FinKut vs Qualtrim
Two tools for long-term investors: one reads filings and calls with sources, the other is cheap, visual and portfolio-focused.
The short answer
FinKut focuses on reading filings and calls: 10-K and 10-Q analysis, guidance and management's answers on earnings calls, chat with sources, 13F and congressional trades. It has a free plan with no card. If you want to see what a filing actually says, with its source, FinKut is the better fit.
Qualtrim is a fundamentals tool from YouTuber Joseph Carlson. Everything is included for $9.99 a month or $99 a year: more than 30 years of financial history, company-specific KPI charts, DCF, portfolio and dividend tracking, a mobile app, an exclusive Discord community and Joseph Carlson Show episodes.
Which one fits you?
FinKut is the better fit if
- you want to see what a 10-K or 10-Q says, with evidence, and ask questions about it.
- you want detail on guidance and management's answers on earnings calls.
- you need 13F data, congressional trades and a broad screener.
- you want to try it free before paying.
Qualtrim is the better fit if
- you want a low, flat price.
- you want to track your portfolio and dividend income.
- you want to see long financial history and KPIs in charts.
- you want a phone app, a Discord community or Joseph Carlson Show episodes.
Side by side
✓ marks the side that is ahead on that row. No mark means the two are even.
| Feature | FinKut | Qualtrim |
|---|---|---|
| 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) | Not advertised |
| 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) | AI summary: themes, guidance changes, management commentary |
| Chat with citations | Yes; answers tied to passages with numbered sources (ahead on this row) | Not advertised |
| Moat and risks | 10-K risk section: category, severity, trend, bull/base/bear scenario | Analysis written by AI |
| Pricing | ||
| Free plan | Yes, no card needed (ahead on this row) | No; 7-day trial on the monthly plan |
| Refunds | 14-day money-back guarantee (ahead on this row) | None (exceptions at Qualtrim's discretion) |
| Paid price | Researcher: $29.99/mo or $299/yr | One package: $9.99/mo or $99/yr (ahead on this row) |
| Data | ||
| Call transcripts | 170,000+ transcripts | Since 2005 |
| Company-specific KPIs | Yes: the KPIs from every analyzed earnings call, with period, value and change, each tied to the sentence it was said in | Custom KPI charts made by its team (ahead on this row) |
| Financial history | Free 3 years, Researcher 10 years, Pro full history | 30+ years (ahead on this row) |
| Coverage | 5,800+ US-listed companies | Company count not stated; multiple currencies |
| Tools | ||
| 13F and congressional trades | 13F data for 8,000+ managers each quarter and 74,000+ congressional trades, on every plan (ahead on this row) | Not advertised (insider trades are there) |
| Stock screener | ~300 metrics and saved screens; your own ratios from Researcher up (ahead on this row) | Not advertised |
| DCF | DCF with your own assumptions, a sensitivity table and saved scenarios (from Researcher up) | Yes; adjustable assumptions |
| Portfolio and dividend tracking | No; watchlists instead | Yes; unlimited portfolios (ahead on this row) |
| Mobile app | No (web) | iOS and Android (ahead on this row) |
| Community | No | Exclusive Discord community and Joseph Carlson Show episodes (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
Qualtrim
- Monthly
- $9.99/mo7-day trial.
- Yearly
- $99/yr$8.25 a month. Same features on both.
- Free plan
- None
- Refunds
- NoneExceptions at Qualtrim's discretion.
List prices in US dollars, before tax (VAT is added in Europe), as of October 28, 2026.
Two different approaches
FinKut reads a company's filings and calls. In a 10-K, the business, financials, risks, management and outlook are summarized in separate sections, and each finding shows the quote it rests on. The operating KPIs mentioned on every analyzed earnings call are listed with period, value and change; 13F and congressional trades are in the same place.
Qualtrim shows a company's long-term picture visually: more than 30 years of revenue, earnings and cash flow charts, KPI charts chosen by its team, DCF and portfolio tracking. A subscription also includes an exclusive Discord community and Joseph Carlson Show episodes.
What does the AI do?
In FinKut every output is tied to a source: 10-K findings come with their quotes, call points with the sentence in the transcript, chat answers with numbered sources. Each piece of guidance on a call is compared with the previous call, and each of management's answers is marked direct, partial or evasive.
In Qualtrim, AI writes about moats and risks, summarizes earnings calls and reviews your portfolio. By Qualtrim's own disclaimer these outputs may not always be accurate; its pages do not describe citations or a chat you can ask questions in.
Pricing
FinKut has a free plan with no card and a 14-day money-back guarantee, so you can try it in your own workflow before paying. Qualtrim has no free plan and purchases are not refunded; to try it, there is a 7-day trial on the monthly plan.
On paid price, Qualtrim is ahead: $99 a year against $299 for FinKut Researcher. Everything in Qualtrim comes in one package.
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
Qualtrim or FinKut?
Choose FinKut if you want to see what a filing or call actually says, with its source, assess management's answers and follow 13F and congressional trades. Choose Qualtrim if you want a cheap, visual tool with portfolio tracking and a community.
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. Qualtrim has no free plan; the monthly plan has a 7-day trial and purchases are not refunded.
Which one is cheaper?
On paid plans, Qualtrim: $9.99 a month or $99 a year. FinKut's paid plans start at $29.99 a month; on the other hand, FinKut has a free plan and Qualtrim does not.
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.
Product names and trademarks belong to their owners; FinKut is not affiliated with these companies. Prices and features can change.
