Fathom plugs into your banks, cards, and invoicing tools, files every transaction where it belongs, then turns the tidy result into a rolling twelve-month cash forecast. Understand every dollar your business moves, effortlessly.
Every transaction arrives pre-filed with a confidence score. Fix a miss a single time and every lookalike lands in the right place from then on, so the review queue shrinks a little each week.
Rules write themselves from your corrections
Low-confidence items wait for you; the rest just get filed
Make it a rule? Paperwell Supplies → Office supplies. 11 past transactions match.
Not nowCreate rule
Your bank and your books, finally on speaking terms.
Bank and card feeds are matched against your ledger as they land, not at 11 p.m. on the last day of the month. Anything that doesn't pair up surfaces with a suggested partner and the exact size of the gap.
One difference line tells you how far apart you are
Suggested matches you accept with a keystroke
Reconcile · Operating ··4421Synced 2m ago
Bank balance$48,327.19
Books balance$48,501.69
Difference−$174.50
128 of 132 matched97.0%
1 selectedMatch MIgnore
Unmatched in booksAmountDateStatus
Pixelmill Software−$89.00Nov 11Match found
Marlin Packaging−$42.50Nov 10Match found
Typeset Co.−$31.00Nov 9Pending at bank
Bank fee−$12.00Nov 9No match
6 transactions matched automatically · 2m ago
A twelve-month forecast that doesn't flinch.
Fathom projects cash from your real bills, open invoices, and payroll rhythm. Add a hire, a slow-paying client, or a new lease as a scenario and watch the lowest balance move before you sign anything.
Scenarios drawn side by side on one chart
The lowest point is flagged, with its date
Cash forecastBaseHire in AprilNov 12, 2026 – Nov 25, 2027
Today$48.3k
Lowest · Apr 15$33.4k
Nov 25, 2027$74.6k+54.5%
Quarterly taxes, minus the dread.
Fathom estimates each quarter from your actual profit and tells you what to set aside while you're still earning it. At year-end, one export hands your accountant a filing-ready package instead of an apology.
Set-aside tracker that moves with your profit
Year-end readiness checklist, item by item
Tax estimates · 2026Export
Filing-ready PDF ⌘E
CSV for your accountant
Share with Theo R.
Quarterly estimates (USD)
$3,920
$4,310
$4,575
$4,860
Q1Q2Q3Q4
Set aside $12,805.00 of $17,665.0072%
Q4 estimate · due Jan 15, 2027$4,860.00On track
Bank accounts reconciled
Receipts attached
Contractor forms: Owen B.
Give your accountant a seat, not a shoebox.
Invite them into a portal with comment threads, approval rules, and a full audit trail of who changed what, when, and why. The “who moved this?” conversation ends before it starts.
Approval rules for anything over a limit you set
Seats scoped to view, comment, or export
Audit trail · Gridline Hosting −$214.00
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Priya N. approved ApprovedOwner · Nov 12, 10:58 AM
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Theo R. commentedAccountant · Nov 12, 10:42 AM
Annual plan or monthly? I need it for the prepaid schedule.
MT
Marcus T. changed categoryOffice supplies → Software & hosting · Nov 12, 9:14 AM