Best Fiscal.ai Alternatives for Portfolio Research and Alerts (2026)

How do the Fiscal.ai alternatives compare?

This guide is by Ecomerate, one of the tools compared. Each claim about another product comes from that company's own pricing, product or help pages, listed under Sources. "Not stated" means we didn't find it on the pages we checked, not that the feature doesn't exist.

What does Fiscal.ai offer, and what does it cost?

Fiscal.ai, formerly FinChat, sells three products: a web Terminal for research, a data feed API, and MCP connectors that bring its data into AI tools such as Claude and ChatGPT. Its data covers financials and ratios, company-specific segments and KPIs, non-GAAP and management-defined metrics, raw filings, estimates and guidance, transcripts and slides, institutional holdings and insider transactions, and letters from more than 750 fund investors. Fiscal.ai says each figure clicks through to its source filing.

Its help center says it covers more than 100,000 public companies, ETFs and funds. Fundamentals for US, Canadian, EU, UK and ADR companies typically update 3 to 7 minutes after earnings; other markets update within 24 to 48 hours. Quotes are 15-minute delayed for companies on its own data and end-of-day elsewhere. You can connect a brokerage account to the dashboard, and its guide describes a notifications panel that tracks news, press releases and SEC filings for companies you follow.

Terminal Pro costs $49 a month or $39 a month billed yearly, and Max costs $99 or $79. API and MCP access is a separate subscription, annual only and non-refundable. Terminal and MCP both start with a 7-day free trial, which needs a card and converts to a paid plan unless you cancel. Asked whether you can use it for free, its help center points to that trial.

Best for: investors who want source-linked fundamentals and KPIs soon after earnings, in a terminal or inside their own AI tools. Trade-off: you do the reading. An AI assistant inside the Terminal isn't described on its current product pages; its AI route is MCP connectors to your own assistant. Its notifications sit in a panel you open.

What should you look for in a Fiscal.ai alternative?

• • Does it read the filing, or just store it? Many tools list 10-Ks and 10-Qs. Fewer read them for you and quote the passage that changed.
• • Does it know what you own? An answer about margins is more useful when it starts from your position and your reason for holding it.
• • Can you check the source? Each figure or claim should name the filing, section or transcript it came from.
• • How do alerts reach you? A panel inside an app only works when you open it, and email waits in your inbox. Push notifications and texts arrive where you already look.
• • Does it filter? A ping for every filing teaches you to ignore pings. Look for alerts tied to what matters for your holdings.
• • Coverage and history. TIKR, Koyfin and Fiscal.ai cover global markets and long histories. Several AI assistants, Ecomerate included, cover US-listed stocks only.
• • The price of the tier you'll actually use. Free plans often cut history, report counts or messages.

Ecomerate: research on the US stocks you own, in iMessage

• • What it is: an AI research analyst you text in iMessage, like any other contact. There's no app to install.
• • Filings: it reads 10-K, 10-Q and 8-K filings and Form 4 insider trades, and names the filing, section and date so you can open the passage. It also answers from earnings-call context.
• • Your holdings: text it your positions, such as "I own 50 NVDA at $120", and a line on why you own each. Answers, alerts and routines then refer to your position. Brokerage connections aren't live yet.
• • Alerts: about three texts a week by default, within quiet hours. It texts when a filing touches your thesis, when guidance changes or trading is halted, when it finds the cause of a big move, and when a price crosses a line you set. You can reply to any text with a question.
• • Price: free with 10 messages a week; Starter $11.99 a month, Professional $24.99, Ultimate $59.99. Paid plans start with a 7-day free trial.
• • Who it's for: investors who hold US stocks for their fundamentals and want each new filing and earnings release read against the reason they own the stock.
• • Trade-off: US-listed stocks and ETFs only, and it needs an iPhone, iPad or Mac. It works as a conversation, so for decades of history on one screen, a terminal suits better.

