SchemaForge vs Fiscal.ai: Which AI Stock Research Platform is Right for You in 2025?

The AI revolution in stock research has created powerful platforms like Fiscal.ai (formerly FinChat.io) and SchemaForge—both leveraging artificial intelligence to democratize investment analysis. With Fiscal.ai boasting 350,000+ users and SchemaForge offering 98% data accuracy, how do you choose?

In this detailed comparison, we'll analyze both platforms across pricing, features, accuracy, and use cases to help you make the right decision for your investment research needs.

Executive Summary

Quick Decision Guide:

• Choose Fiscal.ai if: You want conversational AI with S&P Market Intelligence data, need extensive historical data (20 years), and prefer a chat-based interface
• Choose SchemaForge if: You want systematic framework-based analysis, need instant comprehensive reports (30 seconds), prefer transparent pricing, and value explainable AI reasoning

Key Difference: Fiscal.ai is a conversational data query platform (ask questions, get answers). SchemaForge is a systematic investment framework platform (apply frameworks, generate comprehensive reports). Both use AI, but for fundamentally different workflows.

What is Fiscal.ai?

Fiscal.ai (formerly FinChat.io) is an AI-powered investment research platform that combines conversational AI with institutional-grade financial data from S&P Market Intelligence. It allows investors to ask natural language questions about stocks and receive data-backed answers with source citations.

Fiscal.ai Core Features

AI Copilot & Data Access:

1. Conversational AI: Ask questions in natural language, get answers with citations
2. Comprehensive Coverage: 100,000+ global companies, 20 years of historical data
3. Advanced Stock Screener: 500+ filters including AI-derived sentiment
4. Data Visualization: Charts for comparing companies and identifying trends
5. DCF Modeling: Discounted cash flow models for valuation
6. Segment & KPI Data: Detailed breakdown for 2,000+ companies (10+ years)

Key Capabilities:

• S&P Market Intelligence data (human-verified)
• 30 years of transcripts, filings, earnings calls
• Analyst estimates and consensus ratings
• Unlimited customizable dashboards (higher tiers)
• Morningstar research reports
• Document upload capability (Pro tier)

Target Users:

• Individual retail investors
• Professional analysts and portfolio managers
• Boutique investment firms
• Fundamental analysis-focused investors

Pricing:

• Free Plan: $0/month (10 AI prompts/month, 5 years data)
• Plus Plan: $24/month or $19.20/month annually (250 prompts, 10 years data)
• Pro Plan: $64/month or $51.20/month annually (unlimited prompts, 20 years data)
• Enterprise: Custom pricing (API access, team billing, SSO)

User Base:

• 350,000+ registered users
• 100,000 users in first month after rebranding
• $10M Series A funding

What is SchemaForge?

SchemaForge is a global AI-powered investment framework platform that democratizes institutional-grade systematic analysis. It enables investors to apply customizable investment frameworks to any stock and generate comprehensive 20+ page reports in 30 seconds.

SchemaForge Core Features

Framework-First Investment System:

1. Investment Framework Engine: Apply systematic methodologies to any stock
2. Automated Report Generation: 20+ page comprehensive analysis in 30 seconds
3. Portfolio Management: Organize investments using framework-driven criteria
4. Intelligent Decision Support: AI explanations for every recommendation

Key Capabilities:

• One-click SEC filing data extraction (10-K, 10-Q)
• 5-year historical financial analysis
• Automated financial metric calculations (30+ metrics)
• Industry peer benchmarking
• 98% data accuracy rate (SEC official filings)
• Export in Word and PDF formats
• Multi-language support (English, Chinese, Japanese)
• Zero learning curve interface
• Custom framework builder

Target Users:

• Individual investors globally
• Independent financial advisors
• Portfolio managers at small firms
• Financial analysts
• Investment clubs
• Finance students and educators

Pricing:

• Free Plan: $0/month (5 comprehensive reports, permanent access)
• Pro Plan: $29/month or $276/year (unlimited reports, full features)
• Enterprise: Custom pricing (white-label, API access, team collaboration)

Geographic Focus:

• Global market (200+ countries)
• Multi-language interface and reports

Head-to-Head Comparison

1. Pricing & Value Proposition

Winner: SchemaForge - 55% cheaper for unlimited professional use ($29/mo vs $64/mo)

2. AI Approach & Technology

Winner: Tie - different AI approaches for different workflows

3. Data Coverage & Sources

Winner: Fiscal.ai for breadth (100K companies, 20 years); SchemaForge for accuracy (98%, direct SEC)

4. Core Functionality Comparison

Winner: Fiscal.ai for interactive exploration; SchemaForge for systematic reporting

5. User Experience & Workflow

Winner: SchemaForge for efficiency; Fiscal.ai for flexibility

6. Target User & Use Case Fit

Winner: Tie - both serve similar users, different workflows

7. Unique Strengths

Fiscal.ai Unique Advantages:

• 350,000+ user community (network effects)
• S&P Market Intelligence data (institutional-grade)
• 20 years of historical data (Pro tier)
• Extensive earnings transcript archive (30 years)
• Advanced stock screener (500+ filters)
• DCF modeling tools built-in
• Analyst estimates and ratings
• Morningstar research integration
• Document upload (Pro tier)

SchemaForge Unique Advantages:

• 98% data accuracy (direct SEC extraction)
• 30-second comprehensive report generation
• Custom investment framework builder
• Framework-based systematic investing
• Professional export formats (Word, PDF)
• Multi-language support (English, Chinese, Japanese)
• Zero learning curve (no prompt engineering)
• 55% cheaper for unlimited use ($29 vs $64/month)
• Global accessibility (200+ countries)
• Explainable AI reasoning

8. Limitations & Drawbacks

Fiscal.ai Limitations:

• ❌ Prompt limits (10-250/month on lower tiers)
• ❌ No Excel add-on (workflow integration)
• ❌ Requires internet connection (no offline)
• ❌ Learning curve (prompt engineering)
• ❌ Manual report compilation needed
• ❌ Not for technical analysis/charting
• ❌ 20-year data not in dashboard (Pro tier issue)
• ⚠️ Some customer service complaints

SchemaForge Limitations:

• ❌ Not conversational (no Q&A chat)
• ❌ 5-year data focus (vs Fiscal.ai's 20 years)
• ❌ No analyst estimates integration
• ❌ No earnings transcript search
• ❌ No DCF modeling tools (provides data only)
• ❌ No stock screener (framework-based approach)
• ⚠️ Limited team collaboration (Free/Pro tiers)

Detailed Use Case Comparison

Scenario 1: Beginner Investor Researching First Stock

Task: Understand Apple (AAPL) fundamentals before first investment

Fiscal.ai Workflow:

1. Ask: "What is Apple's revenue growth over the past 5 years?"
2. Ask: "How does Apple's profit margin compare to Microsoft?"
3. Ask: "What are Apple's key business segments?"
4. Review charts and data
5. Ask follow-up questions as needed
6. Total time: 15-30 minutes (depends on questions)
7. Cost: Free tier (within 10 prompts)

SchemaForge Workflow:

1. Search for Apple (AAPL)
2. Generate comprehensive report (30 seconds)
3. Review 20+ page report covering:
   • 5-year revenue, profit, growth trends
   • 30+ financial metrics automatically calculated
   • Industry peer comparison
   • Business segment analysis
4. Total time: 5-10 minutes
5. Cost: Free tier (within 5 reports)

Winner: SchemaForge - faster comprehensive overview; Fiscal.ai better for specific questions

Scenario 2: Analyst Comparing 10 Tech Stocks

Task: Quickly analyze 10 technology companies for investment selection

Fiscal.ai Workflow:

1. Create dashboard for 10 stocks
2. Use screener to filter by criteria
3. Ask comparative questions for each company
4. View charts and metrics
5. Estimated 50-100 prompts (if asking detailed questions)
6. Total time: 2-4 hours
7. Cost: $24/month Plus or $64/month Pro (250 prompts not enough for deep dive)

SchemaForge Workflow:

1. Add 10 stocks to watchlist
2. Generate comprehensive reports for all 10 (5 minutes total)
3. Apply investment framework criteria to all reports
4. Compare companies using framework scoring
5. Total time: 30-45 minutes
6. Cost: $29/month Pro (unlimited reports)

Winner: SchemaForge - 75%+ time savings, lower cost for systematic comparison

Scenario 3: Financial Advisor Creating Client Report

Task: Generate professional investment analysis for client presentation

Fiscal.ai Workflow:

1. Research stock using conversational queries
2. Export charts and data tables
3. Compile information into Word/PowerPoint manually
4. Format for client presentation
5. Total time: 1-2 hours per stock
6. Cost: $64/month Pro (unlimited prompts needed)
7. Output: Manual compilation required

SchemaForge Workflow:

1. Select stock
2. Apply investment framework
3. Generate 20+ page professional report (30 seconds)
4. Export as PDF or Word
5. Add advisor branding (if needed)
6. Total time: 5-10 minutes per stock
7. Cost: $29/month Pro (unlimited reports)
8. Output: Client-ready PDF/Word report

Winner: SchemaForge - 90%+ time savings, 55% cost savings, professional output

Scenario 4: Deep Research with Historical Analysis

Task: Analyze company's 15-year performance and business evolution

Fiscal.ai Workflow:

1. Upgrade to Pro tier ($64/month) for 20-year data
2. Query historical metrics year-by-year
3. Create charts spanning multiple years
4. Research segment evolution over time
5. Access 30-year transcript archive
6. Total time: 2-3 hours
7. Cost: $64/month Pro (20-year data access)

SchemaForge Workflow:

1. Generate report with 5-year comprehensive data
2. Manually supplement with older 10-K filings if needed
3. Total time: 30 minutes - 1 hour
4. Cost: $29/month Pro
5. Limitation: Only 5 years automated (vs Fiscal.ai's 20)

Winner: Fiscal.ai - better for extensive historical analysis (20 years)

Cost-Benefit Analysis: ROI Breakdown

Fiscal.ai ROI (Professional Analyst Example)

Annual Cost (Pro): $768/year ($64/month paid annually) User Profile: Financial analyst analyzing 50 companies/year Time Savings: 30 hours/month (vs manual data compilation) Hourly Value: $75/hour Annual Time Savings Value: 30 hrs × 12 months × $75 = $27,000 Net ROI: $27,000 - $768 = $26,232 (3,414% ROI)

SchemaForge ROI (Same Analyst Example)

Annual Cost (Pro): $348/year ($29/month paid annually) User Profile: Financial analyst analyzing 50 companies/year Time Savings: 40 hours/month (automated report generation) Hourly Value: $75/hour Annual Time Savings Value: 40 hrs × 12 months × $75 = $36,000 Net ROI: $36,000 - $348 = $35,652 (10,249% ROI)

Comparison: SchemaForge delivers $9,420 more net value annually for same user ($35,652 vs $26,232)

10 Alternative Platforms to Consider

1. Fintool (Enterprise pricing)

• Best for: Institutional investors needing SEC filing deep-dives
• Key feature: 98.3% accuracy vs 55% for general AI, multi-model architecture
• Drawback: Enterprise-only, no public pricing
• vs Fiscal.ai: More accurate but less accessible
• vs SchemaForge: Similar accuracy focus, but institutional-only

2. StockInsights.ai (Pricing undisclosed)

• Best for: Value investors needing unlimited AI summaries
• Key feature: Unlimited AI-generated summaries of earnings calls
• Drawback: Limited feature transparency
• vs Fiscal.ai: Narrower focus (earnings calls)
• vs SchemaForge: Different approach (summaries vs comprehensive reports)

3. Boosted.ai (Premium pricing)

• Best for: Wealth managers and RIAs ($3T+ AUM clients)
• Key feature: Agentic AI (proactive monitoring and automation)
• Drawback: Very expensive, institutional focus
• vs Fiscal.ai: More automated, but premium pricing
• vs SchemaForge: Different market (wealth managers vs individual investors)

