Fiscal.ai provides a tiered subscription model designed to scale from casual retail investors to professional institutional analysts. Following its comprehensive rebranding from FinChat in mid-2025, the platform restructured its pricing to reflect its expanded AI capabilities and deeper integration with institutional-grade data providers like S&P Market Intelligence.

The current pricing structure is divided into three primary consumer tiers: Free ($0), Pro ($39/mo billed annually), and Max ($79/mo billed annually). For institutional clients and developers, Fiscal.ai offers a specialized API & MCP product with custom pricing based on data throughput and seat count.

Feature Free Plan Pro Plan Max Plan
Monthly Price (Annual) $0 $39 $79
Monthly Price (Monthly) $0 $49 $99
Financial History 10 Years 15 Years 20+ Years
KPI History 2 Years 10 Years 15+ Years
AI Copilot Basic Summaries Advanced Analysis Full Auditability
Data Export No No Yes (Excel/CSV)

Understanding the Fiscal.ai Rebranding and Pricing Shift

The transition from FinChat to Fiscal.ai was more than a cosmetic update. In 2025, the platform secured Series A funding to integrate deeper fundamental datasets and develop the Model Context Protocol (MCP), a standard that allows LLMs like Claude and ChatGPT to interact directly with structured financial data. This evolution necessitated a shift in the pricing tiers to accommodate the higher costs of institutional data licensing and the compute power required for real-time AI financial reasoning.

While the original FinChat "Plus" tier was popular among hobbyists, the new Fiscal.ai "Pro" tier has become the standard entry point for serious fundamental research. The price adjustment reflects the inclusion of "Segments & KPIs" data, which was previously a premium add-on but is now central to the platform’s value proposition.

Fiscal.ai Free Plan: A Gateway to AI-Powered Research

The Free plan serves as a robust entry point for investors who are moving beyond generic financial news sites but aren't yet ready for a professional terminal. Unlike many competitors that gate all meaningful data behind a paywall, Fiscal.ai offers surprising depth in its free tier.

What is Included in the Free Tier?

  • 10 Years of Annual Financials: This allows for basic trend analysis across income statements, balance sheets, and cash flow statements for over 100,000 global stocks.
  • 2 Years of Segment and KPI Data: Users can see the revenue breakdown for major companies (e.g., Apple’s iPhone revenue vs. Services revenue), though the history is limited.
  • Basic AI Copilot: The AI can summarize the most recent earnings calls and answer simple questions about a company’s current valuation.
  • 1 Dashboard: Users can track up to 30 rows of specific metrics in a single view.

Limitations for Serious Analysts

In our testing, the Free plan’s primary bottleneck is the lack of historical depth in KPIs. Two years of data is insufficient to track how a business segment performs through a full economic cycle. Additionally, the absence of data export features means all analysis must stay within the web interface, which is a significant hurdle for those who perform custom modeling in Excel.

Fiscal.ai Pro Plan: The Value Proposition for Serious Investors

At $39 per month (when billed annually), the Pro plan is positioned as the "sweet spot" for individual investors and independent equity analysts. It bridges the gap between basic screening and institutional research.

Expanded Data Depth and KPIs

The Pro tier expands financial history to 15 years and, more importantly, provides 10 years of Segment & KPI data. For a growth investor looking at a company like Amazon, this 10-year window is crucial for seeing the long-term margin expansion of AWS compared to the retail business.

Advanced AI Capabilities

The AI Copilot in the Pro plan is significantly more sophisticated. It includes:

  • Custom AI Summaries: Beyond simple earnings call transcripts, the AI can perform cross-document analysis, comparing what management said in the 10-K versus their tone during the Q&A of the earnings call.
  • Estimate Revisions: Access to analyst price targets and estimate revisions allows Pro users to see how the "smart money" is shifting its expectations in real-time.
  • Portfolio Notifications: Automated AI alerts that notify you when a specific risk factor is mentioned in a competitor’s filing.

The Inclusion of Equity Research

One of the most valuable additions to the Pro plan is the curated equity research feed. Fiscal.ai has integrated Morningstar’s AI-driven research, providing professional-grade reports that would typically cost hundreds of dollars individually.

Fiscal.ai Max Plan: Why Power Users Pay the Premium

The Max plan, priced at $79 per month (annual) or $99 per month (monthly), is designed for those whose workflow demands the highest level of data integrity and portability. This tier competes directly with mid-market terminals like Koyfin or FactSet.

The 20-Year Analysis Window

For cyclical industries—such as semiconductors, energy, or banking—having 20+ years of data is non-negotiable. The Max plan allows users to look back at how companies performed during the 2008 financial crisis or the 2001 dot-com bubble. This level of historical context is essential for stress-testing an investment thesis.

Data Auditability and Transparency

A standout feature of the Max tier is the "Click-thru Audit to Filing" capability. When the AI Copilot provides a figure—for example, "NVIDIA’s R&D spend as a percentage of revenue"—Max users can click that number and be taken directly to the exact page and paragraph in the SEC filing where that data originated. For professional analysts, this transparency is the difference between "guessing" and "verifying."

