Tool profile
Fathom: cost, fit and limits
Fathom is a financial reporting and forecasting platform from The Access Group and Fathom that pulls data from accounting software to produce management reports, three-way cash flow forecasts and KPI analysis, with an AI Commentary Writer, for accountants and their clients.
What to know first
Fathom sells three tiers: Portfolio at $67 a month for up to 100 companies, Pro at $450 a month for 25 companies, and a quote-based Enterprise tier for 51 or more. Cash flow forecasting in three-way form, budgets, scenarios and consolidations sit in Pro, so the $67 entry price does not buy a forecast. Prices are pay-as-you-go with no minimum term and a 14-day free trial.
Fathom at a glance
| Maker | The Access Group and Fathom (copyright line), Not stated on the vendor pages |
|---|---|
| Free plan | Free trial only |
| Entry price | $67 per month, billed monthly |
| API access | No |
| Category | Best AI Cash Flow Forecasting Software in 2026, rank 6 of 11 |
| Website | fathomhq.com |
Who Fathom is best for
Accounting practices with many clients
Portfolio lists risk and opportunity alerts, client grouping and 36 months of history per company, so a practice sees which clients need attention first.
Advisers who write monthly commentary
The AI Commentary Writer adds commentary to reports with full number visibility, which can cut the drafting time for each client pack.
Groups that report in several currencies
Pro lists multi-currency consolidations with eliminations and custom KPIs, which suit a group that must present combined numbers to its owners or a lender.
Fathom plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Portfolio | $67 per month, billed monthly | Covers 100 companies with a single view of the client base, alerts, grouping, 36 months of history and summary reports. Advanced analytics and cash flow need Pro. |
| Pro | $450 per month, billed monthly | 25 companies included and $17 per extra company, with branded reports, three-way cash flow, budgets, scenarios, consolidations, custom KPIs and the Commentary Writer. |
| Enterprise | Custom quote | For 51 or more companies, priced as one group with volume pricing and help with mapping companies, users and groups. |
Checked November 2026.
What Fathom does
- Three-way cash flow forecasting
- Pro forecasts profit and loss, balance sheet and cash together, so a change in payment timing shows through all three statements instead of in a lone cash line.
- Budgets, scenarios and what-ifs
- Pro lists budgeting and scenario analysis for testing a client's plan before it is agreed, with the results fed into the same branded reports. The page lists no limit on scenario counts.
- AI Commentary Writer
- The feature adds report commentary with full number visibility. The security page does not describe how customer data is used by it, so the data path to the AI provider is unverified.
- Client benchmarking
- Pro compares and ranks clients across a portfolio of companies, which helps an adviser show a client how its margins and cash habits compare with others in the book.
- Branded management reports
- Reports can carry the practice's own branding for each client, with multi-currency consolidations behind them, so the output looks like the adviser's product. The page does not say how many report templates exist.
How Fathom handles your data
The security page names Microsoft Azure as the host but gives neither a region nor a secondary data center location. Customer data is backed up every six hours, with encrypted daily backups kept in several geographic locations. Once a company is deleted, its data stays in offsite backup for a period that is not stated, then is removed. No certification is named, though independent audits and penetration testing are mentioned. Whether the Commentary Writer's provider retains data is not stated.
Where Fathom falls short in practice
- Forecasting sits behind Pro. Portfolio companies must upgrade to Pro for three-way cash flow, advanced analytics, custom reporting and consolidations, so the $67 entry price does not include a forecast.
- Cost rises with company count. Pro includes 25 companies and then charges $17 per extra company a month, so a 40-company practice pays well over $450 a month. The Enterprise tier is quoted from 51 companies.
- Built for advisers, not one business. The pricing is organized around client portfolios, so a single company pays portfolio-oriented prices for features it may not use, such as benchmarking. Single companies should compare Float or Futrli first.
Works with
Alternatives to Fathom
Fathom: common questions
Does Fathom's $67 plan include cash flow forecasting?
No. Portfolio at $67 a month covers client grouping, alerts, history and summary reports, and three-way cash flow forecasting, budgets and scenarios need an upgrade to Pro at $450 a month for 25 companies. Check which tier a single company would need first.
How much does each extra Fathom company cost?
On Pro, each company beyond the 25 included costs $17 a month. A practice with 40 clients would therefore add 15 companies, which the pricing page puts at $255 a month on top of $450. Enterprise is a quote for 51 or more.
What does Fathom's AI do?
The page names an AI Commentary Writer that adds commentary to reports with full number visibility. No other AI feature is named, and the security page does not say how customer data is used by it, so ask which provider receives report data.
Is there a Fathom free trial?
Pro and Portfolio both offer a 14-day free trial with all functionality, according to the pricing page. The Portfolio trial starts with an empty dashboard, and billing is monthly pay-as-you-go with no minimum term, paid by Visa, Mastercard or American Express.
Which accounting software does Fathom connect to?
The integrations page lists Sage Business Cloud Accounting (UK), QuickBooks Online and Desktop, Xero, MYOB (cloud and AccountRight desktop), FreeAgent and Access Financials UK. Excel and Google Sheets data can also be imported, so a client on an unsupported package can still be reported.