FinKut vs Fiscal.ai
Both are AI stock research tools. FinKut is strongest at reading filings and calls, Fiscal.ai at breadth of data.
The short answer
FinKut is built to read US companies' 10-Ks, 10-Qs and earnings calls quickly: every finding in an analysis is tied to the place in the filing it rests on, and each answer management gives to analysts is marked. It has a permanent free plan, and its paid plans cost less than Fiscal.ai's.
Fiscal.ai (formerly FinChat) is for people who want breadth: more than 100,000 companies, ETFs and funds, multi-year KPI and segment data for more than 2,000 companies, numbers updated minutes after an earnings release, and an API and MCP connection.
Which one fits you?
FinKut is the better fit if
- you want to understand a 10-K or an earnings call quickly, with its sources.
- you want to see whether management answers analysts directly or evasively.
- you also follow congressional stock trades.
- you want to try it free first and pay less later.
Fiscal.ai is the better fit if
- you also look at companies outside the US.
- you want to follow KPIs over the years on a chart.
- numbers arriving minutes after an earnings release matter to you.
- you want to connect the data to your own AI tool through an API or MCP.
Side by side
✓ marks the side that is ahead on that row. No mark means the two are even.
| Feature | FinKut | Fiscal.ai |
|---|---|---|
| Pricing | ||
| Entry plan | Researcher: $29.99/mo, $24.92/mo billed yearly (ahead on this row) | Pro: $49/mo, $39/mo billed yearly |
| Top plan | Pro: $49.99/mo, $41.58/mo billed yearly (ahead on this row) | Max: $99/mo, $79/mo billed yearly |
| Free plan | Yes, no card needed (ahead on this row) | Not described in its help center; new users get a 7-day trial with a card |
| Refunds | 14-day money-back guarantee | None on monthly plans, 30 days on yearly plans |
| AI | ||
| 10-K and 10-Q analysis | Every 10-K analysis opens with an investor assessment and covers seven sections; findings come with the quotes they rest on, charts use the filing's own numbers; a separate analysis for 10-Qs (ahead on this row) | AI summary per document |
| Earnings call analysis | Guidance compared with the previous call and with analyst estimates; answers marked direct, partial or evasive; red flags checked against the 10-Q (ahead on this row) | Transcript, audio, slides and an AI summary |
| Citations | Numbered sources in chat that open the passage in place; 10-K findings with their quotes, call points tied to the sentence in the transcript | Source support in summaries |
| Connecting the data to your own AI tool | No | API and MCP, separate from the terminal (the API has a limited free tier) (ahead on this row) |
| Data | ||
| Coverage | 5,800+ US-listed companies | 100,000+ companies, ETFs and funds; its own data for ~13,000 companies, the rest from S&P Capital IQ (ahead on this row) |
| Financial history | Free 3 years, Researcher 10 years, Pro full history | Pro 15 years, Max 20+ years |
| Company-specific KPIs (subscribers, store count and the like) | Yes: the KPIs from every analyzed earnings call, with period, value and change, each tied to the sentence it was said in | 2,000+ companies, as multi-year series and charts (ahead on this row) |
| Segment revenue | Product and geographic breakdowns, as charts and tables | 2,000+ companies |
| Update speed | As soon as possible | Typically 3-7 minutes after the earnings release for companies with its own data (ahead on this row) |
| Other | ||
| Congressional trades | 74,000+ trades, on every plan (ahead on this row) | Not found on its pages |
| Export | Charts and cards as PNG/JPG on every plan (Free included); Excel/CSV and report PDFs from Researcher up (ahead on this row) | Data export on Max |
| 13F institutional holdings | 8,000+ managers each quarter; 4, 12 or 20 quarters of history depending on plan | Yes (US) |
| Stock screener | ~300 metrics and saved screens; your own ratios from Researcher up | Yes |
| Valuation templates | DCF with your own assumptions, a sensitivity table and saved scenarios (from Researcher up); peer comparison tool | DCF, IRR, reverse DCF, comparable companies (ahead on this row) |
| Call audio, slides, fund letters | No | Yes; ~30,000 fund letters (ahead on this row) |
Pricing
FinKut
- Free
- $0No card needed. 30 chat messages, 4 filing-analysis credits and 2 call analyses a month; 3 years of financial tables.
- Researcher
- $29.99/mo or $299/yr7-day trial. 500 messages, 40 credits and 25 call analyses a month; 10 years of tables.
- Pro
- $49.99/mo or $499/yr2,000 messages, 150 credits and 100 call analyses a month; full history.
- Refunds
- 14-day money-back guarantee
Fiscal.ai
- Pro
- $49/mo or $468/yr15 years of financials, 10 years of KPIs.
- Max
- $99/mo or $948/yrFull history, unlimited calls, export.
- Trial
- 7 daysCard required at sign-up; converts to a paid plan at the end.
- Refunds
- None monthly, 30 days yearly14-day withdrawal right in the EU and UK.
- API and MCP
- Separate productsBilled apart from the terminal; the API has a limited free tier.
List prices in US dollars, before tax (VAT is added in Europe), as of October 28, 2026. Fiscal.ai prices from its help center.
