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Electe vs Fathom

Two fact sheets from our own research, side by side — pricing, platforms, API access and status re-checked by us rather than quoted from the vendors. Electe starts at $43, Fathom at $20. Only Fathom has a free tier. Only Fathom ships a public API.

ElecteConnects your accounting stack and forecasts revenue and cash flow without hiring an analyst.FathomMeeting recorder with instant summaries and CRM write-back

Side by side

FactElecteFathom
CategoryFinancial Planning & FP&AMeeting Assistants
Pricing modelPaidFreemium
Starts at$43 seat_month$20 month
Public APINoYes
PlatformsWebWeb, macOS, API
CompanyELECTE S.R.L.Fathom
Launched—2020
Last verifiedSep 6, 2026Sep 6, 2026

What our research says

Electe

Electe aims at the gap between a spreadsheet and a fractional CFO: connect the accounting stack, get forecasts, dashboards and written reports without an analyst. Data residency in Germany and an Italian legal entity make it easier to buy for European teams than most US alternatives. The per-user pricing is the sting - at EUR 39 a head it gets expensive as soon as more than the founder needs access.

Pros

  • Connects 50-plus sources including Xero, QuickBooks and HubSpot
  • Forecasts revenue and cash flow rather than only reporting the past
  • An agent keeps monitoring competitors and refreshing analyses between logins
  • Data hosted in Germany with GDPR, PCI DSS and CCPA compliance stated
  • Named legal entity with a Milan address, which is more than most tools in this batch disclose

Cons

  • Per-user pricing at EUR 39 a head adds up quickly for a small team
  • Seven-day trial only, no free tier
  • Prices exclude VAT, so EU buyers pay more than the headline
  • Cash-flow prediction and the AI agent are gated to the EUR 49 Business tier
  • No public API for pushing data in or pulling results out

Fathom

The best free notetaker on the market, and the paid tiers are cheap enough that most sales teams can skip a dedicated revenue-intelligence platform. Pick it unless you need deep conversation analytics, in which case Gong is still a different class of product.

Pros

  • Free tier includes unlimited recordings, transcripts and clips, which competitors gate
  • Bot-free capture avoids the awkward third participant in the call
  • Public API and MCP server on paid plans, plus native Claude and ChatGPT integrations
  • Aggressive switching offers: free Business for Gong contract holders, 10 free nonprofit seats

Cons

  • CRM sync is capped at three users per domain on lower tiers
  • Team plan requires a two-seat minimum, so a solo user pays the $20 Premium rate
  • Advanced and custom summary templates sit behind the higher tiers
  • Account-wide Ask Fathom search is still marked beta and has lookback limits by tier

Which one fits

Choose Electe if you need

  • European SMEs that want EU data residency
  • Founders without a finance hire who need cash-flow visibility
  • Teams already on Xero, QuickBooks or HubSpot

Choose Fathom if you need

  • Individuals who want unlimited recording and summaries without paying anything
  • Small sales teams that need CRM notes written automatically after every call
  • Anyone who wants meeting context piped into ChatGPT or Claude via API/MCP

More comparisons

All Fathom alternatives →Browse all Financial Planning & FP&A →