Best Free AI Stock Research Tools (2026)

Federico Kunze Küllmer is the founder of Moneda, one of the tools compared here.

Short answer: If you want free AI help researching stocks, start with a tool that shows where its numbers come from. General chat assistants such as Claude, Gemini and Perplexity are free and good at explaining things, but they are not built around company filings. Data platforms such as Koyfin, Yahoo Finance and Stock Rover give you solid numbers with little or no built-in AI. Moneda sits between the two: an AI agent that works from filings and market data, inside an app where you can also invest.

• Best overall for beginners: Moneda (Standard plan free). The agent shows the source behind each figure and gives a bull and bear case, and you can invest in the same app.
• Best for explaining a filing or a finance idea: Claude (Free plan, $0)
• Best for a long free research report: Gemini (Free plan, €0, includes Deep Research)
• Best for quick web answers with links: Perplexity (free tier, Pro price not published on the pages we read)
• Best for free charts and dashboards: Koyfin (Free plan, $0)
• Best for market news and quotes: Yahoo Finance (Free Plan)
• Best for screening, once you outgrow free: Stock Rover (free plan, paid from $24/month)

The tools at a glance

Prices are as of October 2026, taken from each vendor's own page.

What to look for

A few plain questions sort these tools out fast.

• Can you see the source? A good answer shows where each number came from: a 10-K (the annual report US companies file with regulators), a quarterly filing or a live price. If you cannot check it, treat it as a guess.
• Does it work numbers out, or recall them? Chat assistants can mix up figures from memory. A tool that calculates from the data, for example a P/E ratio (share price divided by earnings per share) or free cash flow (cash left after running and investing in the business), is easier to trust.
• Does it show both sides? Every stock has a bull case (why it might do well) and a bear case (why it might not). One-sided answers are a warning sign.
• What data is behind it? Stocks only, or ETFs (exchange-traded funds, baskets of assets you buy like one share), funds and crypto too? US only, or global?
• What does "free" actually include? Free plans often cap history, searches or usage. Check the limit before you build a habit around the tool.
• Can you act on it? Some people want research only. Others want to research and invest in the same place.

The tools, one by one

1. Moneda

What it is: An app (mobile, plus web) built in Europe where you research and invest. Its agent, Moneda AI, runs on Numa 1, Moneda's financial AI engine.

What the AI does: It researches a company from its filings and live market data, works each figure out from the data and shows the source behind it. It gives you the bull and the bear case. It scores a company's 7 Powers, a framework for a moat (a lasting edge that keeps competitors out), checks the quality of earnings (whether reported profit is backed by real cash), and gives a Moneda Ratio, a descriptive 1 to 7 scorecard. It searches SEC filings and earnings-call transcripts by ticker and quarter. Its stock screener takes an idea in plain language and finds matches, and daily briefings keep you up to date on your portfolio and the market. It can build an illustrative portfolio from your goal, track it, tell you when something changes, stress-test it against 2008, 2020 and 2022, and benchmark it against gold, an index or any fund. It never tells you to buy or sell.

In Moneda's own tests (October 2026), Moneda AI scored 97.9% on groundedness, 92% on claim verifiability and 95.6% on FLARE-CFA. On the Vals AI Finance Agent Benchmark v2 public set it scored 80%, run and graded by Moneda. Vals AI's top published score is 65.4%, on its private set, which is a different set of questions.

Data covered: Stocks, ETFs, a few commodities through ETFs (gold, silver, oil) and crypto. In the same app you can invest in US-listed shares and ETFs, including fractional shares, and crypto. You approve every trade with your passkey (face or fingerprint). Moneda MCP connects Claude and ChatGPT to your Moneda account with the permissions you choose, and payments are still approved in the app. The REST API and CLI come with Premium and Ultra.

Price: Standard is free. Premium from €9.99/month. Ultra from €19.99/month, with more AI usage and 1, 5 or 10 commission-free trades a month.

Best for: Answers that show the source behind every figure, then investing in the same app, with your approval on every trade.

One honest limitation: There is no licensed broker research or expert-interview library. You can invest in US-listed shares and ETFs only, not European-listed stocks.

2. Claude

What it is: Anthropic's general AI assistant, on web, desktop and mobile.

What the AI does: On the free plan it can search the web, create files and run code, remember across conversations and connect to apps and tools. That makes it handy for asking what a section of a 10-K means, or for walking through a DCF (discounted cash flow, a way to value a company from the cash it may earn in future).

