How much does Fiscal.ai cost?

The tool offers a free tier and a Pro plan at $39 per month on an annual basis or $49 per month. Higher tiers, including Max and Enterprise API options, are available for teams and institutional buyers.

Can I use Fiscal.ai to screen stocks in plain English?

Yes, it features a stock screener with hundreds of metrics and an AI filter that translates natural language into specific screen criteria. Users can ask for custom screens or side-by-side comparisons in plain English.

Does Fiscal.ai cover private markets or fixed income?

No, the platform is limited to global public equities. It does not provide data for fixed income, options, or private markets, making it unsuitable for those specific investment strategies.

Is Fiscal.ai available as an API or within other platforms?

Yes, an API and white-label copilot are available for institutional buyers. As of mid-2026, it also ships as an official app inside ChatGPT and OpenAI Codex, allowing users to pull verified financials into those chats.

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)7.2 / 10

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In short

Fiscal.ai is a conversational research terminal that answers financial questions using S&P Market Intelligence data. It is best for retail and pro investors needing cited insights on public equities, segment KPIs, and earnings transcripts.

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

Use cases

equity-researchearnings-call-analysisstock-screeningfilings-summarizationkpi-tracking

Frequently asked

What data sources does Fiscal.ai use for its answers?: It uses structured fundamentals, segment/KPI breakdowns, analyst estimates, earnings transcripts, and SEC filings sourced via S&P Market Intelligence. The system provides citations back to the underlying filing for every answer.
How much does Fiscal.ai cost?: The tool offers a free tier and a Pro plan at $39 per month on an annual basis or $49 per month. Higher tiers, including Max and Enterprise API options, are available for teams and institutional buyers.
Can I use Fiscal.ai to screen stocks in plain English?: Yes, it features a stock screener with hundreds of metrics and an AI filter that translates natural language into specific screen criteria. Users can ask for custom screens or side-by-side comparisons in plain English.
Does Fiscal.ai cover private markets or fixed income?: No, the platform is limited to global public equities. It does not provide data for fixed income, options, or private markets, making it unsuitable for those specific investment strategies.
Is Fiscal.ai available as an API or within other platforms?: Yes, an API and white-label copilot are available for institutional buyers. As of mid-2026, it also ships as an official app inside ChatGPT and OpenAI Codex, allowing users to pull verified financials into those chats.