Moneda: AI research with sources, plus investing in the same app

• • What it is: an app where Moneda AI researches stocks, ETFs, commodities and crypto, and you can invest in the same place.
• • Filings: it reads filings, financial statements, earnings and news, works the figures out and shows where each one came from.
• • Your holdings: it watches what you hold and follow in Moneda and shows how much of your money sits in one company.
• • Alerts: you can set price alerts, and it notifies you when research it runs in the background is done.
• • Price: Standard is free; Premium from €9.99 a month or €99.90 a year; Ultra from €19.99 a month.
• • Best for: investors who want sourced AI research and to place trades in the same app.
• • Trade-off: its portfolio view centers on what you hold in Moneda, and prices are in euros.

Astor: an iMessage agent linked to your brokerage

• • What it is: an investing agent in iMessage that links your brokerage accounts.
• • Filings: it texts you about filings and headlines that touch what you own.
• • Your holdings: it works from your linked brokerage accounts.
• • Alerts: a morning brief, market alerts and an evening check-in, all in iMessage.
• • Price: free; Pro $19 a month or $120 a year, which adds custom deep-dive reports; Max $29 a month or $228 a year, which adds Text to Trade in a Robinhood agentic account.
• • Best for: iPhone users who want an agent that already sees their brokerage positions.
• • Trade-off: iPhone and US only. Gaus, Inc. DBA Astor is an SEC-registered investment adviser (CRD #338424), which some investors will want and others won't.

Perplexity: cited research with finance tools

• • What it is: an AI answer engine. Its Computer agent has access to more than 40 finance tools that pull from SEC filings and other sources, with each figure traced to its source, Perplexity says.
• • Your holdings: you can link brokerage accounts through Plaid for portfolio analytics on your actual holdings.
• • Alerts: not stated on the pages we checked.
• • Price: Pro is $20 a month. Which plans include Computer and its finance tools isn't stated in the posts we checked, so confirm before you subscribe.
• • Best for: open-ended, cited research on a company, a sector or a news event.
• • Trade-off: it's a general research tool, so you start each session and ask the questions.

Walnut: an AI app built around your portfolio

• • What it is: an AI investing app built around your portfolio.
• • Filings: not its focus. Walnut describes itself as reading your portfolio rather than a filings archive.
• • Alerts: price levels, daily moves of 1% to 50%, earnings dates and recaps, by app notification and email.
• • Price: free; Unlimited $9.99 a month, sold on the web only.
• • Best for: a low-cost AI app for portfolio questions and simple alerts.
• • Trade-off: if you want filings read for you, look elsewhere on this list.

Koyfin: charts, dashboards and filing alerts

• • What it is: a market data terminal with advanced charting, dashboards, screens and portfolio analytics.
• • Filings: press releases, filings and transcripts come with Plus. AI features aren't stated on its pricing page.
• • Your holdings: My Portfolios is on every plan, with advanced analytics on Premium; advisor plans add custodian integration.
• • Alerts: on filings, press releases and transcripts, by desktop, email or mobile push.
• • Price: free; Plus $39 a month billed annually or $49 monthly; Premium $79 or $110.
• • Best for: investors who build their own charts and dashboards and want a ping when a company files.
• • Trade-off: the alert tells you a filing exists; reading it is up to you.

TIKR: long global histories on a budget

• • What it is: a web research terminal covering 100,000+ stocks across 92 countries on paid plans.
• • Data: up to 30 years of financials, up to 5 years of analyst estimates, transcripts, disclosed holdings of up to 10,000+ funds and a valuation model builder.
• • Your holdings: watchlists only. Its help center says it doesn't track position sizes, cost basis or brokerage accounts.
• • Alerts: a watchlist feed and custom news feeds inside the terminal; email or push alerts aren't stated on its site.
• • Price: free (US stocks); Plus $24.95 a month or $17.95 billed annually; Pro $54.95 or $37.95; Ultimate $119.95 or $79.95.
• • Best for: hands-on investors who want a decade of global financials and analyst estimates for less than Fiscal.ai's Pro plan.
• • Trade-off: AI features aren't stated on its site. We compare it in detail in Ecomerate vs TIKR.