FinKut is strongest at reading, Fiscal.ai at data
FinKut's strength is reading. It opens a 10-K with an investor assessment and works through the business, financials, risks, management, capital and markets, and outlook, with the quote each finding rests on next to it. For every earnings call it analyzes, it also lists the operating KPIs mentioned, with period, value and change, tied to the sentence they were said in.
Fiscal.ai's strength is data. It extracts the numbers for US, Canadian, UK and European companies itself and typically publishes them 3-7 minutes after the earnings release; for other countries it uses S&P Capital IQ data. For more than 2,000 companies it keeps KPIs as multi-year series.
Earnings calls
FinKut goes inside the call. It compares each piece of guidance with the previous call (new, raised, maintained, lowered) and with analyst estimates, marks every answer to an analyst question as direct, partial or evasive, and shows red flags checked against the 10-Q, such as one-off items, non-GAAP emphasis or quietly lowered expectations, with their sources.
We did not see answers assessed this way on Fiscal.ai's pages. What stands out on Fiscal.ai is the material around the call: transcript, audio, slides and notes in one place.
Pricing and trial
FinKut costs less: billed yearly, Researcher is $24.92 a month and Fiscal.ai Pro $39. On the top plans, FinKut Pro is $41.58 a month and Fiscal.ai Max $79.
FinKut has a permanent free plan with no card and a 14-day money-back guarantee. On Fiscal.ai, new users add a card for a 7-day trial and monthly plans are not refunded; on yearly plans, though, its 30-day refund window is longer than FinKut's.
What else is in FinKut?
Besides the filing, earnings call and chat analysis:
- Reflex
Ask the same questions of up to 25 companies at once and see each answer with the sentence it came from.
Early access; preview on Free - Chart Builder
Chart 300+ metrics annually, quarterly or trailing twelve months; every series shows its change and yearly growth.
Your own formulas from Researcher up - Stock Screener
Filter by exchange, sector and ~300 metrics, and save your screens.
Your own ratios from Researcher up - Peer Comparison
Rank a company against its peers metric by metric, with ranking, map and time views and the median marked.
- Analyst View & Valuation
Revenue and EPS estimates for this year and next, with the analyst count, and a DCF with your own assumptions.
Estimates as a preview on Free, DCF from Researcher up - News Intelligence
A summary of the company's latest news, the bull and bear view and a watch list; every story scored for sentiment, relevance and impact.
Company summary as a preview on Free - Institutional Holdings
Portfolios of more than 8,000 managers each quarter: who bought and sold what, manager profiles and a sector map.
- Congressional Trading
More than 74,000 stock trades disclosed by senators and representatives, with the reporting delay.
- Research Reports
A company report in one click from a sector template or your own; a dated record, PDF and share link.
From Researcher up
Frequently asked questions
Fiscal.ai or FinKut?
It depends on what you need. Choose FinKut if you want to read 10-Ks, 10-Qs and earnings calls with their sources, see how management answers and pay less. Choose Fiscal.ai if you need non-US companies, multi-year KPI series or an API/MCP connection.
Which one is cheaper?
FinKut. Billed yearly, Researcher is $24.92 a month and Fiscal.ai Pro $39. Billed monthly, it is $29.99 against $49.
Does FinKut have a free plan?
Yes, and no card is needed: 30 chat messages, 4 filing-analysis credits and 2 call analyses a month, with the screener, chart builder, 13F and congressional trades open too. On Fiscal.ai, new users start with a 7-day trial that needs a card.
How does FinKut analyze a 10-K?
Every 10-K analysis opens with an investor assessment, followed by seven sections: summary, business, financials, risks, management, capital and markets, and outlook. Findings come with the quotes they rest on, charts are drawn from the filing's own numbers, and the original filing opens on SEC EDGAR. 10-Q analyses put the executive summary, management's view, outlook, risks, legal matters and investor questions in separate tabs. A filing without a ready analysis can be analyzed with credits: 3 for a 10-K, 1 for a 10-Q.
What does FinKut show for an earnings call?
Every piece of guidance management gives, with its range, its direction against the previous call (new, raised, maintained, lowered) and the analyst estimate next to it. Each answer to an analyst question is marked direct, partial or evasive. With sources, it also lists red flags checked against the 10-Q, such as one-off items, non-GAAP emphasis or quietly lowered expectations, the KPIs mentioned on the call, and topics discussed more or less than before. The earnings surprise, the direction of guidance and the market reaction are calculated from data.
Does FinKut have KPI data?
Yes. The operating KPIs mentioned on every analyzed earnings call (such as subscribers or store count) are listed with period, value and change, each tied to the sentence it was said in. Segment revenue by product and region is in the chart builder, and products and segments appear in the business tree of the 10-K analysis.
What other tools does FinKut have?
Reflex (early access: ask the same questions of up to 25 companies at once), a chart builder, a stock screener, peer comparison, analyst estimates and DCF, news intelligence, 13F institutional holdings, congressional trading and research reports. Some are open as previews on Free, some from Researcher up.
Are Fiscal.ai and FinChat the same?
Yes. FinChat renamed itself Fiscal.ai in June 2025.
Product names and trademarks belong to their owners; FinKut is not affiliated with these companies. Prices and features can change.
