FinChat (Fiscal.ai)

AI copilot for equity research that reads filings, transcripts, and KPI tables across 100,000+ public companies.

Freemium· Free; Pro $39/mo (annual) or $49/mo; Max and Enterprise API tiers aboveRAGMulti-model (proprietary finance-tuned copilot)

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Best for

Pick FinChat if you want a finance-tuned AI copilot that can answer questions about real 10-Ks, transcripts, and segment KPIs with citations.

Skip if

Skip it if you need a general-purpose chatbot, private-market data, or anything beyond global public equities.

FinChat (rebranded to Fiscal.ai in mid-2025 after a $10M Series A) is a conversational research terminal aimed at retail and pro investors. It pairs an LLM trained on financial data with structured fundamentals, segment/KPI breakdowns, analyst estimates, earnings transcripts, and SEC filings sourced via S&P Market Intelligence. Ask it for a side-by-side comp, a 10-K risk summary, or a custom screen in plain English and it returns the answer with citations back to the underlying filing.

The differentiator vs. plugging tickers into ChatGPT is the data layer: hand-curated segment and KPI history for ~2,000 companies, plus a stock screener with hundreds of metrics and an AI filter that translates English into screen criteria. Fiscal.ai also publishes FinanceBench results showing its copilot scoring multiples higher than general-purpose chatbots on finance Q&A. Free tier is genuinely usable (with a 2-week Pro trial); Pro is $39/mo annual ($49 monthly); Max and an Enterprise API/MCP tier exist for teams.

An API and white-label copilot are available for institutional buyers, and as of mid-2026 it ships as an official app inside ChatGPT and OpenAI Codex, so you can pull verified financials into a chat without leaving the model. Not open source, US/global equity coverage is the strength, fixed-income and private-market data are not.

Editor's take

The clearest example of why vertical, data-grounded copilots beat asking ChatGPT a finance question. The segment/KPI dataset is the moat; the LLM layer just makes it queryable. Worth the Pro tier if you do any serious fundamental work; the free tier is a useful upgrade over Yahoo Finance.

— The AI Tool Bible editorial team

Pros

✅ Hand-curated segment and KPI data on ~2,000 companies you can't easily get elsewhere
✅ AI copilot grounded in S&P Market Intelligence with citations to source filings
✅ Natural-language stock screener and earnings-transcript Q&A
✅ Free tier is genuinely usable; official ChatGPT/Codex app since mid-2026
✅ Enterprise API and white-label copilot for embedding in your own workflow

Cons

⚠️ Coverage is public equities only - no fixed income, options, or private markets
⚠️ Pro tier needed to unlock most of the AI copilot's depth
⚠️ Closed source and you're locked to their data pipeline
⚠️ Rebrand to Fiscal.ai still in progress - branding/URLs are inconsistent