Tax Falcon is a registered tax agent you use from your phone: it pulls your income from the ATO, asks a short set of questions, has an agent check the return and lodges it for a flat fee. 2Fin is the part before that. It reads every transaction in your statements, holds the work-related ones as questions with the reason shown, and keeps the receipts and the totals ready for whoever lodges: you through myTax, your own agent, or a service like Tax Falcon.
Built differently where it counts — here is how.
A question flow can only ask what you remember. On Premium, Fin reads each line of the year for tax and holds the ones that look work-related, so the March software renewal and the October safety boots are there with their receipts when the question comes up. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Tax Falcon advertises a return in about ten minutes, and for one job with few expenses that is the right amount of time to spend. 2Fin is for the years that are not that simple: a side business, a rental, a car you use for work. The sorting happens as the year goes, so the return at the end is a review.
Add your pay and tax withheld and the estimate shows a refund or an amount to pay across salary, sole-trader profit and net rent, with the Medicare levy, the low income tax offset and HELP. There is time to act on it while the year is still open. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
An agent has to hold your details to lodge for you. 2Fin lets you choose: the cloud, or a free desktop app that keeps your database and receipts in a folder you own, with an outbound record of every request that leaves.
A sole trader has a return once a year and usually a BAS every quarter. On ELITE+, Fin prepares the BAS label by label from the same categorised transactions the return figures come from, ready for you or your agent to lodge. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
The same situation, in both
You work in a hospital on salary and pick up agency shifts paid to your ABN. It is July.
With Tax Falcon you choose the sole trader return from A$229, link the ATO so your hospital income fills in, answer questions about your business income and expenses, and a registered agent reviews and lodges it.
In 2Fin the year is already there: agency deposits counted as business income, registration, union fees and scrubs flagged as they were paid, kilometres between sites worked at cents per kilometre. You export the figures with a suggested myTax line for each work expense and lodge yourself, or send the Accountant Pack to an agent, Tax Falcon included, so the questions take minutes.
Tax Falcon charges a flat fee per return: A$69 for a student return, A$88 for a standard return and from A$229 for a sole trader, property or investor return, with A$90 for each added property or capital gains schedule — see taxfalcon.com.au/pricing for current figures (read 13 November 2026). 2Fin is a subscription with a free plan, and paid tiers from US$23/month; it prepares the year, so it sits beside a lodgement fee and keeps working after the return is in.
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$420 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 students and anyone starting out: 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. On the free desktop app, receipts are read on Premium and up | 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 |
| Invoices your customer can open and pay fromYour own payment link, repeating invoices and overdue reminders | Not included | Not included | Included | Included |
| Balance check against a bank statementWith the likely reasons for any difference | Included | Included | Included | Included |
| Data history, with UndoFin’s changes and import reviews undo for 30 days | Included | Included | Included | Included |
| Daily burn rate | Included | Included | Included | Included |
| Cash flow forecast for the next 30, 60 or 90 days | Not included | Not 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 |
| Clubs and charities: funds, members and eventsGift Aid donors for UK charities and CASCs | 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 |
| Aged receivables and payables, and a balance sheet as at todayWith loan and prepaid expense schedules | 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 transactions included | Not included | Not included | Included | Included |
| Send transactions to Xero or QuickBooks OnlineCoded, with the receipt attached | Not included | Not included | Included | Included |
| Email the year to your accountantThe accountant pack and journal file, in your name; web app | Not included | Included | Included | Included |
| Practice workspace for accountantsYour clients can be on any plan | Not included | Not included | Included | Included |
| Team access with rolesViewer, bookkeeper or admin; teammates need no 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 the preparing, yes; for the lodging, they do different jobs. Tax Falcon is a registered tax agent that reviews and lodges your return for a fee. 2Fin prepares the return from your transactions, and you lodge through myTax or your registered tax agent does. If what you want is a deduction list you trust and records you keep, 2Fin covers it. If you want someone to lodge for you, use an agent, and bring the 2Fin pack. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
Yes. Tax Falcon asks about your income and expenses and its agent reviews the answers. With the year already categorised in 2Fin you have each total and the receipts behind it, so the questions are quick to answer and nothing is left out. The same pack works with any registered tax agent.
The ATO pre-fill belongs to myTax and to registered tax agents, so it arrives when you lodge by either route. 2Fin works from the other side: your bank and card transactions, where the deductions are. The two meet at lodgement: pre-filled income from the ATO, and the deductions from your own records.
Tax Falcon lists a standard return at A$88, once a year, generally deductible the following year. myTax is free to lodge, and 2Fin has a free plan for the records; the line-by-line tax read and tax exports are on Premium at US$23/month. For a single job with few expenses, a flat-fee agent or myTax alone is usually the least cost. The subscription earns its place when there is a year of transactions worth reading.
A registered tax agent reviews your return and is accountable for it; that is a person’s judgement, and it stays with the agent. What 2Fin checks is the records: a "before you lodge" list of open questions, uncategorised lines, income left out and expenses with no return line, so what you or your agent review is complete. 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.
GST and tax treatment worked out line by line as transactions arrive, and the activity-statement view that follows from them.
Working from homeHome-office costs sorted as they happen, Australia’s fixed rate and actual costs side by side, and the rules for the country you file in.
Your accountantInvite your accountant with a one-time link, and send the year’s accountant pack and journal file in one email, in your name.
How Fin decidesTen real transactions walked through the categorisation chain, so you can see why each one landed where it did rather than take it on trust.
Self-hosted, double-entry personal finance manager
vs Reckon OneAustralian small-business accounting with payroll and invoicing
vs SureOpen-source, self-hosted net worth and budget tracker (formerly Maybe)
vs LodgeProAustralian tax lodgement with accountant review
vs TaxTankAustralian tax portal built from modular Tanks
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