| Multi-entity consolidation | Yes: QuickBooks Online + CSV/Excel entities | Yes: unlimited entities | Yes: strong Patented mapping of every location or entity to an organization-defined standard chart of accounts | Yes: up to 300 entities Across QuickBooks, Xero, MYOB, Sage, and Excel companies | Yes: strong Unlimited entities, proportional and acquisition methods, NCI, goodwill, consolidations of consolidations | Yes No stated entity limit; account matching for same-name accounts |
| Intercompany transaction management | Yes | No Joiin eliminates at report time; it does not create or post intercompany transactions | Not compared | No | No Eliminations only; nothing posted to the ledger | No |
| Intercompany reconciliation and elimination | Yes: reconciles, then eliminates | Elimination only Elimination groups configured by account and contact, then applied automatically; no reconciliation step | Eliminations entered manually With an approval step, kept in Qvinci; not for Xero or manual-entry files; no reconciliation step described | Elimination only Whole-account or fixed-value eliminations; no reconciliation step | Elimination only Account-level and transaction-level eliminations with AI suggestions; no reconciliation step | Manual elimination Whole accounts marked manually; partial amounts cannot be eliminated; eliminations do not yet flow to the cash flow statement |
| Foreign currency translation | Yes: IAS 21, CTA posted to OCI | Yes Average rate P&L, closing rate Balance Sheet, custom and spot rates, automatic FX adjustment line | Currency conversion Xe.com rates: closing for the balance sheet, monthly average for the P&L; one side must be USD; no translation adjustment described | Yes: 97 currencies Average rate P&L, closing rate Balance Sheet; translation difference shown as a reconciling note | Yes 170+ currencies, average and closing rates, equity or P&L method | Average and closing rates Rates from Open Exchange Rates; the translation reserve adjustment is currently manual |
| Balance Sheet reconciliation and sign-off | Yes: every account, three-stage sign-off, timestamped | No | Not described | No | No Data review flags unreconciled bank items and anomalies; no sign-off workpapers | No Reach states it does no reconciliation of any form |
| Posting entries back to QuickBooks Online | Yes: one click after approval | Company Adjustments held in Joiin Manual journals at the Joiin level; nothing posts to the source ledger | Paid add-on Journal entries created and approved in Qvinci sync back to QuickBooks Online or Desktop; off until requested | No One-way sync into Fathom only | Close-module journals Prepaid and revenue recognition journals can be pushed to QuickBooks Online | No Read-only by design |
| Ledger connections | QuickBooks Online natively; any other system via trial balance or GL import (CSV/Excel) | Xero, QuickBooks Online, Sage, MYOB, FreeAgent, Zoho Books, Pennylane, Puzzle, Fortnox; spreadsheet and manual companies | QuickBooks Online and Desktop (including hosted), Xero, MYOB, Excel Online ledgers sync nightly; Desktop through a local sync client | QuickBooks Online and Desktop, Xero, MYOB, Sage Business Cloud (UK), FreeAgent, Excel, Google Sheets | Xero, QuickBooks Online and Desktop, Sage, MYOB, FreshBooks, FreeAgent, Sage Intacct, Excel, Google Sheets; Stripe, Shopify, Square, Gusto, bank feeds | QuickBooks Online and Desktop, Xero, MYOB, Digits, Gusto, Excel, Google Sheets, CSV trial balance |
| Board and management report packs | Yes: briefing plus board pack composer | Yes Branded report packs, scheduled delivery, PDF and Excel | Yes: 250+ templates PDF report packages with logos; scheduled delivery | Yes Template library, white-label, scheduled delivery | Yes Templates, Live Views, scheduled delivery to email, Slack, and Teams | Yes Board report templates, PDF export; scheduled email delivery not described |
| Forecasting | Yes: three statements over three or five fiscal years, scenarios, 13-week cash | Yes Three-way forecasts on Pro (launched September 2026) | Budgets and what-if cash forecasting Budgets uploaded and compared with actuals | Yes: strong Three-way, up to 5 years beyond the current financial year on Pro, scenarios, rolling, consolidated | Yes: strong Driver-based four-way forecasts to 10 years; 180-day daily cash manager | Yes: strong Three-way budgeting and forecasting, drivers, turnover projections, budgets by class |
| Pricing (published) | From $199/month early bird (standard $249); 1 client, 3 entities, Automate and Intelligence included (Valuation is a per-client add-on); 14-day free trial | By number of companies consolidated: from $28/month for one company to $336/month for 100; Core, Pro, and Max tiers; unlimited users; 14-day trial on Max | Per file and per class, monthly or annual; unlimited users Prices not published; a free trial starts with a call | Fathom Pro from $59/month per company (USD); Portfolio for firms from $67/month for 100 companies; unlimited users; 14-day free trial | Priced per entity per month; unlimited users; consolidations free; 14-day free trial; included with qualifying Xero plans | Per data connection, unlimited users: 1 connection $149/month, 10 connections $290/month, 25 connections $550/month; additional connections $22 to $149; 30-day free trial |
