Financial reporting comparison
Joiin vs Fathom vs Spotlight: consolidated reporting compared
All three combine accounts from several companies into one set of reports. The price gap at your company count is larger than the feature gap, so count your companies first.
Quick verdict
Our assessment: start with Joiin if your main job is consolidating several companies' accounts into reliable monthly reports at the lowest published price. Look at Fathom if you also want three-way cash-flow forecasting, client benchmarking and polished advisory reports, and can pay roughly twice as much per company. Consider Spotlight Reporting if you are an accounting firm building an advisory service around forecasting and dashboards for many clients.
We compared official pricing pages on 31 October 2026. This is source-based research, not a hands-on product test. Prices are USD per month before sales tax.
Price at your company count
| Companies | Joiin | Fathom Pro | Spotlight (business plans) |
|---|---|---|---|
| 1 | $28 monthly; $23 on annual billing | $59 (Starter) | $35 (Business) |
| 2 | $36; $29 annual | $118 ($59 per extra company) | $70 ($35 per extra organisation) |
| 5 | $70; $57 annual | $295 (calculated: $59 + 4 × $59) | $175 (calculated) or $329 Business 10 |
| 10 | $111; $92 annual | $315 (Silver, 10 included) | $329 (Business 10, up to 10) |
| Larger | $336 at 100; then $2.80 per company | Gold $705 with 25 included, then $17 each; quote above 50 | $25 per extra organisation on Business 10; advisor plans for firms |
Sources: Joiin pricing, Fathom pricing calculator and Spotlight US business plans. Joiin's grid does not say which of its plans (Core, Pro or Max) each figure belongs to, and Fathom does not state an annual-billing price. Spotlight's accounting-firm plans are separate: Basic NZD 329 for up to 10 organisations, and Super VCFO at NZD 495 for 25 or NZD 995 for 75 (Spotlight advisor plans). Confirm the exact plan and billing period in writing.
What each one is built for
| Question | Joiin | Fathom | Spotlight |
|---|---|---|---|
| Consolidation with eliminations | Yes, all plans; multi-currency from Pro | Yes, multi-currency | Through Spotlight Multi; confirm which plan includes it |
| Forecasting | Pro and Max only | Three-way cash-flow forecasting, budgets and scenarios | Reporting, forecasting and dashboards |
| Users | Unlimited users, reports and clients | Not stated on the pricing page | Not stated on the business plan cards |
| Accounting connections | Xero, QuickBooks, Sage, MYOB, FreeAgent, Zoho Books and others | Cloud systems with daily sync, plus Excel import | Check the integration list for your system |
| Free trial | 14 days on Max, no card | 14 days | Free trial offered |
| Best fit | Groups and accountants who need consolidated reports at low cost | Advisors who sell forecasting and benchmarking | Firms building an advisory practice |
How to choose
- Count companies and currencies. At 5 companies the published monthly prices range from $70 (Joiin) to $295 (Fathom Starter).
- Decide whether you need forecasting. If you only report on actuals, Joiin's lower tiers may be enough; if forecasting is the service you sell, compare Fathom and Spotlight closely.
- Test eliminations with your real data during the trial: intercompany loans and sales are where consolidation tools differ in practice.
- Ask about exit. Can you export reports, mappings and history if you switch?
Questions to ask every vendor
- Which plan and billing period does the quoted price cover at our company count?
- How are intercompany transactions eliminated, and can we adjust them manually?
- How often does data refresh from our accounting system?
- What does adding one more company cost mid-contract?
Links to Fathom and Spotlight on this page are ordinary source links and do not earn us a commission. Joiin's affiliate relationship did not change the prices or assessments above; Fathom and Spotlight are included because they are real alternatives.
Research sources
Prices and features were checked on the official pages linked above on 31 October 2026. This is not a hands-on product test or a report of customer results. See our Joiin profile, finance software guide, methodology and affiliate disclosure.