Joiin review for multi-entity financial reporting on Xero, QuickBooks and Sage

What Joiin is and who this financial reporting software is for

Joiin is cloud software for financial reporting and consolidation. It connects to accounting systems such as Xero, QuickBooks and Sage, pulls the data from every entity you look after, and turns them into consolidated P&L, balance sheet, cash flow and KPI reports, dashboards and branded report packs.

The vendor pitches it at two groups. The first is businesses with more than one entity: CFOs, finance managers and owners running groups, portfolios, family offices or companies across several countries. The second is accountants, bookkeepers and advisors who report for clients, whether those clients have one company or many. If you only have one business and the reports in Xero or QuickBooks already do the job, you can probably skip it. The same goes for large groups that need a full enterprise consolidation and close system with audit-grade workflows, which is not how Joiin presents itself.

Joiin features and how the reporting workflow goes

Integrations with Xero, QuickBooks, Sage and Excel

You start a trial, connect each organization from your accounting software and authorize the entities you want included. Setup is mostly point and click, and there is no manual data entry once the connections are live. On Xero, the vendor says Joiin syncs automatically every day or on demand. The pricing page lists accounting integrations with Xero, QuickBooks, Intuit Enterprise Suite, Sage, MYOB, FreeAgent, Puzzle, Pennylane, Zoho Books and Fortnox, plus spreadsheets. Pro adds non-financial data, a Stripe connection and the Excel Add-In, which brings live Joiin data into your own workbooks.

Multi-entity consolidation and multi-currency

This is the core of the platform. Joiin maps charts of accounts across entities so group reports line up, automates intercompany eliminations (loans, sales and other intercompany transactions) and converts currencies with automatic exchange rates. Multi-currency reporting starts on Pro, and Max lets you set your own FX rates at group level.

Real-time dashboards, financial reports and report packs

Ready-made reports cover P&L, balance sheet, cash flow, trial balance and KPIs, plus sales and purchasing reports such as AR and AP ageing, sales by customer and purchases by supplier. You can build custom layouts, show budgets against actuals, and put together branded report packs for boards or clients that you present live or export as Excel, PDF or CSV. Pro adds forecasting and global search, so you can track performance against plan and find transactions across the group.

Joiin Intelligence and Joiin Connect

Joiin Intelligence is the AI layer. Every plan gets AI chat and report summaries, Pro adds AI agents that act on your reporting, and Max adds an MCP connection so you can query Joiin data from Claude, ChatGPT and other AI assistants. Joiin Connect is the API: on Max it opens data access through the API and Zapier for custom Power BI, Tableau or data warehouse builds.

Joiin pricing

Pricing is set by the number of companies you consolidate, so Joiin pricing is easy to estimate before you start. Users, reports and clients are unlimited on every plan, and you can be billed in GBP, USD, EUR, AUD or NZD. The figures below are for one company. Prices checked 29 Oct 2026.

There is no free plan. The 14-day free trial runs on Max, needs no credit card, and you choose a plan inside the app when it ends. Your data and reports stay in place, but Max features switch off if you pick Core or Pro. Annual billing works out at two months free. You can change plan at any time, with the change taking effect on your next billing date. The terms say payments are billed in advance, you can cancel through your account settings, and data is kept for up to 12 months after cancellation. I could not find a general refund promise in the terms.

What a typical group costs on each plan

The per-company price falls as the group grows. A group of five companies on Pro costs £47 a month on annual billing (£564 a year) or £59 a month on monthly billing, which is $66 or $83 in USD. Ten companies on Core cost £70 a month billed annually. A single company on Core costs £20 a month billed annually. That makes Joiin cheap for small groups and accounting firms, but the bill does climb with every entity you add.

Joiin reviews from Xero and Sage users

On the Xero App Store, Joiin is rated 4.92 out of 5 from 494 Xero users (Oct 2026), and it has been listed there since December 2018. Reviewers quoted on the vendor's own site, taken from Xero and QuickBooks, mostly praise how much time it saves over spreadsheet consolidations and how easy it is to report across several entities. On the Sage Marketplace it holds 5 out of 5 from 5 reviews (Oct 2026). Those Sage reviewers mention responsive customer support and cost, and one accountant wrote that it did not yet have every feature they wanted, though it had the fundamentals right. That review is older, and the product has added a lot since.

Security, company and platform facts

Joiin Ltd is registered in England and Wales (company number 10881174) with its registered office near Exeter. The company says it launched in 2018, and its CEO and co-founder is Lucien Wynn. It describes itself as an Intuit Platinum App Partner and a Xero 2026 People's Choice finalist. On security, the vendor says it uses end-to-end encryption, multi-factor authentication and secure cloud hosting, and the Xero listing adds audit trails. Joiin is a web app, and reports are built to work on mobile devices too.

What changed recently

Joiin publishes quarterly release notes called Joiin Unwrapped. Q1 2026 brought forecasting, Joiin Intelligence, multi-lingual reporting and live Excel formulas. Q2 2026 added the Stripe connection, AI agents, one-click drill-downs and deeper custom layouts. Q3 2026 brought forecasting for everyone, a KPI Library, live shareable report packs and new connectors for MYOB, Fortnox, FreeAgent and Zoho Books. Pricing is now split into Core, Pro and Max, while the Xero listing still says all features come on every plan, so go by the pricing page. The terms of use were last updated on 5 May 2026.

Limits and drawbacks

• Cost scales with every entity you add, so a large group gets noticeably pricier.
• Core reports in one currency only, so international groups need Pro or above.
• The API, Zapier and MCP access are Max only, and white labeling is still listed as coming soon.
• There is no free plan once the 14-day trial ends.

Joiin alternatives for accountants and finance teams

If you want to compare Joiin vs other reporting tools, these do the same job.

• Fathom: pick it if your main need is KPI analysis, forecasting and management reports for Xero or QuickBooks clients rather than heavy group consolidation.
• Spotlight Reporting: worth a look for accounting firms that want reporting and forecasting together under one subscription.
• Syft Analytics: a close like-for-like option for multi-entity reporting and consolidation across Xero, QuickBooks and Sage.
• Reach Reporting: pick it if custom report design and visual client packs matter more to you than group eliminations.

Verdict

Joiin is a well-reviewed, reasonably priced reporting tool, and the unlimited users, reports and clients make it easy for accountants and small finance teams to share the work. I would pick it for a group of a few to a few dozen entities on Xero, QuickBooks or Sage, starting the trial with your real data to check the eliminations and FX handling. Very large groups with complex close processes should look at enterprise tools instead.