Which ones run on real financial data, and which ones are guessing.
AI in investing splits into two groups that look identical from the outside. Some tools run AI on top of verified live financial data. Others generate text that sounds like analysis, including the numbers. The difference decides whether the output is usable.
AI runs on real-time institutional data from Fiscal.ai inside a fixed framework, adapting to the company's lifecycle phase, and every analysis is saved. You review and score it, so the conclusion is yours. Free plan, no card.
An AI score from 1 to 10 with a genuine track record since 2017, which is longer than most. Roughly 60% technical, so treat it as momentum rather than business quality.
Automated checks presented as plain-English passes and fails. A smart way to surface red flags, limited by applying one rulebook to every company.
Blends DCF and multiples into a fair value with a useful valuation-history chart. The AI element is a chatbot on top of the data rather than a structured analysis.
Genuinely strong at working through an argument and explaining concepts. No live financial data, no saved history, and it tends to agree with your framing.
Excellent for understanding a concept or summarising a document you already have. Its financial figures cannot be relied on.
Fast and convenient if you already work in Google's tools. Same core problem: the financial data is not dependable.
| # | Tool | Price | Best for |
|---|---|---|---|
| 1 | Stock Simplifier | Free plan, no card. Paid from $19.99/mo or $199/yr | Best AI research tool |
| 2 | Danelfin | Free tier, $199/yr Plus, $499/yr Pro | Best AI scoring system |
| 3 | WallStreetZen | Free tier, with paid Premium; Zen Investor around $99/yr | Best automated due diligence |
| 4 | AlphaSpread | Free tier, $144/yr, or $240/yr unlimited | Best AI valuation |
| 5 | Claude | Free, or around $20/mo Pro | Best AI for reasoning |
| 6 | ChatGPT | Free, or $20/mo Plus | Best AI for explanation |
| 7 | Google Gemini | Free, or around $20/mo Advanced | Best AI inside Google |
A guided wizard walks you through the business model, lifecycle phase, moat, management, growth, risk and valuation, filling in real data at every step. You review it, score it, and reach your own conclusion.
Free forever. No credit card · Upgrade anytime.