Honest payment for honest software.
Everything on your device is free.
You pay when we run infrastructure. The full app costs nothing.
Fathom
$0
forever
The full app — phone, tablet, and browser. Every feature, no limits, no account required.
Fathom Harbour
Pricing TBD
We're finalizing infrastructure costs. Harbour pricing will be announced before launch — join the waitlist to hear first.
Founding members will receive an early-adopter discount.
Both tiers ship at launch. Join the waitlist to hear when Harbour pricing is announced — founding members will receive an early-adopter discount.
We'll email you once when Fathom launches. No spam. Unsubscribe anytime.
✓ You're on the list! We'll be in touch.
What's included free
Privacy & data
- Local-first — encrypted before it leaves your device
- "Data Not Collected" privacy label
- Biometric lock (Face ID / fingerprint)
- CSV and JSON export
- AES-256 encrypted database
Data ingestion
- OFX / QFX bank statement import
- CSV import with field mapping
- PDF statement and receipt import
- Manual transaction entry
- Email alert ingestion (Big 5 banks)
- E-receipt parsing (Gmail / Outlook)
- Receipt OCR (camera)
Accounts & categories
- Unlimited accounts and history
- Custom category rules
- CRA-aligned categories
- Automatic reconciliation engine
- Investment tracking (RRSP, TFSA, FHSA, non-registered)
Intelligence
- On-device AI agent
- Anomaly and subscription detection
- Natural language Q&A
- Proactive spending insights
- Depth Score — how clearly you see your finances
Export & reporting
- CSV and JSON data export
- CRA tax year export
- Spending charts and trends
Coming later (free)
- HST / GST tracking
- CRA investment tax year export
What Harbour adds
- Cross-device sync — E2E encrypted, P2P when possible
- Encrypted cloud backup — daily, zero-knowledge
- Web sync — your phone data accessible in your browser
- Household sharing — up to 5 members, shared ledger (coming soon)
- Open Banking — direct bank API access (when available in Canada)
Questions & answers
Is Fathom really free?
Yes. Every feature that runs on your device — no limits, no trial, no credit card. Harbour is optional, for things that need our infrastructure.
Do I need to create an account?
No. The free app works entirely on your device with no sign-up. Harbour sync uses QR or word-code pairing — no email or password required unless you use household sharing.
Do you sell my financial data?
No. We can't read it. Your financial data is encrypted on your device before it goes anywhere. Even Harbour sync stores only ciphertext we can't decrypt.
What does Harbour include?
Cross-device sync (E2E encrypted), encrypted cloud backup, web sync, and eventually household sharing and Open Banking. You pay for infrastructure we operate — the full app on your device is free forever.
Is the web app free?
Yes. The web app runs locally in your browser with all the same features as mobile. Harbour adds cross-device sync so your phone data appears on the web and vice versa.
What's the line between free and Harbour?
Everything that runs on your device is free. Harbour adds things that use our servers: sync between devices, encrypted cloud backup, and household sharing. You pay for the pipes, not the water.
What does 'email alert ingestion' mean?
You connect your Gmail or Outlook account. Fathom reads your bank's transaction alert emails on your device and turns them into categorized transactions. Your bank credentials are never involved — and the raw email is discarded after parsing.
Which banks are supported?
At launch, email alert parsing works with the Big 5: RBC, TD, BMO, CIBC, and Scotiabank. OFX and CSV import works with any Canadian institution. More email parsers are coming via app updates.