4. YCharts ($3,600-$6,000/year)

• Best for: Financial advisors needing Bloomberg alternative
• Key feature: Extensive data visualization for client presentations
• Drawback: Very expensive, no AI features
• vs Fiscal.ai: 88% more expensive ($3,600 vs $768/year), no AI
• vs SchemaForge: 1,000%+ more expensive, traditional platform

5. FirstradeGPT (FREE with account)

• Best for: Firstrade brokerage customers
• Key feature: Powered by Fiscal.ai, completely free
• Drawback: Requires Firstrade account, same as Fiscal.ai limitations
• vs Fiscal.ai: Free version of Fiscal.ai (with account)
• vs SchemaForge: Free but requires broker account

6. Bloomberg Terminal ($24,000/year)

• Best for: Professional traders and institutional analysts
• Key feature: Industry-standard real-time data and news
• Drawback: Extremely expensive, steep learning curve
• vs Fiscal.ai: 3,000% more expensive, not AI-first
• vs SchemaForge: 6,900% more expensive

7. Seeking Alpha Premium ($239/year)

• Best for: News-driven investors, dividend investors
• Key feature: Crowd-sourced analyst articles and ratings
• Drawback: Opinion-based (not systematic), variable quality
• vs Fiscal.ai: 69% cheaper but no AI, opinion-based
• vs SchemaForge: 31% cheaper but no systematic analysis

8. Koyfin ($468/year Pro)

• Best for: Visual learners, beautiful dashboards
• Key feature: Intuitive data visualization and charting
• Drawback: Limited AI capabilities, manual analysis
• vs Fiscal.ai: 39% cheaper but no AI Copilot
• vs SchemaForge: 34% more expensive, no AI analysis

9. ChatGPT / Claude Pro ($240/year)

• Best for: General financial questions and learning
• Key feature: Flexible conversational AI
• Drawback: Not specialized (85% accuracy vs 98%), no data integration
• vs Fiscal.ai: 69% cheaper but no financial data access
• vs SchemaForge: 31% cheaper but 85% vs 98% accuracy, no SEC data

10. Stock Rover ($336/year Premium Plus)

• Best for: US equity investors, stock screening
• Key feature: Powerful screening tools, portfolio grading
• Drawback: US-focused only, no AI capabilities
• vs Fiscal.ai: 56% cheaper but no AI, US-only
• vs SchemaForge: 3% more expensive, no AI analysis

How to Choose: Decision Framework

Choose Fiscal.ai if you:

✅ Prefer conversational interaction (ask questions, explore) ✅ Need extensive historical data (up to 20 years) ✅ Want analyst estimates and ratings integrated ✅ Use stock screening heavily (500+ filters) ✅ Need DCF modeling tools built-in ✅ Value earnings transcript archives (30 years) ✅ Want S&P Market Intelligence data (human-verified) ✅ Don't mind prompt limits (10-250/month on lower tiers) ✅ Prefer iterative exploration over pre-built reports

Choose SchemaForge if you:

✅ Want systematic framework-based analysis ✅ Need comprehensive reports instantly (30 seconds) ✅ Prefer professional export formats (Word, PDF) ✅ Value explainable AI reasoning and transparency ✅ Want lower cost for unlimited use ($29 vs $64/month = 55% savings) ✅ Operate in global markets (multi-language support) ✅ Need zero learning curve (no prompt engineering) ✅ Prefer repeatable frameworks (save and reapply) ✅ Want client-ready reports (for advisors) ✅ Value 98% data accuracy (direct SEC extraction)

Consider both if you:

✅ Are a professional analyst with budget for multiple tools ✅ Want Fiscal.ai for exploration + SchemaForge for reports ✅ Need historical depth (Fiscal.ai) AND systematic frameworks (SchemaForge) ✅ Value complementary workflows (chat-based + report-based)

Frequently Asked Questions

Can I use both Fiscal.ai and SchemaForge together?

Yes! They serve complementary workflows:

• Fiscal.ai: Exploratory research, specific questions, screening
• SchemaForge: Systematic analysis, comprehensive reports, client presentations

Many professional analysts could benefit from both.

Which has better data accuracy?

