Fathom and Syft Analytics look like the same product at a glance. Both pull live data from an accounting ledger, both build branded reports and KPI dashboards, and both are aimed at accountant-led advisory work rather than an in-house corporate FP&A team. Put them side by side in a financial reporting software shortlist and the tactical pitch is nearly identical.
The catalog field that splits them is pricing model. Fathom charges per company entity per month, and its tiers step through fixed entity counts: 1, 10, 25, 50. Syft Analytics charges a flat monthly rate per tier with no per-entity surcharge, and only moves to custom pricing above 10 entities. That structural difference decides cost long before any feature comparison does. A firm with 3 to 9 client entities on Fathom has to buy the 10-slot Silver tier at $315 a month even if it is only using a third of it. The same firm on Syft can stay on the Plus tier at $47 a month flat and consolidate multi-entity, multi-currency accounts at that price. This matters when the product is a recurring cost spread across a client base, not a one-time license.
Short answer
- Choose Fathom if your firm runs 10 or more client entities and you want group benchmarking, multi-currency consolidation, and an AI commentary writer that shows its reasoning paragraph by paragraph.
- Choose Syft if you mostly serve fewer than 10 entities, want a free Basic tier that never expires, and prefer flat monthly pricing with consolidation included.
- Start with Syft Basic if you want to test reporting dashboards with no time limit and no card on file; Fathom only offers a 14-day full-feature trial.
Pricing structure: per-entity vs flat
The two pricing models create different cost curves. Fathom sells slots for entities. Syft sells access to features, and the entity count only matters at the Enterprise boundary.
Fathom's tiers are fixed inventory. The Starter plan covers 1 company at $59 a month. The next step is Silver at $315 a month, which covers 10 companies. There is nothing offered at 3 companies, 6 companies, or 8 companies. That gap is the entire structural story for small and mid-sized firms. If you have 9 clients, you are on a 10-slot plan and paying for inventory you do not use. Past Silver, the entity steps widen to 25 (Gold) and 50 (Platinum), and the amount charged per entity declines with each increase in tier size. Portfolio tiers exist at 100, 300, and unlimited entities, but they trade away deeper reporting tools for a lighter insights view, with an entry point around $67 a month.
Syft's paid tiers do not care about entity count until you cross 10. Basic is $0 per month forever with unlimited users, dashboards, and Syft Campus access. Standard is $23 a month flat and includes reporting, live dashboards, commentary that writes itself, rolling your actuals against forecast or budget, and exporting to PDF, Excel, and Word. Plus is $47 a month flat and adds multi-currency and multi-entity consolidation. Advanced is $95 a month flat and adds a combined financial and operational view, advanced consolidation, driver-based modeling, and onboarding. Enterprise is the only custom tier, and Syft says it applies only above 10 entities.
| Vendor | Tier | Monthly price | Entity cap |
|---|
| Fathom | Starter | $59 | 1 |
| Fathom | Silver | $315 | 10 |
| Fathom | Gold | $450 | 25 |
| Fathom | Platinum | $805 | 50 |
| Fathom | Portfolio | from $67 (approx) | 100, 300, or unlimited |
| Syft | Basic | $0 | unlimited users, no entity cap stated |
| Syft | Standard | $23 | flat, no entity surcharge |
| Syft | Plus | $47 | flat, consolidation included |
| Syft | Advanced | $95 | flat, advanced consolidation |
| Syft | Enterprise | custom | only above 10 entities |
Fathom prices come from its pricing calculator. Syft prices come from its pricing page. The honest caveat is that Fathom's upper tiers carry more depth than Syft's Plus tier. Group benchmarking, a fuller advisory toolkit, and a more detailed commentary writer are not the same feature set. The structural price point is the comparison here, not an apples-to-apples feature match.
The feature sets overlap on the core job: both tools pull data from cloud accounting ledgers, turn it into client-facing reports and KPI dashboards, and support multi-entity consolidation for firms that run several clients under one view. But the feed lists, commentary features, and consolidation depth differ in ways that show up in daily use.
Data feeds and reporting outputs
Fathom connects to QuickBooks Online, QuickBooks Desktop, Xero, MYOB, Sage, Excel, and Google Sheets. Syft connects to Xero, QuickBooks Online, Sage, Excel, and Google Sheets. The gap is MYOB: Syft does not list it. If any of your clients run MYOB, Fathom is the only choice between these two without an export workaround.
On outputs, both tools cover branded reports, KPI dashboards, and cash flow forecasting. Fathom's 3-way cash flow forecast links P&L, balance sheet, and cash flow in one model. Syft lists multi-entity consolidation, cash flow forecast, and scenario modeling among its outputs. Neither tool is a corporate FP&A replacement; both are built for accountant-led advisory work, where the accountant is preparing the report and the client reads it.
Fathom's page names a commentary feature where the AI drafts narrative text and shows the reasoning behind each paragraph. The advisor can edit the draft before sending it. That matches an advisory workflow: the software drafts, the accountant reviews and rewrites, and the client receives a finished report.
Syft's Standard tier lists "automated commentary" as a feature, but the page does not describe a reasoning display. The automation exists, but whether it shows sourcing, assumptions, or a paragraph-by-paragraph rationale is not stated. For a firm that reviews AI-generated commentary before it reaches a client, the documented reasoning step on Fathom's side offers a clearer signal of how the tool slots into that review workflow.
Consolidation and forecasting depth
Fathom builds consolidation around groups, franchises, and benchmarking across entities. Silver adds group benchmarking and multi-currency consolidation, and Gold adds the full advisory toolkit with a lower per-entity rate than Silver. Syft puts multi-currency and multi-entity consolidation on its Plus tier, and Advanced adds advanced consolidation and driver-based modeling. Both tools handle the mechanical job of rolling up several entities into one report. The difference is that Fathom ties that capability to its entity-count tiers, while Syft makes it a flat-rate feature.
If you are weighing the broader AI tools for FP&A and reporting category, this is the same pattern: the reporting job is consistent, and the commercial structure around it changes from vendor to vendor.
Who fits where
Entity count and budget decide more than feature checklists do. A firm with 3 to 9 client entities and a tight budget fits Syft's flat tiers. Plus at $47 a month includes consolidation, and Basic at $0 has no time limit, so there is a real no-spend evaluation path. Basic requires no card, sets no trial deadline, and leaves you on the free plan until you choose to upgrade. Syft is listed on the Xero App Marketplace and the QuickBooks App Store, which makes the integration path short for firms already in those ecosystems.
A firm past 10 client entities, or one that wants group benchmarking and a commentary writer with paragraph-level reasoning, fits Fathom's upper tiers. The Silver, Gold, and Platinum steps are the product's natural shape: buy entity slots, assign clients to them, and run benchmarking and multi-currency consolidation across the group. The trial is 14 days with full features, no permanent free tier. If you are evaluating Fathom, plan the trial around a live client dataset, not a demo company.
The broader reporting workflow is covered in the finance reporting and analysis guide, and the case for automating any of this is in automating financial reporting. Both are relevant if the tool choice is part of a wider move away from manual export and rebuild cycles.
The step that breaks most comparisons is the 1-to-10 jump on Fathom. If you have 3 clients, the tool does not quote you a 3-entity price. It quotes you a 10-entity price. If you have 9 clients, same thing. On Syft, those counts sit comfortably inside a flat $47 a month Plus subscription.
Before you open either pricing page, count the number of client entities you would consolidate today, then count what that number looks like in six months. That number, not the feature list, is the first input to a decision you can make with the matchmaker quiz. Then compare the full set of FP&A and advisory reporting tools with that same headcount in mind.
