LivePlan vs Fathom
Side-by-side trajectory, velocity, and editorial themes.
LivePlan rebuilds the plan editor and lets you feed it your own files for AI context.
Two structural moves anchor the period. In late January, LivePlan launched a fully reimagined plan editor — modern templates, custom themes, real-time collaboration with comments, flexible images/charts/tables, and contextual AI writing — and shipped a beta that lets users import notes, spreadsheets, and research so the AI builds on actual business context. Earlier, the forecast editor was rebuilt with a sleeker layout and inline forecast-vs-actuals comparison, and forecast items can now be organized into groups for clearer revenue/cost rollups.
LivePlan is methodically replacing every legacy editor in the product — first forecasting, then the plan itself — and wiring AI more deeply into each. The reference-files beta is the more telling move: it pulls user context into the model rather than relying on generic templates, which is the only way AI authoring becomes useful for a real lender-facing plan. Together it's a clean shift from "template + spreadsheet" toward "AI co-author with your data."
Expect the reference-files beta to graduate and expand to more file types (PDFs, accounting exports), with deeper agentic suggestions that pull numbers and competitive notes directly into the plan. The forecast and plan editors converging — shared collaboration, shared AI writing — is the next natural step.
Fathom adds FreeAgent and refines its Pro reports — steady iteration without directional pivots.
Fathom is a financial reporting and forecasting tool for accountants and advisory firms. The most recent product addition in the input is the FreeAgent integration (January 2026), continuing a steady pattern of bringing new accounting platforms into the same workflow. Earlier 2025 work focused on report flexibility — embedded images and PDFs in Pro reports — and forecast operations like forecast snapshots that enable actual-vs-forecast reporting. The recent feed is also heavy with customer stories and educational content rather than fresh product releases.
Within the visible product entries, Fathom is widening accounting-platform coverage (FreeAgent joins Xero, QBO, Sage and others) and gradually upgrading the Pro report surface — saved views, downloadable insights, embedded files, forecast snapshots. There's no sign of a directional pivot in the input; the cadence reads as a mature product steadily extending its existing surfaces, with marketing weight increasingly on customer stories rather than feature launches.
Expect continued accounting-platform additions (the Sage 50 import in beta from late 2024 will likely graduate at some point) and more Pro-tier report-flexibility work. Without a clear directional move in the input, the most likely next year looks like more of the same steady cadence.
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