Comparison based on publicly available information as of September 2026. Check each product's site for current pricing.
Xtify and Fathom are both bot-free by default — each captures your Mac's own audio, so no extra participant shows up. The difference is what happens to the recording next. Fathom stores everything in a US cloud and keeps it indefinitely unless you delete it, and its Business tier is a sales-team product. Xtify keeps the audio on your Mac and pulls a private memory out of each meeting for one person.
Xtify records system and microphone audio locally on your Mac with no bot in the call. The audio never leaves the machine on any tier — the cloud sees only the transcript, briefly, for speech recognition and extraction, and keeps no copy afterward. The enterprise ASR and language-model agreements contractually exclude that text from model training. From each meeting Xtify pulls the decision, action item, risk and follow-up into a memory index on your disk, reachable only through a read-only local MCP server bound to localhost.
Fathom also captures your device mic and system audio without a bot, and can alternatively record a Zoom, Teams or Meet call you are on. But all Fathom data is stored in the United States and retained indefinitely unless you delete individual recordings or the whole account. Its AI sub-processors — Anthropic, OpenAI, Google — are contractually barred from training on user data, yet the recordings still sit on Fathom's servers for as long as the account exists. With Xtify they never get there.
Fathom's free tier includes unlimited recordings, transcripts and AI summaries for one user, and it records video with screen capture, which Xtify does not. Its Business tier adds CRM field sync, a deal board, coaching metrics and AI scorecards for a revenue team. If you want a free recorder with video, or sales-call automation, Fathom is built for that and Xtify deliberately is not.
For one person who would rather their recordings never sit on a vendor's servers, Xtify is the tighter fit. The audio stays on the Mac on every tier — Fathom's stays in a US cloud, retained indefinitely by default. No bot is ever a visible participant. The Ultra plan walls memory off per client or per workspace, so context for one client never reaches another. The read-only local MCP server lets an AI agent on your own machine use the memory with no cloud service holding a copy or a key. And Xtify's paid plans start at $6/month against Fathom's $16 per user.
| Xtify | Fathom | |
|---|---|---|
| Recording method | Local system + mic audio on the Mac · no bot in the call | Bot-free by default · captures device mic and system audio · optional Zoom/Teams/Meet recording |
| Where data lives | Audio stays on the Mac on every tier · cloud receives only the transcript and keeps no copy | All data stored in the United States · encrypted at rest and in transit · retained indefinitely unless deleted |
| Transcription | 60 languages · speaker diarization by voice · code-switching on Pro Max and up | Speaker attribution across accents, cross-talk and languages · live and post-call summaries |
| Team vs individual | Individual and consultant tool · Ultra adds per-client memory partitioning | No-cost tier is single-user · paid tiers per user · Team plans need a 2-user minimum |
| MCP access | Read-only local MCP server on localhost · Pro Max and up | Public API and MCP support · turnkey Claude and ChatGPT integrations |
| Price entry point | Free $0 · Pro from $6/mo · Pro Max from $10/mo · Ultra from $22/mo | Free $0 for one user · Premium from $16/user/mo · Team from $15/user/mo · Business from $25/user/mo |
Fathom pricing · figures fetched September 2026. Xtify pricing on the pricing page.
Choose Fathom if you want a free recorder with video and screen capture, or CRM sync and call-coaching for a sales team. Choose Xtify if you are one person who wants meeting audio and memory to stay on your own Mac.
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