Joiin vs Fathom (2026): Pricing, Features & Which to Pick
This post contains affiliate links. If you sign up to Joiin through them, I may earn a commission at no extra cost to you. Prices below were taken from each vendor's own pricing page on 24 October 2026 and can change.
Quick verdict
Joiin and Fathom both turn accounting data from Xero, QuickBooks and other systems into reports, KPIs and consolidations. They price very differently. Joiin charges by the number of companies you consolidate, starting at $28 per month for one company ($23 per month billed annually), with unlimited users, reports and clients on every plan. Fathom Pro is quoted on its pricing page at $450 per month for 25 companies, which it works out at $18 per company, plus $17 for each extra company.
If you run one to ten companies and want consolidation, reports and AI summaries at a low entry price, Joiin is the cheaper place to start. If you are an advisory firm that wants deep forecasting, benchmarking and branded client reporting, Fathom is built around exactly that. You can start Joiin's 14-day free trial here; Fathom also offers 14 days free.
Joiin vs Fathom at a glance
| Feature | Joiin | Fathom |
|---|---|---|
| Main job | Multi-entity consolidation and reporting | Analysis, reporting, forecasting, consolidation, benchmarking |
| Pricing basis | Number of companies | Number of companies |
| Entry price shown | $28/mo for 1 company ($23/mo annual) | Pro: $450/mo for 25 companies; Portfolio: $67/mo for 100 companies |
| Free trial | 14 days, no credit card | 14 days free |
| Users | Unlimited on all plans | Portfolio lists unlimited users |
| Forecasting | Pro and Max plans | Three-way cash flow forecasting in Pro |
| AI | Joiin Intelligence: chat and summaries (all plans), agents (Pro+), MCP (Max) | Commentary Writer (AI commentary) |
| Integrations | Xero, QuickBooks, Sage, MYOB, FreeAgent, Puzzle, Pennylane, Zoho Books, Fortnox, Excel, Stripe | Xero, QuickBooks, MYOB, Excel, FreeAgent, Google Sheets |
| Contract | Monthly or annual | Monthly, no minimum term |
Joiin: what you get
Joiin describes itself as instant financial reporting and consolidation for businesses and accountants. You connect your accounting systems or spreadsheets, map the charts of accounts, apply eliminations, and produce consolidated reports and dashboards. Its integration list on the pricing page covers Xero, QuickBooks, Intuit Enterprise Suite, Sage, MYOB, FreeAgent, Puzzle, Pennylane, Zoho Books and Fortnox.
Joiin pricing (from joiin.co/pricing)
| Companies | Monthly | Annual (per month) |
|---|---|---|
| 1 | $28 | $23 |
| 2 | $36 | $29 |
| 5 | $70 | $57 |
| 10 | $111 | $92 |
| 20 | $167 | $139 |
| 50 | $217 | $174 |
| 100 | $336 | $252 |
Above 100 companies the page says pricing starts from $336 per month plus $2.80 per company. These figures are for the plan tiers Core, Pro and Max, which reprice together on the slider, so check which tier the figure on the page applies to before you commit. Every plan includes unlimited reports, users and clients.
Joiin plans
- Core: COA mapping and eliminations, single reporting currency, financial and sales and purchasing reports, budgets, custom layouts, dashboards, report packs, exports, AI chat and summaries.
- Pro: adds multi-currency reporting, forecasting, global search, the Excel add-in, non-financial data and Stripe, and AI agents.
- Max: adds advanced FX with your own rates, API and Zapier access, and MCP so you can connect Joiin data to AI assistants such as Claude and ChatGPT. White labelling is listed as coming soon.
The free trial runs on Max, so you can test everything before choosing. No card is needed at signup.
Fathom: what you get
Fathom positions itself around analysing, reporting, forecasting, consolidating and benchmarking. Its pricing page lists two subscription types.
Fathom pricing (from fathomhq.com/pricing)
- Fathom Pro: the Gold tier is shown at $450 per month with 25 companies included, plus $17 per extra company, which the page says works out at $18.00 per company. Pricing is by number of connected companies; the page uses a slider for smaller counts, which I could not read in text, so use Fathom's calculator for one or a handful of companies. Above 50 companies, Enterprise is quoted individually.
- Fathom Portfolio: $67 per month with 100 companies included (about $0.67 per company per month), aimed at accounting firms that want oversight of a whole client base. It includes a client portfolio dashboard, summary reports, 36 months of history per company and unlimited users. Upgrading a Portfolio company to Pro unlocks advanced analytics, custom reporting, three-way cash flow and consolidations.
Prices exclude sales tax, and billing is monthly with no minimum term. Consolidated groups are free of charge and unlimited.
