FinChat alternative: FinChat is now Fiscal.ai
First, the thing you probably came here to find out. FinChat rebranded to Fiscal.ai in 2025. Same company, same product line, new name. If you are searching for FinChat and finding a site called Fiscal.ai, nothing has gone wrong.
Second, the useful part. Fiscal.ai is very good at what it does, and what it does is not quite what people often want when they go looking for it.
What Fiscal.ai is actually for
It is a research terminal with an AI assistant on top. Their plans sell depth: 15 years of financials on Pro, 20+ on Max, KPI data, earnings calls and transcripts, dashboards, equity research, data auditable back to the original filing, and export.
Where it beats us: 15 to 20+ years of financials against our 10, an AI research assistant over filings and transcripts, data auditable back to the source filing, and export.
On 20 years of history
We hold 10 years. They hold 15 to 20+. It is tempting to read that as a scoreboard, so here is our honest view: past a decade, more history mostly buys you comfort rather than insight.
Ten years spans a full cycle, including a downturn. It is long enough to see whether returns on capital hold up, whether growth is a trend or one good year, and whether management has been steady. Three to ten years is where a real change in direction shows up. The twentieth year of data rarely changes the decision.
Depth of data is not the same as depth of thought. If more numbers made better investors, the people with terminals would never lose money.
Where recency does matter
One place, and it is worth naming because Fiscal.ai is good at it: when a price falls hard and you need to know whether it is noise or the thesis breaking. Transcripts and the latest filings answer that, and today we do not carry them.
For the long-term case, though, a company's quality does not change between Tuesday and Thursday. We update yearly because the method is measured in years.
The comparison
| Wonderfolio | Fiscal.ai | |
|---|---|---|
| Price | $144 every 6 months ($24/mo) or $39/mo | Pro $39/mo billed annually, or $49/mo |
| Free tier | None. 14-day money-back guarantee | 7-day trial |
| What it is built to do | Screen for quality, then value the survivors | Research a company deeply, with AI |
| Fair value | Four methods, shown as a range | Not listed on their plans |
| Buy / watch / hold / sell zones | Yes, a zone per company | Not listed on their plans |
| Quality screen done for you | Yes. 3,100+ in, fewer than 100 out | Not listed on their plans |
| Years of financials | 10 | 15 on Pro, 20+ on Max |
| Earnings calls and transcripts | No | Yes, with AI summaries |
| Export your data | No | Yes, on Max |
| Native Apple app | iPhone, iPad and Mac | Not listed on their plans |
Verified from Fiscal.ai's own pricing page in July 2026. “Not listed on their plans” means exactly that: the feature does not appear in their published plan features, which is not the same as saying it does not exist. Plans change. Check the live page before you buy.
The question neither tool asks the same way
Fiscal.ai answers “tell me everything about this company.” It assumes you already picked the company.
We answer “which companies are even worth my evening?” The quality screen runs first, across 3,100+ companies. Fewer than 100 clear it. Each survivor gets four independent fair-value estimates and a buy, watch, hold or sell zone.
The two are not really substitutes. If you have a shortlist and want to go deep, Fiscal.ai is the better tool and costs about the same. If you do not have a shortlist yet, all the transcripts in the world will not give you one.
The honest summary
Fiscal.ai has deeper data than we do, more history than we do, and an AI assistant we do not offer. On raw research capability it wins.
We do one thing it does not do at all: narrow 3,100 companies down to a shortlist on quality, then tell you what price is worth waiting for on each one. Pick the tool that matches which of those two problems you actually have.
How much does Fiscal.ai cost?
Fiscal.ai pricing: Pro $49/mo ($39/mo billed annually) · Max $99/mo ($79/mo billed annually). Free option: 7-day trial. Verified from their own pricing page in July 2026.
For comparison, Wonderfolio is a single plan at $144 billed every 6 months ($288/yr, or $39/mo) — everything included, no tiers to compare, and a 14-day money-back guarantee in place of a free tier. Whether that's the right trade depends on whether you want the quality screen and price zones done for you; the full picture is in the comparison above.
Check Fiscal.ai's live pricing before you buy — plans change.
Get the shortlist first
Quality scores, four fair-value estimates, and a buy, watch, hold or sell zone for every company. On iPhone, iPad and Mac.
See pricingFor research and educational purposes. Not investment advice. Company names are used for identification only. Wonderfolio is not affiliated with, endorsed by, or sponsored by any company named on this page.