Simply Wall St: visual reports and portfolio tracking

• • What it is: visual company reports, screeners and portfolio tracking, covering 120,000+ stocks in 90+ markets.
• • Your holdings: portfolios with broker sync and AI transaction import; Charlie AI is listed on its paid plans.
• • Alerts: screener alerts, stock notes and alerts, smart updates on portfolios and watchlists on paid plans, and a weekly portfolio update email.
• • Price: a free plan with 5 company reports a month and one portfolio of 10 holdings. Premium and Unlimited prices aren't shown in its plans page text. New accounts get 7 days of Premium with no card.
• • Best for: investors who prefer charts and pictures to tables.
• • Trade-off: reading SEC filings isn't stated on its plans page.

Seeking Alpha Premium: ratings and analysis

• • What it is: Seeking Alpha's research service, with Quant Ratings, screeners and in-depth analysis on more than 4,000 stocks and ETFs.
• • AI: Ask Seeking Alpha, AI Summary Reports, Virtual Analyst Reports and Earnings Call Insights.
• • Your holdings: portfolios you set up, with alerts on news and articles by email or mobile push.
• • Price: $299 a year.
• • Best for: investors who use quant ratings and contributor analysis.
• • Trade-off: reading SEC filings against your holdings isn't stated on the pages we checked.

Can you do stock research inside iMessage with no app?

Yes. Two tools on this list run in iMessage. With Ecomerate, you create an account on ecomerate.com and then text it like any other contact, with nothing to install. Astor also works in iMessage and links your brokerage accounts. A text lands where you already look, and you can reply with a follow-up question in the same thread.

The limit is the device. Both need an Apple device: Ecomerate works on an iPhone, iPad or Mac, and Astor is iPhone and US only. Neither works on Android.

Which tools remember why you own a stock?

Most tools know what you hold, if you link a brokerage or enter positions. Fewer keep the reason you hold it. Ecomerate does: tell it why you own a stock and it remembers your reasons, then checks new filings and earnings against them. It texts about a filing when something in it touches one of your assumptions, quoting the detail, and doesn't ping you for every filing.

A hypothetical example: you text that you own a company because its largest customer keeps adding orders. The next 10-Q says that customer has paused orders. Ecomerate texts you that line with the filing and section named. Moneda keeps notes on companies you follow. The other tools here don't describe a thesis memory on the pages we checked.

Which tools run research routines on a schedule?

Ecomerate sends a pre-market brief at a time you choose. If you opt in, it also texts on Monday before the open with the holdings that report that week and what your thesis hinges on. Smaller items, such as analyst rating changes, go into a weekly note by default, unless you ask to hear about them as they happen.

Astor sends a morning brief and an evening check-in in iMessage. Walnut sends recaps by notification and email, and Simply Wall St emails a weekly portfolio update. Scheduled briefs aren't stated on the Fiscal.ai, Koyfin or TIKR pages we checked; their alerts and feeds tell you when something is filed or published.

When is another tool the better choice?

• • You research companies outside the US or want decades of history: TIKR, Koyfin or Fiscal.ai.
• • You want filing data inside your own Claude or ChatGPT: Fiscal.ai's MCP connectors.
• • You want to invest from the same app: Moneda lets you invest where you research, and Astor's Max plan adds Text to Trade. For Ecomerate it's not yet; automated trading is coming soon.
• • You use Android: Ecomerate and Astor run in iMessage, so pick a web or app-based tool.
• • You value quant ratings and contributor analysis: Seeking Alpha Premium.
• • You think in charts: Simply Wall St or Koyfin.

Where does Ecomerate fit?

Ecomerate is an AI research analyst you text in iMessage. Tell it what you own and why, and it reads new filings and earnings for those companies, texts you when something touches your reasons, and answers questions with the filing, section and date named. Ask for a deep thesis and a PDF research note arrives a minute or two later, covering your position, the bull and bear case, earnings against estimates, what would change the view and what to watch next.

Its limits: it covers US-listed stocks and ETFs only, and it needs an Apple device. Quotes and charts are sent with the time shown. Brokerage connections aren't live yet, so it knows your positions from what you text it. It isn't a broker or an investment adviser and never tells you to buy, sell or hold. Plans run from free, with 10 messages a week, to $59.99 a month, and its own texts don't count against your messages.