See your money ninety days before it happens.
Fathom turns your bills, paydays and habits into a calm, day-by-day forecast, so the tight weeks never arrive as a surprise.
A sample forecast · next 90 days
Redrawn every morning
Today
Oct 1
Balance this morning
30 days
Oct 31
After rent and two utility bills
60 days
Nov 30
Two days past the low point
90 days
Dec 29
Back up after two paydays
The next 90 days
Scroll, and watch the forecast unfold.
Every bill, payday and habit, projected day by day. Keep scrolling to travel ninety days ahead.
How it works
One forecast, three horizons.
Fathom reads the money you already have moving. Then it shows you today, the month ahead and the full ninety days, each with a different job.
01 — Today
Know what is safe to spend, right now.
Your balance, what is about to leave, and a single number for today: how much you can spend without touching next week.
Safe-to-spend, recalculated every morning
A nudge two days before any bill lands
02 — 30 days
See the tight days before you live them.
A calendar of every bill and payday, with the one day your balance dips lowest circled in coral. Move a payment, and the circle moves with it.
Bills and paydays on one calendar
The month’s tightest day, flagged early
03 — 90 days
Plan the season, not just the week.
The full ninety-day line with a confidence range around it. Spot a slow February in November, while there is still time to do something about it.
Forecast with a likely range
Goals that show up on the line
On the Mac
Your forecast, one glance from the menu bar.
Fathom for Mac lives quietly at the top of your screen. Click once for today’s safe-to-spend, the next bill and the line ahead.
One click, no window
A compact popover instead of another app to manage.
Keyboard first
Press ⌥ F from anywhere to check before you buy.
Always in sync
Change a goal on your phone, see it on your Mac a second later.
$3,248
Thu 9:41
Safe to spend today
$38.00
Rent · Harbor Lofts
Tomorrow
−$1,450.00
Studio Hale
In 3 days
+$4,200.00
Voices
People who stopped guessing.
Privacy
Read-only by design. Yours by default.
Read-only connections
Fathom can see balances and transactions. It can never move, send or spend money.
Encrypted end to end
Bank-grade encryption at rest and in transit, with forecasts computed on your device when possible.
Never sold
Subscriptions pay for Fathom. Your data is not the product, and it never will be.
never shown ads
Subscriptions pay for Fathom. Your data is not the product, and it never will be.
Pricing
Start free. Upgrade when the forecast earns it.
Glance
See the next 30 days, free forever.
No card needed
Free forever
30-day balance forecast
2 connected accounts
Bill and payday calendar
Low-balance alerts
Horizon
Most chosen
The full 90-day picture and What If.
per month
$48 billed yearly ($4/mo)
Everything in Glance
90-day forecast with confidence range
Unlimited accounts
What If scenarios
Subscription finder
Mac app with menu bar widget
Household
One forecast for up to four people.
per month
$96 billed yearly ($8/mo)
Everything in Horizon
Up to 4 members
Shared and private accounts
Split bills and goals
Priority support
Ninety days. No surprises.
Download Fathom, connect an account in two minutes and see your first forecast before your coffee cools.