What Pro includes
- Branded management reports per client
- Three-way cash flow forecasting
- Budgets, scenarios and what-ifs
- Multi-currency consolidations with eliminations
- Custom KPIs and targets
- Commentary Writer (AI commentary)
- Chart of accounts customisation
- Benchmarking and ranking of clients
Fathom lists integrations with Xero, QuickBooks Online and Desktop, MYOB, Excel and FreeAgent, plus Google Sheets on its site navigation. It is SOC 2 Type 1 and ISO 27001 certified according to its FAQ.
Head-to-head comparison
Price and scaling
Both tools price by company count, so the real question is how many companies you connect. At the low end Joiin publishes a clear ladder: $28 for one company, $70 for five, $111 for ten on monthly billing. Fathom Pro's page leads with a 25-company tier at $450, which makes it look pricier for a small group, though a calculator exists for smaller counts. At the large end, Fathom Portfolio at $67 for 100 companies is a very low per-client price, but it is an oversight product and not the full Pro feature set.
Consolidation
Consolidation is Joiin's core product: COA mapping and eliminations are on every plan, and multi-currency starts on Pro. Fathom includes multi-currency consolidations with eliminations in Pro and says it supports consolidated reporting for up to 300 entities.
Forecasting and planning
Fathom's forecasting is a headline feature: three-way cash flow, scenarios, driver-based and rolling forecasts. Joiin offers budgets on all plans and forecasting from Pro, with budgeting and forecasting described as budget against actuals comparison. If forecasting is your main need, Fathom lists the deeper toolset.
AI features
Joiin Intelligence includes AI chat and summaries on every plan, AI agents on Pro and above, and MCP on Max. Fathom offers a Commentary Writer for AI report commentary. They solve different problems: Joiin's AI is about querying your data, Fathom's is about writing report narrative.
Users and clients
Joiin gives unlimited users, reports and clients on all plans, so adding a team member never changes the bill. Fathom's Portfolio plan lists unlimited users; check the Pro terms for your own case.
A simple cost example
Say you run five companies. On Joiin's monthly pricing that is $70 per month, or $57 per month on annual billing, which is $684 for the year. Fathom's Pro page leads with the 25-company tier at $450 per month, so a five-company group would need to check Fathom's own calculator for a quote rather than assume a figure. For ten companies, Joiin lists $111 monthly or $92 on annual billing. The takeaway: with Joiin the number is visible before you sign up, and every plan includes unlimited users, so a larger finance team does not push the price up. Always confirm current prices on the vendor sites, because both companies update their plans regularly.
Pros and cons
Joiin
- Pro: transparent price ladder starting at $28 per month.
- Pro: unlimited users, reports and clients on every plan.
- Pro: 14-day trial on the top plan, no card required.
- Pro: broad integration list including Sage, Pennylane, Zoho Books and Fortnox.
- Con: forecasting and multi-currency need Pro or higher.
- Con: white labelling is still marked coming soon.
Fathom
- Pro: deep forecasting, KPIs, benchmarking and branded reporting.
- Pro: Portfolio plan makes whole-client-base monitoring cheap per company.
- Pro: monthly billing, no minimum term, free consolidated groups.
- Con: Pro pricing shown starts at 25 companies at $450 a month.
- Con: fewer listed accounting integrations than Joiin.
Who should pick which?
Choose Joiin if you own a small group of companies, want consolidation without a big monthly bill, or you use Sage, Pennylane, Zoho Books or Fortnox.
Choose Fathom if you are an accounting or advisory firm that sells forecasting, benchmarking and polished client reports, and you manage enough clients for the per-company price to make sense.
Not sure? Both have a 14-day free trial, so connect one real company to each and compare the reports you actually need.
Frequently asked questions
Is Joiin cheaper than Fathom?
For one to ten companies, Joiin's published prices ($28 to $111 per month) are lower than Fathom Pro's $450 for 25 companies. For a very large client list, Fathom Portfolio's $67 for 100 companies is hard to beat, but it offers less than Pro.
Do both offer a free trial?
Yes. Joiin gives 14 days with full access and no credit card. Fathom gives 14 days free with all functionality included.
Which integrates with Xero and QuickBooks?
Both do. Joiin additionally lists Sage, Pennylane, Puzzle, Zoho Books and Fortnox; Fathom lists MYOB, Excel, FreeAgent and Google Sheets.
Can I switch plans later?
Joiin lets you change between Core, Pro and Max at any time; changes take effect on the next billing date. Fathom lets you upgrade or downgrade, with billing monthly.
Does Joiin limit users?
No. Users, reports and clients are unlimited on every Joiin plan.
Final verdict
Joiin is the better value starting point for small and mid-sized groups that need consolidation and reporting, with a free trial that unlocks the whole product. Fathom is the stronger fit for advisory-led firms that live in forecasting and client reporting. If you are leaning towards simple, affordable consolidated reporting, start your free Joiin trial and see how your own numbers look.
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