SchemaForge claims 98% accuracy (direct SEC filing extraction). Fiscal.ai uses S&P Market Intelligence (human-verified by equity analysts).

Both are highly accurate, but different approaches:

• Fiscal.ai: Institutional data provider (S&P)
• SchemaForge: Direct SEC source (official filings)

What about free tiers?

Fiscal.ai Free: 10 prompts/month, 5 years data, limited features SchemaForge Free: 5 comprehensive reports/month, all core features

Both offer permanent free tiers. SchemaForge's free tier includes full report generation; Fiscal.ai's limits prompt count.

Which is better for financial advisors?

SchemaForge has the edge:

• ✅ Client-ready PDF/Word reports (instant)
• ✅ 55% lower cost ($29 vs $64/month)
• ✅ Professional export formats
• ✅ Framework repeatability

Fiscal.ai advantages:

• ✅ More data depth (20 years)
• ✅ Analyst estimates for client discussions
• ✅ DCF modeling tools

Do I need prompt engineering skills?

Fiscal.ai: Yes, moderate learning curve for effective prompts SchemaForge: No, zero learning curve (select stock, generate report)

Which is faster for analyzing 20 stocks?

SchemaForge: 10 minutes (20 stocks × 30 seconds each) Fiscal.ai: 2-4 hours (depends on queries and exploration depth)

For systematic batch analysis, SchemaForge is significantly faster.

Can either replace Bloomberg Terminal?

For retail/independent investors: Yes, both are excellent Bloomberg alternatives For institutional traders: No, neither offers real-time trading data or Bloomberg's full capabilities

Both democratize financial analysis at 95%+ cost savings vs Bloomberg ($24K/year).

The Verdict: Different Strengths for Different Workflows

Fiscal.ai and SchemaForge are both excellent AI-powered investment research platforms, but they serve different workflows with different strengths.

Fiscal.ai excels at conversational exploration and data querying. Its 350,000+ user base, S&P Market Intelligence data, 20-year historical access, and extensive screening tools make it ideal for investors who prefer interactive research and have specific questions to ask. The Pro tier ($64/month) provides unlimited prompts and maximum data depth.

SchemaForge excels at systematic framework-based analysis and report generation. Its 30-second comprehensive reports, 98% data accuracy, professional export formats, and 55% cost savings ($29/month for unlimited) make it ideal for investors and advisors who want repeatable, systematic analysis with client-ready outputs.

The Bottom Line

• For conversational exploration: Fiscal.ai is purpose-built
• For systematic reporting: SchemaForge is more efficient
• For historical depth: Fiscal.ai wins (20 years vs 5 years)
• For cost efficiency: SchemaForge wins (55% cheaper for unlimited)
• For beginners: Both are excellent (different learning curves)
• For advisors: SchemaForge has workflow advantage (client-ready reports)
• For analysts: Both valuable (consider using complementary workflows)

Ready to Transform Your Investment Research?

Try SchemaForge Free Today

• ✅ No credit card required
• ✅ 5 free comprehensive reports every month (forever)
• ✅ 98% data accuracy (direct SEC filings)
• ✅ Upgrade to Pro ($29/month) only when ready
• ✅ 55% cost savings vs Fiscal.ai Pro ($29 vs $64/month)
• ✅ 30-second report generation

Start Your Free SchemaForge Account →

Explore Fiscal.ai

• 💬 Conversational AI for stock research
• 📊 S&P Market Intelligence data
• 🆓 Free tier available (10 prompts/month)
• 📈 Advanced screening and DCF modeling
• 🗄️ 20 years of historical data (Pro tier)

Learn More About Fiscal.ai →

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Last Updated: January 2025

Disclaimer: This comparison is based on publicly available information as of January 2025. Pricing and features may change. We are SchemaForge, but we've provided an objective comparison to help you choose the best tool for your needs. Fiscal.ai (formerly FinChat.io) is a legitimate, well-funded platform with 350,000+ users; SchemaForge offers a different approach with systematic frameworks and lower pricing.

Have experience with either platform? Share your feedback to help others make informed decisions.