Fathom HQ
Financial Reporting
AI management reporting and KPI dashboards
Overview
Fathom turns accounting data from Xero, QuickBooks, and MYOB into board-ready management reports. Its AI generates plain-English commentary on financial movements, cash flow scenarios, and KPI trends automatically.
Best for: Accounting firms that provide monthly advisory reporting to SMB clients and want to produce board-quality reports in under 30 minutes.
Pros & Cons
Pros
- ✓AI-generated board report narratives in plain English — saves 2-3 hours per client
- ✓Scenario modelling — model best/worst/base case cash flow in minutes
- ✓KPI tracking with benchmarking against industry averages
- ✓White-label reports — add your firm branding for client delivery
Cons
- ✗Reporting only — no accounting or invoicing features
- ✗Multi-currency consolidation limited on lower plans
- ✗Requires a connected Xero, QuickBooks, or MYOB account to function
Features
- •AI financial narrative generation
- •Cash flow scenario modelling
- •KPI anomaly detection
- •Automated board pack generation
Full Review
Is Fathom HQ worth it in 2026?
Fathom HQ is the tool accounting firms use when they want to produce board-ready management reports without spending half a day building them in Excel. It pulls financial data from Xero, QuickBooks, or MYOB and turns it into polished, branded reports with AI-generated commentary, KPI dashboards, and cash flow forecasts — automatically.
Used by over 90,000 organisations globally including Deloitte, PwC, KPMG, and BDO, Fathom is purpose-built for advisory-focused accounting firms. In 2026 Fathom introduced a second product — Fathom Portfolio — a lighter, more affordable plan for firms that need high-level oversight of their entire client base without full reporting for every entity.
Best for: Accounting firms providing monthly advisory reporting to SMB clients who want board-quality reports in under 30 minutes.
Not for: Firms that only need basic P&L and balance sheet reports — Xero or QuickBooks native reporting may be sufficient at no extra cost.
Pricing breakdown
Verified May 2026 from fathomhq.com/pricing →
Fathom publishes prices in AUD. USD approximations use the May 2026 rate of AUD/USD 0.71. Always check current pricing as exchange rates fluctuate.
Fathom Pro — full-featured reporting, forecasting, and analysis:
Priced by the number of company files connected. All plans include all features, unlimited users, and local customer support.
| Plan | USD approx | Companies | Extra company |
|---|---|---|---|
| Starter | ~$46/mo | 1 | ~$46/mo each |
| Silver | ~$277/mo | 10 | ~$28/mo each |
| Gold | ~$383/mo | 25 | ~$12/mo each |
| Platinum | ~$611/mo | 50 | ~$11/mo each |
Fathom Portfolio — new lighter plan for firm-wide client oversight:
Designed for accounting firms needing a dashboard view across all clients without the full Fathom feature set for every company. Use Portfolio for broad oversight, then upgrade individual clients to Pro for deep reporting.
| Plan | USD approx | Companies |
|---|---|---|
| Portfolio 100 | ~$44/mo | 100 companies |
| Portfolio 300 | ~$263/mo | 300 companies |
| Portfolio Unlimited | ~$355/mo | Unlimited |
What's included on every plan:
- All features — no feature gating by tier
- Unlimited users
- Unlimited brandable reports
- Group benchmarking
- Multi-currency consolidations
- Cash flow forecasting
- Multi-channel support and certifications
No minimum term. Monthly, cancel anytime. Upgrade or downgrade from within your account at any time.
Free trial: 14 days, full access to all functionality — no credit card required.
Important: QuickBooks Advanced ($275/mo) includes a free Fathom Pro subscription. If you are already on QuickBooks Advanced, check your account before purchasing separately.
Features in depth
AI Commentary Writer
Fathom's AI Commentary Writer generates plain-English narrative for management reports automatically — explaining revenue movements, margin changes, and cash flow trends without you writing a word. You review, edit, and personalise before sending. One Capterra reviewer reports Fathom saves hundreds of hours per month for multi-entity practices.
Cash flow forecasting and scenario modelling
Fathom provides three-way forecasting — P&L, Balance Sheet, and Cash Flow modelled together. The Goalseek tool lets you change variables (revenue growth, cost increases, capital expenditure) and see the downstream impact on cash position automatically. For advisory conversations around major decisions, this is the tool that makes the financial impact visible.
KPI dashboards
Over 50 pre-built KPIs covering profitability, cash flow, growth, and efficiency. Dashboards update automatically when accounting data syncs. Clients can access their dashboard directly without logging into Xero or QuickBooks.
