Fiscal.ai vs Ramp
A detailed comparison to help you choose between Fiscal.ai and Ramp.
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Verdict: Ramp wins
Ramp scores 4.3/5, edging out Fiscal.ai at 3.9/5. US startups and SMBs that want free corporate cards with real spend controls and are ready to pay for AI that enforces policy and codes the books.
Fiscal.ai AI research assistant for public-company financials | Ramp AI corporate cards and spend management | |
|---|---|---|
| Rating | 3.9 (1 review) | 4.3 (1 review) |
| Pricing Model | freemium | free |
| Starting Price | Free tier available | Free |
| Best For | Retail and independent analysts doing fundamental research on public companies who want AI answers they can trace back to filings. | US startups and SMBs that want free corporate cards with real spend controls and are ready to pay for AI that enforces policy and codes the books. |
| Free Tier | ||
| API Access | ||
| Team Features | ||
| Open Source | ||
| Tags | free tier | free tierteam featuressso |
| Visit Fiscal.ai → | Visit Ramp → |
Fiscal.ai
Pros
- + Click-through audit to filing: on Max, every Copilot figure links to the exact filing page it came from — I traced several figures and the links landed on the right source paragraph
- + Same database is available as REST API, webhooks and an MCP server (api.fiscal.ai/mcp) with an official Claude connector, so research data flows into your AI tools
- + Free tier includes ten years of annual financials — enough for a real trend check before paying
- + Copilot does cross-document analysis on Pro (10-K vs earnings-call tone), which is more useful than single-document summaries
- + $79/month Max undercuts mid-market terminals dramatically while keeping standardized and as-reported figures side by side
Cons
- - No real-time quotes anywhere, and no options or futures — delayed fundamentals data only
- - Financial-data export is Max-only and stops at the US, Canada, ADRs, the UK and the EU despite 100K+ stock coverage
- - API transcript and news history is months deep, not years (news starts late April 2026), which limits backtesting
- - The API/MCP subscription publishes no price and bills annually, so infrastructure cost needs a sales call
- - Company is young (FinChat launched 2023, $10M Series A June 2025) — thin operating history compared with incumbent data vendors
Ramp
Pros
- + Free plan covers unlimited cards, AP (OCR invoices, approval workflows, fraud checks), AR, expense via SMS/Slack and AI reporting at $0/month per user
- + Policy enforcement is mechanical — Plus auto-locks cards when compliance (like missing receipts) is unmet
- + AI judgement features are clearly separated: free for collection and categorisation, paid ($15/user/month) for reviews, recommendations and full-field coding
- + Banking included: 2% on checking cash and 4.57% in the investment account per ramp.com/pricing at time of writing, with free wires and same-day ACH
- + Travel booking inside the same policy engine with 24/7 phone support on Plus
Cons
- - Primarily for US companies; broader local-currency issuing and reimbursements only appear on custom Enterprise pricing
- - Qualification typically requires incorporated entity with revenue or funding — pre-revenue bootstrappers may not pass
- - Plus carries a platform fee on top of the $15/user/month that is not published and requires a sales conversation
- - Procurement workflows (intake, POs, three-way match) are a paid add-on even on Plus
- - Savings and time-saved claims (85,000+ teams, millions of hours) are vendor marketing with no independent verification
Frequently Asked Questions
Which is better, Fiscal.ai or Ramp?▼
Ramp scores higher at 4.3/5 vs 3.9/5 for Fiscal.ai, making it the better-rated option in our comparison.
What is the difference between Fiscal.ai and Ramp?▼
Fiscal.ai: Fiscal.ai, formerly FinChat, answers questions about public companies from their filings, segment data and estimates. Ramp: Corporate card and spend management platform with AI that categorizes expenses, detects overspending, and suggests savings.
Is Fiscal.ai or Ramp more affordable?▼
Fiscal.ai starts at €0/mo, Ramp starts at €0/mo. Check the comparison table above for current pricing.
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