📖 The AI Tool Bible

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
Visit website →
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

Explore related

FinChat (Fiscal.ai) alternatives →All RAGRuns on cliRuns on apiTools with an APIFree trial availableMore freemium tools

Compare with similar tools

All in RAG →
Compare
FinChat (Fiscal.ai) vs Pinecone
Side-by-side breakdown
Compare
FinChat (Fiscal.ai) vs LlamaIndex
Side-by-side breakdown
Compare
FinChat (Fiscal.ai) vs Elasticsearch Vector Search
Side-by-side breakdown

Pinecone

Featured
RAG · Hosted vector DB (not an LLM)
8.8

Managed vector database for production-scale similarity search.

Freemium· Free starter; serverless pay-as-you-go from $0.33/1M readsmanaged vector DBproduction RAG

LlamaIndex

Featured
RAG · BYO (Claude / GPT / open)
8.7

Data framework for connecting LLMs to your data.

Freemium· Free open-source; LlamaCloud paidRAGdata ingestion

Elasticsearch Vector Search

RAG · BYO embeddings (OpenAI, Cohere, Hugging Face, Mistral, Bedrock, Vertex, Azure) plus Elastic's built-in ELSER sparse model and E5 dense model
8.7

Hybrid vector + keyword search in the enterprise-grade Elasticsearch engine

Freemium· Free self-managed open-source core; Elastic Cloud Serverless usage-based (VCU-priced); Elastic Cloud Hosted from ~$95/mo (Standard) with Gold/Platinum/Enterprise tiers; custom Enterprise pricing.RAG chatbot over enterprise docsHybrid semantic + keyword product search

Snowflake Cortex

RAG · Anthropic Claude, Meta Llama, Mistral Large 2, Snowflake Arctic
8.7

Generative AI and RAG built into the Snowflake data cloud

Enterprise· Consumption-based via Snowflake credits; requires a Snowflake account. Free trial available at signup.snowflake.com. LLM function usage priced per credit per million tokens; Cortex Search and Analyst billed separately by credits consumed.Enterprise RAG chatbot over governed dataNatural-language SQL for business analysts

DataStax Astra DB

RAG · Bring-your-own embeddings; integrates with OpenAI, Cohere, Hugging Face, Mistral, NVIDIA NIM, and Vertex AI via server-side vectorize
8.6

Serverless vector and document database for production RAG and AI agents

Freemium· Free tier with generous monthly credits; Pay-as-you-go serverless consumption pricing (compute + storage + data transfer); Provisioned Capacity Units (PCUs) for predictable workloads; Enterprise plans with committed spend and private deployment options.RAG chatbot over enterprise documentsAgent long-term memory store

MongoDB Atlas Vector Search

RAG · Bring-your-own embeddings (OpenAI, Cohere, open models); native Voyage AI embeddings and rerankers
8.6

Vector search built into the operational database you're already using.

Freemium· Free M0 shared cluster / Pay-as-you-go on dedicated Atlas clusters (compute + storage + optional Search Nodes) / Enterprise Advanced self-managed licensingRAG over enterprise documentsProduct and content recommendation engines