Finchat IO

AI investment research / financial data terminal

FinChat IO rebranded to Fiscal.ai in mid-2025 following a Series A round. It is an AI-powered investment research platform combining institutional-grade financial data (S&P Global Market Intelligence) with a specialized Copilot trained on finance. Covers 100,000+ global public companies with fundamentals, KPIs, segment data, earnings transcripts, and analyst estimates. FinanceBench benchmarks show 2–4× higher accuracy than general LLMs on financial questions.

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Features & details

Full overview from our catalog (read-only reference).

Category (short)

AI investment research / financial data terminal

Sponsored note

Target audience

Serious retail investors doing fundamental analysis, Independent analysts and finance content creators, Investors who want AI copilot with auditable, cited financial data, Developers building finance apps via API/MCP data feed, Not ideal for: traders needing real-time Level 2 data, or users wanting free unlimited deep history.

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Pricing notes

Verified from fiscal.ai/pricing (July 2026): Free — $0 forever; 10 years annual financials, 2 years KPIs, 1 dashboard, basic Copilot; includes 2-week Pro trial for new users. Pro — $39/month billed annually ($49/month monthly); 15 years financials, 10 years KPIs, 10 dashboards, equity research feed, custom AI summaries. Max — $79/month billed annually ($99/month monthly); 20+ years financials, unlimited dashboards, full data export, team billing, click-through audit to filings. API and MCP — Custom enterprise pricing for institutions and developers. Note: Old FinChat “Plus” tier maps to current Pro; old “Pro” maps to Max.

Pros & cons

Editorial notes to help compare fit before opening the vendor site.

Pros

Specialized financial AI significantly outperforms ChatGPT on finance questions
Institutional data from S&P Global at fraction of terminal cost
Copilot cites filings and transcripts for every answer
Free tier plus 2-week Pro trial lowers evaluation friction
API/MCP for integration into existing AI workflows

Cons

Rebrand creates naming confusion (FinChat vs Fiscal.ai)
Deep history and exports require $79/month Max tier
Not a trading platform — no execution or real-time quotes focus
API pricing opaque for smaller developers
Data depth still below full Bloomberg for fixed income and alternatives

Review notes

Context from the listing review and editorial research.

FinChat’s rebrand to Fiscal.ai reflects expansion from chatbot to full financial data infrastructure (terminal, API, MCP). Widely praised for making institutional data accessible at ~$39/month vs Bloomberg. Copilot citation of primary sources is a key trust feature. Free tier is genuinely usable post-trial. Available as official ChatGPT app since mid-2026.

Extended features

In-depth description and capability notes.

AI Copilot — Conversational research with cited sources from filings and transcripts. Financial data terminal — 10–20+ years of fundamentals, KPIs, and segment breakdowns. Stock screener with AI filters — Describe criteria in plain English; screener builds queries. Custom dashboards — Track companies, metrics, and earnings events. Data API and MCP connectors — Pipe verified data into ChatGPT, Claude, and custom tools. Earnings analysis — Transcript summaries, event tracking, and multi-quarter trend analysis.

Use cases

FinChat/Fiscal.ai fits retail investors, financial analysts, and fund researchers who need Bloomberg-adjacent fundamentals and AI-assisted analysis without a $24K/year terminal.