Data covered: Whatever it finds on the web or you give it. It has no dedicated market data feed documented on its pricing page.

Price: Free, $0. Pro is $17/month billed yearly ($200 up front) or $20 billed monthly. Max from $100/month.

Best for: Learning, and getting a filing or a finance term explained in plain words.

One honest limitation: It is a general assistant, not a stock research tool, so check any figure it gives against the original filing.

3. Gemini

What it is: Google's AI assistant.

What the AI does: The free plan includes Deep Research, which reads around a topic and writes a longer report, plus Canvas and Gems.

Data covered: Web sources. Its subscription page does not describe a dedicated market data feed.

Price: Free, €0 with a Google account. Google AI Plus €4.99/month, Google AI Pro €21.99/month, Google AI Ultra from €99.99/month.

Best for: A free first-pass report on a company or an industry.

One honest limitation: Google says usage limits apply and features vary by plan and region, and the free plan runs its lighter Flash-Lite model.

4. Perplexity

What it is: An AI answer engine that replies with links to its sources. It also runs a page called Perplexity Finance.

What the AI does: It answers questions from the web. Its help centre says free users get a limited number of Pro Searches per day.

Data covered: Not documented on the pages we could read.

Price: A free tier exists. The Pro price was not published on the pages we could load.

Best for: Quick questions where you want to click through to the source.

One honest limitation: Its finance and Pro pages did not load any detail for us, so we cannot confirm what the finance features or paid plan include.

5. Koyfin

What it is: A financial data and charting platform.

What the AI does: No built-in AI features are described on its home or pricing pages.

Data covered: Stocks, ETFs, mutual funds, government yields, indices, currencies, commodities, global economics, transcripts, crypto and news. Its screener covers more than 100K global securities.

Price: Free, $0, with 2 years of financials, 1 year of estimates, 2 watchlists, 2 screens and 2 dashboards. Plus is $39/month and Premium $79/month.

Best for: Free charts, macro dashboards and tracking a portfolio.

One honest limitation: It is a data tool, not an AI tool, and the free plan caps history at 2 years of financials.

6. Yahoo Finance

What it is: A finance news and market data site.

What the AI does: Not documented on its plans page.

Data covered: Its premium features focus on US equities and non-US equities traded on US exchanges. Premium data adds price history and financial statements for global stocks.

Price: A Free Plan for anyone following markets and business news. Bronze $7.95/month, Silver $19.95/month, Gold $39.95/month.

Best for: Following news and checking quotes.

One honest limitation: The plans page does not list what the free plan includes, or any AI features.

7. Stock Rover

What it is: A stock and fund research and screening platform.

What the AI does: No AI features are mentioned on its plans page.

Data covered: Paid plans start with 8,500+ stocks, 7,000+ ETFs and 40,000+ funds, with 400+ metrics.

Price: A free plan for basic research on individual stocks. Premium from $24/month on 2-year billing, $29/month yearly. Each paid plan has a 14-day free trial with no card needed.

Best for: Detailed screening once you are ready to pay.

One honest limitation: The free plan is basic, and Stock Rover says it does not give refunds on paid plans.

How to use free AI tools safely

Ask for the source, every time. Compare one key number, such as revenue or free cash flow, with the company's own filing. Ask for the bear case if the tool only gave you the bull case. A chat assistant gives you a place to start. The decision is still yours.

FAQ

Is there a free AI tool that researches stocks from company filings?

Yes. Moneda's free Standard plan includes Moneda AI, which works from filings and live market data and shows the source behind each figure. General assistants such as Claude and Gemini can read a filing if you share it or they find it online.

Can ChatGPT or Claude replace a stock research tool?

They can explain filings and concepts well. They are not built around a market data feed, so check their numbers against the original source. Moneda MCP lets you connect Claude or ChatGPT to your Moneda account if you want both.

What is a 10-K?

The annual report a US-listed company files with the Securities and Exchange Commission. It holds the audited financial statements and the company's own description of its risks.

Are free plans enough?

For learning and checking a few companies, often yes. Free plans tend to cap history, searches or AI usage, so heavy users usually end up paying.

Does any of these tools tell you what to buy?

Moneda AI never tells you to buy or sell. Treat any tool's output as research, and make the decision yourself.

This guide is for information only and is not investment advice.