Consolidated reporting
For clients with multiple entities, Fathom consolidates financials across companies, handles intercompany eliminations, and produces group-level reports alongside entity-level reports. Consolidated groups are free — no additional charge for how many groups you create.
Group benchmarking
Benchmark client performance against industry averages or against other companies within a group. Useful for advisory conversations — showing a client where their gross margin sits relative to similar businesses.
White-label reports
All reports can be branded with your firm's logo and colours. For accounting firms that want client deliverables to reflect their brand rather than Fathom's, this is included on every plan.
Fathom Portfolio — firm-wide client oversight (new 2026)
Portfolio provides an Insights Dashboard showing key metrics across your entire client base at a glance — metric drill-down, simple summary reports, up to 6 metrics in one view. It is not a replacement for Fathom Pro — it is a cost-effective way to monitor which clients need attention, then upgrade those clients to Pro for full reporting.
What Fathom does well
All features on every plan. Unlike most SaaS tools that gate key features behind higher tiers, Fathom includes everything — forecasting, consolidations, benchmarking, AI commentary — on the Starter plan. You pay more for more company connections, not for more features.
Template reusability. Build a report template once and copy it across all clients. A firm managing 20 clients with similar reporting needs produces all 20 reports by updating data, not rebuilding from scratch each month.
Customer support quality. G2 reviewers consistently praise Fathom's support for responsiveness and quality — with multiple reviewers noting responses in under 10 minutes.
No minimum term. Monthly billing with no contract means you can start with one client entity and scale as you add more clients to your advisory service offering.
Integrates with QuickBooks, Xero, and MYOB. The three most common accounting platforms in the AU/NZ/UK/US market are all supported natively. Data syncs automatically — no manual export/import required.
What Fathom does not do well
Pricing jumps steeply with volume. The Starter plan covers only 1 company at ~$46/mo. A firm managing 10 clients on Fathom Pro jumps to Silver at ~$277/mo. The per-company cost is reasonable at scale but the tier jumps are significant.
Reporting only. Fathom has no accounting, invoicing, or data capture features. It requires a connected Xero, QuickBooks, or MYOB account to function — it is purely a reporting and analysis layer.
No free tier. The 14-day trial is generous but there is no ongoing free plan. You pay from day one after the trial ends.
Fathom Pro vs Fathom Portfolio — which do you need?
| Fathom Pro | Fathom Portfolio | |
|---|---|---|
| Full management reports | ✅ | ❌ Summary only |
| Three-way cash flow forecasting | ✅ | ❌ |
| AI commentary writer | ✅ | ❌ |
| KPI dashboards | ✅ | ✅ Basic |
| Client oversight dashboard | ✅ | ✅ |
| Starting price | ~$46/mo (1 company) | ~$44/mo (100 companies) |
| Best for | Advisory reporting clients | Firm-wide monitoring |
The typical setup for an advisory practice: Use Portfolio for broad oversight of all clients, upgrade specific clients to Pro when they engage you for monthly management reporting.
What real users say
"Fathom saves us hundreds of hours per month in labour since we can build a template and copy it between entities. That meant we could create a financial statement format and duplicate it over and over as needed." — Capterra reviewer
"I really like how intuitive Fathom is as a reporting platform. The customer support is amazing — agents responding in about ten minutes." — G2 reviewer
"The value I'm receiving is very high compared to what we were spending with Jirav for the same functionality." — G2 reviewer
"The consolidated charts and graphs module is still in need of a few more granular features." — Capterra reviewer
Frequently asked questions
Does Fathom replace Xero or QuickBooks? No. Fathom is a reporting and analysis layer that requires a connected Xero, QuickBooks, MYOB, or Google Sheets account. It sits on top of your accounting software — it does not replace it.
Is Fathom included in QuickBooks Advanced? Yes — QuickBooks Advanced ($275/mo) includes a free Fathom Pro subscription. If you are already on Advanced, verify before purchasing Fathom separately.
What is the difference between Fathom Pro and Fathom Portfolio? Fathom Pro is the full-featured product — management reports, three-way forecasting, AI commentary, consolidations. Portfolio is a lighter product for firm-wide client monitoring at a much lower per-company cost. They are designed to be used together.
How does Fathom pricing work? Priced per company (entity) connected, not per user. Unlimited users are included on all plans. The more companies you connect, the lower the per-company cost at higher tiers.
Is there a minimum contract? No. Fathom is month-to-month with no minimum term. Cancel anytime from within your account.
How long is the free trial? 14 days with full access to all features. No credit card required.
Prices shown are USD approximations converted from AUD at the May 2026 rate (0.71). Fathom publishes pricing in AUD at fathomhq.com/pricing. All prices exclude GST. Always confirm current pricing before purchasing.