Featured partnerSign up to Lightyear and get up to €100 in a free fractional shareCapital at risk, terms apply. Seek guidance if necessary. Claim Up to €100 Capital at risk, terms apply. Seek guidance if necessary. - Fiscal.ai (formerly FinChat) is an AI-powered research platform that pairs a finance-tuned AI Copilot with institutional-grade data from S&P Market Intelligence.
- European coverage is a core strength, spanning the London Stock Exchange, all Euronext markets, Frankfurt and Xetra, and the SIX Swiss Exchange.
- The free plan is genuinely usable and paid tiers start at $39 a month billed annually, a small fraction of a Bloomberg terminal.
- It suits fundamental, long-term investors who want to do their own analysis faster, less so active technical traders or multi-asset portfolios.
Investment research has entered a new era with Fiscal.ai (formerly FinChat), an AI-powered platform that's revolutionizing how European investors analyze stocks. After securing $13 million in funding and attracting over 350,000 global users, Fiscal.ai positions itself as a game-changing alternative to expensive Bloomberg terminals. What makes this platform particularly compelling for EU investors is its comprehensive coverage of European markets combined with conversational AI that understands complex financial queries in plain language.
We tested Fiscal.ai extensively to determine whether it delivers genuine value for European investors or simply repackages existing AI technology with a financial wrapper. Our analysis reveals a platform that excels in fundamental analysis and global market coverage while presenting some limitations that specific investor types should consider carefully.
Strengths & drawbacksWhat we like about Fiscal.ai, and what to watch
After testing Fiscal.ai across its free and paid tiers, here is how the platform's strengths and limitations stack up for a European investor.
- Specialised AI Copilot that consistently outperforms general chatbots on financial questions
- Comprehensive coverage of major European exchanges (LSE, Euronext, Xetra, SIX)
- Proprietary segment and KPI data for 2,500+ companies unavailable elsewhere
- Institutional-quality S&P Market Intelligence data at retail prices
- Free tier includes robust features for evaluation
- 15% discount available with code EUINVEST at checkout
- The deepest data history, exports and click-thru audit are gated to the top Max tier
- Interface could be sleeker looking
- No dedicated mobile app yet
Fiscal.ai at a glance
What Fiscal.ai is known for
Fiscal.ai has built its reputation on democratizing institutional-grade financial analysis through conversational AI. The platform's standout feature is its AI Copilot, which acts like having a professional financial analyst on demand. You can ask questions like "Compare ASML's gross margins to semiconductor peers over five years" and receive comprehensive, sourced responses within seconds.
What sets Fiscal.ai apart from generic AI tools is its direct connection to S&P Market Intelligence data covering 100,000+ global companies. This means you're getting current, institutional-quality information rather than outdated training data. The platform particularly shines in its proprietary segment database, providing granular business unit metrics that traditionally require expensive terminals or hours of manual extraction.
Special offer for EU Investing Hub readers
EU investors can access Fiscal.ai at a 15% discount through our exclusive partnership. Use our link or enter code EUINVEST at checkout to save on any subscription tier. This discount applies to both monthly and annual plans, making the already competitive pricing even more attractive for European investors seeking professional-grade research tools.
CostsFees and pricing structure
Fiscal.ai offers four options: a free plan, two paid subscriptions (Pro and Max), and a separate API & MCP data feed for developers and teams. The free plan is genuinely usable, with 10 years of annual financials, basic KPI data, one dashboard, the stock screener, DCF modelling and AI summaries. New paid subscriptions start with a 7-day trial. Payment details are required, and the paid plan auto-renews unless you cancel before the trial ends.
The Pro tier at $39/month billed annually ($468/year, or $49 month-to-month) is the sweet spot for serious retail investors. It unlocks 15 years of financials, 10 years of KPI history, 10 dashboards, custom AI summaries, the equity research feed, analyst estimate revisions and unlimited brokerage connections. When you consider that a Bloomberg Terminal costs over $2,000 a month, Fiscal.ai's pricing is remarkably accessible. For analyst-driven research and ready-made stock ideas as a complement, Seeking Alpha is the better fit, with more on how the two differ below.
