TaxFox and 2Fin start from the same idea: the refund is decided through the year, by the deductions you record, not in July. TaxFox does it as a phone app with logbooks for working from home and car trips, a receipt safe and a refund tracker. 2Fin does it from the whole of your money: every transaction in your statements categorised and tax-treated, the estimate built from salary, business and rent together, and the books kept going for GST, BAS and your accountant.
Built differently where it counts — here is how.
TaxFox’s Smart Finder scans a linked bank account for possible deductions. On Premium, Fin reads every line for tax and writes down why: the rule it applied and what it was unsure of. Lines it cannot decide become a question for you, and you can change any answer. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
The estimate combines salary and wages, sole-trader profit and net rental income, less work-related deductions and tax withheld, with the Medicare levy, the low income tax offset and HELP. A refund tracker built on employee deductions is one part of that picture. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
If the side income grows past the GST threshold, the same records already carry GST on every transaction, and on ELITE+ the BAS is prepared label by label for you or your agent to lodge. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
TaxFox stores your data in its cloud so it survives a lost phone. 2Fin offers the cloud too, and a free desktop app that keeps the database and receipts on your own computer and works offline.
TaxFox is built for the Australian return. 2Fin runs its income-tax estimate in Australia, the United Kingdom, the United States, Canada and India, with GST, VAT or sales tax on record for every country.
The same situation, in both
You teach, work from home some days, buy classroom supplies on your own card and drive between two campuses.
In TaxFox you log each work-from-home day and each trip in the app as it happens, photograph the receipts into Doc Safe, and the refund tracker rises with every claim. At tax time you export the summary for myTax or an agent.
In 2Fin the supplies arrive from your statement and Fin asks whether each was for work. You enter the year’s work-from-home hours once and see the fixed rate against actual cost, trips between campuses are worked at cents per kilometre, and the estimate includes your salary and tax withheld. The export gives each work expense a suggested myTax line.
TaxFox has a free Basic plan limited to 12 receipts, 20 work-from-home days, A$1,000 of deductions and 15 trips a year; Smart is A$8 a month and Genius A$13 a month, both billed annually through the App Store or Google Play — see taxfox.com.au/pricing for current figures (read 13 November 2026). 2Fin has a free plan with no card; Premium is US$23 a month for receipt reading, the tax read and tax exports.
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 yourselfTaxFox is a deduction tracker: you log claims, days and trips in a phone app and it shows the refund growing. 2Fin is your whole set of books: it reads every transaction from your statements, decides a tax treatment for each with the reason shown, and keeps the estimate, the GST and the accountant hand-over in the same place. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
TaxFox logs each work-from-home day in the app. 2Fin takes your hours for the year as one total and shows the fixed rate against your actual costs so you can see which is higher. The ATO expects a record of the hours as they occur, so keep that record, in a calendar, a timesheet or an app like TaxFox, and enter the total. 2Fin helps you find and organise potential deductions; always confirm eligibility with your accountant or tax authority.
TaxFox is built around the employee’s deductions. 2Fin keeps the job and the business in one set of records: business income from your deposits, expenses split between work, business and private, GST on every line, and one estimate across both. If the side income is occasional, either works; if it has its own expenses and may need a BAS, 2Fin is built for it.
Your bank and card statements are the source for both, so upload them into 2Fin as CSV, Excel or PDF and the transactions are categorised from there. Receipts you have saved as photos or PDFs can be added and are matched to their transactions on Premium.
TaxFox’s free plan covers a small year: 12 receipts, 20 work-from-home days and A$1,000 of deductions. 2Fin’s free plan has no limit on transactions and covers uploads, categories, budgets, bills and the desktop app; the tax read, receipt reading and tax exports are on Premium.
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.
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.
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.
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