TooziA FlyFin alternative that keeps your books, not just your deductions
The short answer: FlyFin is built around one moment: tax season. Its AI combs your bank history for write-offs and a CPA files the return, with plans at roughly $192 to $348 a year as of 2026. Toozi is built around the other 364 days — you text income and expenses as they happen, your books and quarterly estimate stay current, and at tax time the return is already assembled and e-filed. If you want a once-a-year deduction sweep, FlyFin fits. If you want books you can trust in July, Toozi does.
| Toozi | FlyFin | |
|---|---|---|
| Core job | Ongoing bookkeeping + taxes, by text | AI deduction scan + CPA-prepared return |
| How you use it | Real SMS — text a phone number, no app | iOS/Android app |
| Multiple businesses | Separate books per hustle, one price | Standard plan covers one Schedule C (fair-use policy) |
| Price | $49/mo flat | Roughly $192/yr Standard, $348/yr Premium as of 2026 |
| Free trial | 14 days, no card | 7 days |
| Quarterly estimates | Running estimate + set-aside, texts you before each deadline | Quarterly tax calculator |
| Filing | IRS Authorized e-file Provider; e-files your 1040 + a Schedule C per business | CPA files federal + state |
Where Toozi wins
- Books that are done before April. FlyFin reconstructs your year from bank data when it is time to file. Toozi sorts every deposit and charge as it lands and texts you about the few it is not sure of, so there is nothing to reconstruct.
- More than one hustle, one price. Cut hair and sell product? Drive weekends? Toozi keeps separate books for each and files a Schedule C for each. FlyFin's Standard plan is scoped to one Schedule C under its fair-use policy.
- No app to open. You text (844) 482-4881 from Messages. Invoices, expenses, "what do I owe" — all from the thread you already use.
Where FlyFin might fit better (the honest part)
- If you want a CPA's name on the return and a video call to walk through it, FlyFin's Premium plan includes that.
- If your books are a mess from last year and you just want someone to find the write-offs and file, FlyFin's deduction scan is built for exactly that cleanup.
- On price alone, FlyFin's annual plans are cheaper than Toozi's $49/mo.
FAQ
Does Toozi find deductions like FlyFin?
Yes — as you go. Every bank transaction is categorized for Schedule C the day it lands, so your deductions are already in your books instead of being discovered in March.
Does Toozi have CPAs?
Toozi is built by tax pros and is an IRS Authorized e-file Provider. You review the return and sign with your PIN; Toozi e-files it. A CPA review call is not part of the $49 plan.
Can I switch from FlyFin mid-year?
Yes. Connect your bank and Toozi sorts the year to date; text in anything that happened in cash.
Keep your books current all year. Try Toozi free for 14 days — text "start" to (844) 482-4881.
Get Started Free →or text START to (844) 482-4881