Professionals and small funds typically choose the Max tier at $79/month billed annually ($948/year, or $99 month-to-month), which adds 20+ years of financials, 15+ years of KPI history, unlimited dashboards, click-thru audit to the underlying filing, full data export and team billing. Separately, the API & MCP plan (custom pricing, via Fiscal.ai sales) pipes the same verified data into your own tools including Claude and ChatGPT, and is what institutions such as Morgan Stanley and Franklin Templeton license. Even at the Max level you are paying a small fraction of a Bloomberg subscription for comparable fundamental analysis.
| Feature | Free | Pro | Max | API & MCP |
|---|---|---|---|---|
| Price (billed annually) | $0 | $39 ($468/year) | $79 ($948/year) | Custom (via sales) |
| Month-to-month | $0 | $49 | $99 | Custom |
| Financials history | 10 years | 15 years | 20+ years | Full |
| Segment & KPI data | Limited | 10 yrs | 15+ yrs | Full |
| Custom dashboards | 1 | 10 | Unlimited | Not applicable |
| Connected brokerages | 1 | Unlimited | Unlimited | Not applicable |
| Custom AI summaries & equity research | Not applicable | |||
| Analyst estimate revisions | Not applicable | |||
| Export & click-thru audit | ||||
| API / MCP (Claude & ChatGPT) | ||||
| European markets |
Safety and data quality
Fiscal.ai sources its financial data from S&P Market Intelligence, one of the most trusted providers in institutional finance. This partnership ensures data accuracy and reliability that matches professional-grade platforms. The company updates earnings data within one hour of releases and maintains real-time synchronization with official filings.
The platform has raised $13 million in total, including a $10 million Series A in 2025 led by Portage Ventures with returning investor Social Leverage, and counts institutions such as VanEck, Morgan Stanley and Franklin Templeton among its users. While Fiscal.ai doesn't hold client funds or execute trades, which reduces regulatory complexity, we recommend verifying all AI-generated insights before making investment decisions.
PlatformsPlatform experience and features
The Fiscal.ai interface prioritizes efficiency over aesthetic complexity, featuring a clean design that emphasizes functionality. Upon logging in, you're presented with a command bar for AI queries, customizable dashboards for tracking portfolios, and quick access to recent research.
The AI Copilot experience feels genuinely conversational. Unlike traditional screeners requiring specific syntax, you can ask questions naturally: "Which European tech companies have the highest R&D spending as a percentage of revenue?" The system maintains context across queries, enabling follow-up questions that build on previous responses.
Creating custom dashboards proves intuitive, though we encountered performance slowdowns when adding multiple metrics simultaneously. The platform excels at fundamental analysis but lacks advanced charting tools, making it less suitable for technical traders who rely on indicators and pattern recognition.
Now available inside ChatGPT and OpenAI Codex
As of June 2026 you can use Fiscal.ai without opening Fiscal.ai. OpenAI added it as an official app inside ChatGPT and its Codex agent, part of a June rollout that included a plugin built for public-equity investing. For European investors that means you can stay in ChatGPT and still pull verified numbers: ask "show me ASML's gross margin versus its semiconductor peers over five years" and the answer comes back with Fiscal.ai's sourced data and citations rather than the model's best guess.
It is the same S&P Market Intelligence-backed financials, segments, KPIs and filings that sit behind the web app, including the European exchange coverage above. The app works for ChatGPT Plus, Pro, Business and Enterprise users on the web. You can connect it on Fiscal.ai's free plan to try it (limited to 25 companies) and unlock full 100,000-company coverage on a paid plan, with code EUINVEST taking 15% off.
CoverageSupported markets and assets
Fiscal.ai provides comprehensive coverage across major global exchanges, with particular strength in European markets. The platform covers the London Stock Exchange, all Euronext markets (Paris, Amsterdam, Brussels, Lisbon, Milan, Dublin, Oslo), Frankfurt Stock Exchange/Xetra, and SIX Swiss Exchange. This extensive European coverage matches or exceeds most competing platforms.
The asset coverage focuses primarily on public equities, with over 100,000 global securities available for analysis. While the platform includes some ETF and ADR data, coverage for bonds, commodities, and cryptocurrencies remains limited. This positions Fiscal.ai as optimal for equity-focused investors rather than multi-asset portfolio managers.
Best fitWho Fiscal.ai is best for
Fiscal.ai proves ideal for fundamental investors who prioritize research efficiency and data accessibility. European investors benefit particularly from the platform's comprehensive EU market coverage and multi-language AI support. The tool suits long-term investors, value investors analyzing financial metrics, and professionals seeking Bloomberg alternatives at reasonable prices. For another research tool with strong global coverage, Fair Value scores and AI-built stock picks, see our InvestingPro review. Check out our review of our top recommended broker for EU investors.
The platform works exceptionally well for investors who appreciate AI-assisted research and want to save hours on manual data extraction. If you regularly analyze earnings reports, compare sector metrics, or track business segment performance, Fiscal.ai's capabilities will transform your workflow.
