaced through the year, receipts read from a photo and matched. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Both take bring-your-own credentials — SimpleFIN, Akahu, Up and more. The difference is honesty about where a token may live: 2Fin runs personal-use bank tokens on the desktop app only, because that is what the banks’ terms allow, and says so on each connector page.
Sure lets you point its assistant at an LLM endpoint you configure. 2Fin ships a Model Context Protocol server — hosted with OAuth, or local on the desktop app so nothing routes through 2Fin’s servers — with read-only tools for transactions, bills and tax treatment.
Sure is free, open-source software — the cost is hosting it. 2Fin starts free (desktop, no account), with tax treatment, reporting and filing exports 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 yourselfYes, in two shapes. The desktop app for Windows, macOS and Linux keeps your database, receipts and attachments in a folder you choose, with sensitive fields sealed by your OS keychain and no account on the free plan. If you would rather run a server, Docker Compose runs the whole product anywhere Docker runs, and a single AWS CloudFormation stack brings up one instance with an encrypted volume in your own account. Sure is something you host yourself; 2Fin also offers a hosted option at app.ai2fin.com if you would rather not run anything.
No. Sure is AGPL and you can read every line. 2Fin is licensed software with a free tier. What it offers instead is verifiability: the desktop database is plain SQLite you can open with any tool, an outbound record lists every request that left your machine and why, and a Sovereign setting stops all of them. If reading the code is the requirement, Sure is the honest answer.
Both use bring-your-own credentials, and several providers overlap: SimpleFIN, Akahu (NZ) and Up (AU). Sure adds Plaid, Redbark, Enable Banking for the EU, Wise, Trade Republic and Trading 212 among others; 2Fin adds BankSync for ten countries, Starling and Monzo for the UK, and statement-file import (OFX, QIF, CAMT.053, MT940) that needs no provider at all.
Not live. Sure connects to Kraken, Binance, Coinbase and on-chain wallets to show balances. 2Fin imports exchange trade history from CSV so each disposal can be given a capital-gains treatment — the tax consequence rather than the running balance. If you want both, Sure for the portfolio and 2Fin for the return is a reasonable pairing.
Yes. Export transactions to CSV and import them — columns are mapped for you and multi-currency is handled. Bank feeds that overlap (SimpleFIN, Akahu, Up) reconnect with the same provider account.
Self-hosted, double-entry personal finance manager
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