The Complete 2026 Platform Review That Saves 15+ Hours Weekly
1. Introduction & First Impressions
Fiscal AI is changing the game for investors in 2025. In a world full of generic chatbots, here is the verdict that matters most: Fiscal AI scores 2 to 4 times higher than standard models like ChatGPT when answering specific financial questions.If you have ever felt overwhelmed by 10-K filings or frustrated by expensive terminals, this platform is built for you. We have tested Fiscal AI (formerly FinChat) for over six months, using it to analyze earnings, track KPIs, and screen stocks.Who is this for? It is designed for serious retail investors, asset managers, and analysts who need institutional-grade data without the institutional-grade price tag.2. Product Overview & Specifications
Fiscal AI is not just a chatbot; it is a complete financial data terminal wrapped in a modern interface. It combines the raw data power of S&P Global with an AI assistant that actually understands finance.Key Specifications
100,000+Companies Covered
350,000+Active Investors
20+ YearsHistorical Data
$10MSeries A Funding
Pricing & Value
Fiscal AI offers a tiered pricing model that is aggressive compared to legacy competitors:- Free Plan ($0): Surprisingly generous. Includes 10 AI prompts/month, 5 years of financial data, and global coverage. Perfect for casual research.
- Plus Plan ($24/mo): The sweet spot. 100 prompts, 10 years of data, and Analyst Ratings.
- Pro Plan ($64/mo): For power users. Unlimited prompts, 20+ years of data, and unlimited dashboards.
3. Design & User Experience
The first thing you notice is how clean it is. Unlike the clutter of Yahoo Finance or the intimidating command lines of a Bloomberg Terminal, Fiscal AI feels like a modern SaaS product.Visual Appeal: The interface uses a "Dark Mode" friendly palette (though we are showing light mode here) with crisp charts. The layout is intuitive: navigation on the left, data visualization in the center, and the AI Copilot ready on the right.Usability: There is almost no learning curve. You can type "Show me Apple's revenue growth by region for the last 5 years" and get a chart instantly. It feels less like coding and more like talking to a junior analyst."The most intuitive platform I've ever seen for tracking business fundamentals."
4. Performance Analysis
4.1 Core Functionality: The AI Copilot
This is the main selling point. We tested the AI with complex queries like "Compare the gross margins of Tesla, Rivian, and Ford over the last 12 quarters."Result: It didn't just give text; it generated a comparative bar chart and cited the specific 10-Q filings where the data came from. This "Auditability" features solves the hallucination problem common in other AI tools.4.2 Data Coverage
Coverage is massive. You get data on over 100,000 global companies. We found detailed KPI data for over 2,250 specific companies—things like "iPhone units sold" or "AWS operating income"—data points that are usually buried deep in PDFs.4.3 Research Speed
In our tests, building a comparable valuation model for a new stock took about 45 minutes manually. With Fiscal AI, we gathered the same data and built a dashboard in under 10 minutes. That is a ~70% time saving.5. Feature Deep Dive
- Custom Dashboards: You can drag and drop widgets to monitor your portfolio. It allows for tracking custom metrics that you define.
- Earnings Call Summaries: The AI reads the transcripts and highlights the "bull" and "bear" points instantly.
- Screener: You can screen for stocks using natural language. e.g., "Find me SaaS companies with >20% growth and <5x sales."
6. Comparative Analysis
How does it stack up against the titans of the industry?| Feature | Fiscal AI | Bloomberg Terminal | Standard ChatGPT |
|---|---|---|---|
| Cost | $0 - $64/mo | ~$2,500/mo | $20/mo |
| Data Accuracy | High (S&P Global) | Very High | Low (Hallucinates) |
| Live Data | Yes | Yes | No (Cutoff dates) |
| Source Links | Yes (Direct to filing) | Yes | No |
| Ease of Use | Very Easy | Hard (Training needed) | Easy |
7. Pros and Cons
What We Loved
- AI accuracy is top-tier (FinanceBench verified).
- Direct links to source filings build trust.
- Beautiful, presentation-ready charts.
- Detailed segment data (KPIs) you can't find elsewhere.
- Free plan is genuinely useful.
Areas for Improvement
- No mobile app yet (web browser only).
- Technical analysis tools are basic compared to TradingView.
- Global data outside major markets can sometimes have delays.
8. Evolution & Updates
2025 has been a big year for the company.- Rebrand: Shifted from "FinChat" to "Fiscal AI" to reflect a broader platform vision.
- Funding: Secured $10M Series A in June 2025 to expand engineering.
- Roadmap: They are currently rolling out more predictive analytics and expanding their ETF data coverage.
"We believe Fiscal.ai will define how the next generation of investors make better investment decisions."
9. Purchase Recommendations
Best For: Fundamental investors, value investors, and analysts who spend hours reading 10-Ks. If you love digging into numbers, this tool is a superpower.Skip If: You are a pure day trader. If you need tick-by-tick charts and RSI indicators, you are better off with TradingView.Alternatives: Koyfin is great for macro data but lacks the AI chat. WallStreetZen is excellent for automated stock scores but offers less flexible data exploration.11. Final Verdict
Fiscal AI is the best AI-powered fundamental research tool in 2025.It solves the biggest problem with AI in finance: trust. By linking every data point back to the source filing, it unlocks speed without sacrificing accuracy. For $24/month, it is an absolute steal for any serious investor."Strongly endorse Fiscal.ai."
Frequently Asked Questions
Is Fiscal AI really better than ChatGPT for finance?
Yes. Standard ChatGPT often "hallucinates" numbers. Fiscal AI connects directly to live financial databases and 10-K filings, providing verified accuracy that is 2-4x higher on benchmarks.
Can I use Fiscal AI for free?
Yes, the Free plan gives you access to global data, 5 years of history, and 10 AI prompts per month, which is enough to test the platform thoroughly.
Does it work for crypto?
Fiscal AI focuses primarily on traditional equities (stocks), ETFs, and funds. It is not designed for cryptocurrency research.
How trusted is the data?
The platform uses S&P Global Market Intelligence, the same data provider used by major banks and institutional firms.