ComparisonHow Fiscal.ai compares to Seeking Alpha
These two get compared a lot, but they solve opposite problems. Fiscal.ai hands you the raw verified data and an AI to work it yourself, no opinions, no ratings, no stock picks. Seeking Alpha hands you the research, the second opinions and ready-made ideas: quant ratings on every stock, thousands of analyst articles, and with Alpha Picks a quant-driven service that surfaces stocks for you.
For most investors who want curated research and a shortlist of ideas without doing all the digging themselves, the Seeking Alpha Bundle (Premium plus Alpha Picks together at a lower combined price) is still the option we point readers to first. Fiscal.ai is the better fit if you genuinely enjoy doing your own fundamental work and mainly want to do it faster with better data. Plenty of serious investors run both: Fiscal.ai as the data and AI layer, Seeking Alpha as the research and idea layer. Past performance does not guarantee future results, so treat any track record as context, not a promise.
Unique position
Fiscal.ai occupies a unique position as the only platform combining institutional-grade data, conversational AI specialized for finance, and comprehensive global coverage at retail prices. Unlike generic AI tools like ChatGPT or Gemini, Fiscal.ai connects directly to current financial databases and understands investment context. The proprietary segment data and KPI tracking capabilities remain unmatched by competitors.
VerdictFinal verdict
Fiscal.ai represents a genuine breakthrough in democratizing institutional-quality investment research. For European investors, the combination of comprehensive EU market coverage, revolutionary AI capabilities, and competitive pricing creates compelling value. The platform transforms hours of manual research into minutes of conversational queries while maintaining data quality that matches professional terminals. ETF investors will also appreciate the insights the platform provides.
We particularly appreciate the proprietary segment data that reveals granular business unit performance, critical for analyzing diversified European companies. The free plan and 7-day paid-plan trial let readers evaluate the platform, but the trial requires payment details and auto-renews unless cancelled. The Pro tier at $39/month billed annually offers strong value for serious investors. With our exclusive 15% discount using code EUINVEST, the platform becomes even more attractive.
However, potential subscribers should weigh the technical-analysis limitations for active traders and the fact that the deepest data history and exports sit on the Max tier. The platform best serves fundamental investors prioritising research efficiency over technical analysis or alternative assets. Despite these limitations, we believe Fiscal.ai delivers genuine value for European investors ready to embrace AI-powered investment research.
Getting startedHow to get started with Fiscal.ai
Frequently asked questions
Yes, Fiscal.ai provides comprehensive coverage of major European exchanges including the London Stock Exchange, all Euronext markets (Paris, Amsterdam, Brussels, Milan, Dublin, Oslo), Frankfurt Stock Exchange/Xetra, and SIX Swiss Exchange. The platform offers the same institutional-quality data for European stocks as it does for US equities.
Fiscal.ai's AI Copilot is specifically trained on financial data and connects directly to S&P Market Intelligence databases covering 100,000+ companies. On financial benchmarks it consistently outperforms general chatbots like ChatGPT, and crucially it provides current market data with citations to original sources rather than relying on training data.
Yes. Since June 2026 Fiscal.ai has been an official app inside ChatGPT and OpenAI's Codex, so you can pull its verified financials, KPIs and filings straight into a chat instead of switching to the web app. It is available to ChatGPT Plus, Pro, Business and Enterprise users on the web, free to try on the 25 free-plan companies, with full coverage on a paid plan (15% off with code EUINVEST).
The free plan includes 10 years of annual financials, basic KPI data, one dashboard, the stock screener, DCF modelling and AI summaries. New paid subscriptions start with a 7-day trial. Payment details are required, and the paid plan auto-renews unless you cancel before the trial ends.
The EUINVEST discount code provides 15% off any subscription tier and can be applied to both monthly and annual plans. This discount typically cannot be combined with other promotional offers. Annual subscriptions already include a 20% discount, and the EUINVEST code applies on top of this savings.
Fiscal.ai's responses are generally highly accurate due to direct integration with S&P Market Intelligence data. However, we recommend verifying all AI-generated insights before making investment decisions. The platform provides citations for all data points, allowing you to trace information back to original sources.
Fiscal.ai is primarily a web-based platform optimized for desktop use. While the website is mobile-responsive and functional on tablets and smartphones, there are no dedicated iOS or Android apps currently available. The complex nature of financial analysis typically benefits from larger screens anyway. Check our Delta or getquin who have dedicated apps to track your portfolio.
Featured partner: Capital at risk. Provider of the investment services is Lightyear Europe AS for the EU. Terms apply: lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice. Sponsored Link.