Export and Workflow Integration

The Max plan is the only consumer tier that supports full data exports. Users can download standardized financials, as-reported data, and KPI tables directly into Excel or Google Sheets. This feature alone justifies the cost for analysts who build their own Discounted Cash Flow (DCF) or LBO models.

Team Onboarding and Support

Max subscribers receive priority support and team billing options, making it the logical choice for small hedge funds or family offices that need to manage multiple seats under one account.

API and MCP: Pricing for Developers and Teams

With the 2026 update, Fiscal.ai introduced a dedicated product for the "AI-first" developer. The API and Model Context Protocol (MCP) integrations are handled separately from the terminal subscriptions.

What is the Model Context Protocol (MCP)?

MCP is a game-changer for AI power users. It allows tools like Claude Desktop or custom ChatGPT instances to use Fiscal.ai as a live data "brain." Instead of copying and pasting data, you can ask Claude, "Look at Fiscal.ai's data for Tesla and tell me if their inventory turnover is worsening compared to the industry average," and the AI will fetch the structured data directly.

Pricing for API Access

  • Developer Trial: Fiscal.ai typically offers a limited free trial for the API, covering a small number of requests per day to test connectivity.
  • Enterprise API: Pricing is custom and volume-based. It depends on the number of "companies covered" and the "daily call volume." For most small teams, this starts in the low hundreds of dollars per month.
  • Unlimited API Requests: Reserved for institutional Max-level enterprise agreements, allowing for high-frequency data pulling for proprietary internal dashboards.

Fiscal.ai vs. Competitors: A Price-to-Performance Breakdown

When evaluating if Fiscal.ai’s pricing is "worth it," one must look at the landscape of investment research tools in 2026.

Comparison with Bloomberg Terminal

A Bloomberg Terminal costs approximately $27,000 per year. Fiscal.ai Max, at roughly $948 per year, provides about 80% of the fundamental data for 3% of the price. While Fiscal.ai lacks the real-time bond trading, FX, and private equity data of Bloomberg, its AI-driven search and KPI depth are often superior for fundamental equity research.

Comparison with Tikr and Koyfin

Tikr and Koyfin are the closest rivals. Tikr is often praised for its global coverage, but its AI features lag behind Fiscal.ai’s Copilot. Koyfin offers superior technical charting and macro data, but it doesn't offer the same level of "Segment & KPI" granularity that Fiscal.ai provides. If your strategy is based on "Business Quality" and "Fundamental Analysis," Fiscal.ai’s pricing reflects a more specialized toolset for that specific niche.

Is Fiscal.ai Worth the Investment?

Determining the value of Fiscal.ai depends entirely on your capital under management and the depth of your research process.

  • For the $10,000 Portfolio: The Free plan or the Pro plan is the logical limit. Paying $468 a year (Pro) represents 4.6% of your total capital, which is a high hurdle to overcome just to break even.
  • For the $100,000+ Portfolio: The Pro or Max plans are easily justifiable. A single insight gained from an earnings call summary or a deep-dive KPI chart can easily prevent a loss or identify a gain that pays for the subscription for several years.
  • For the Professional Analyst: The Max plan is a requirement, primarily for the auditability and Excel export features.

FAQ

Does Fiscal.ai offer a free trial for paid plans?

Yes, new users typically receive a 2-week trial of the Pro features upon signing up for a Free account. Occasionally, the platform offers 7-day trials for the Max tier via specific partner links.

Can I use the "FC15" or other discount codes?

Fiscal.ai frequently partners with financial influencers and reviewers. Codes like "FC15" (providing 15% off) are often valid for the first year of a Pro or Max subscription.

What is the difference between FinChat and Fiscal.ai?

FinChat was the original name of the platform. In 2025, it rebranded to Fiscal.ai to reflect its broader mission of being an "AI Operating System" for finance, moving beyond just a chat interface to a full research terminal and API provider.

Does the Pro plan include Excel downloads?

No. Data export and download capabilities are strictly reserved for the Max plan. Pro users must perform their analysis within the Fiscal.ai web platform.

Which plan is best for tracking Warren Buffett or Super Investors?

The "Super Investor" tracking module is included in all tiers, but the depth of the holdings history and the ability to see quarter-over-quarter changes in a structured dashboard is enhanced in the Pro and Max plans.

Summary: Which Fiscal.ai Tier Should You Choose?

Choosing the right Fiscal.ai plan requires balancing your need for data history against your budget.

  1. Choose Free if you are a student or a casual investor who needs a cleaner interface than Yahoo Finance but doesn't perform complex modeling.
  2. Choose Pro if you are a dedicated fundamental investor who wants to understand the "why" behind the numbers. The 10-year KPI history and AI-driven analyst estimates provide the best value-to-price ratio.
  3. Choose Max if you are a professional analyst, a high-net-worth investor, or an Excel power user. The ability to audit every AI-generated number back to the original SEC filing is a critical safety net for those managing significant capital.
  4. Choose API/MCP if you are building your own tools or want to integrate institutional financial data directly into your LLM-based workflow.

Fiscal.ai has successfully positioned itself as the premier "AI-First" terminal. While the price points are higher than basic stock screeners, the time saved in summarizing transcripts and the proprietary nature of its KPI database make it a formidable tool in the 2026 investment landscape.