Fathom
Finance
From$67/mo
10 people: $67 a month · $804 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 2 plans · priced per plan
Fathom vs Xero: pricing compared
Plans, list prices and what a team of 5, 10 or 25 pays on each, from Surba's catalog of Finance tools. Updated for 2026.
At a glance
Side by side
Fathom starts at $67/mo (Portfolio) and Xero at $27/mo (Early). For 10 people that's $67 vs $27 a month: Xero is $40 a month (60%) cheaper than Fathom on list price.
Xero
Cheaper for 10 people
From$27/mo
10 people: $27 a month · $324 a year
- No free plan
- No yearly discount listed
- No startup credits listed
- 3 plans · priced per plan
Plans
Fathom and Xero plans
Every plan with a public price, in US dollars.
Fathom
Portfolio
Whole client base dashboard · 100 companies · 36 months history
$67/mo
Pro
25 companies included · Branded management reports · Three-way cash flow forecasting
$450/mo
USD, ex. sales tax, billed monthly with no minimum term. Pro adds $17 per extra company. Enterprise (51+ companies) custom quote. 14-day free trial.
Prices from Fathom's pricing page, checked 26 Oct 2026.
Xero
Early
Quotes and 20 invoices · 5 bills · 30-day cash flow forecast
$27/mo
Growing
60-day cash flow forecast · Auto-reconcile transactions
$59/mo
Established
180-day cash flow forecast · Multiple currencies · KPI analysis
$97/mo
US pricing. Promo: 90% off first 6 months for new US customers (ends Nov 2, 2026).
Prices from Xero's pricing page, checked 26 Oct 2026.
Team cost
What each costs your team
Entry paid plans, per month and per year at list price.
| Team | Fathom (Portfolio) | Xero (Early) | Difference |
|---|---|---|---|
| 5 people | $67/mo$804/yr a year | $27/mo$324/yr a year | Xero $40 less a month |
| 10 people | $67/mo$804/yr a year | $27/mo$324/yr a year | Xero $40 less a month |
| 25 people | $67/mo$804/yr a year | $27/mo$324/yr a year | Xero $40 less a month |
Fathom is priced per plan. Xero is priced per plan. Per-user prices are multiplied by the team; per-plan prices aren't. Before tax; yearly discounts not applied.
FAQ
Fathom vs Xero: questions
Which is cheaper, Fathom or Xero?
Fathom starts at $67/mo (Portfolio) and Xero at $27/mo (Early). For 10 people that's $67 vs $27 a month: Xero is $40 a month (60%) cheaper than Fathom on list price. Compare features too: the cheaper plan isn't always the closer match.
Do Fathom and Xero have free plans?
Fathom has no free plan in Surba's catalog. Xero has no free plan in Surba's catalog.
More comparisons
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