The short answer: Fintool is no longer sold on its own. Microsoft acquired it, per a founder post dated April 18, 2026, and fintool.com now redirects to the Microsoft 365 product page. A desk that used Fintool for cited answers from filings gets the same workflow from AllMind AI, which then joins the answer to consensus, broker notes and the firm's own data on a quote-based contract. A solo investor should look at Hudson Labs ($99 a month billed annually), BamSEC ($69 a month billed annually) or Fiscal.ai, all self-serve. A Microsoft 365 firm can wait for Copilot, but nothing about Fintool inside it has been dated.

Who this is for: hedge fund and asset management analysts, sell-side associates, corporate finance and IR teams, and individual professional investors who relied on Fintool.

Published August 24, 2026. Last reviewed August 24, 2026. Written by the AllMind AI research team. Reviewed by Anwaar Malik, founder of AllMind AI.

Disclosure: AllMind AI builds one of the platforms compared here. We name the cases where a self-serve tool or a competitor fits better, and no vendor paid to be listed.

Key takeaways

• Fintool is gone as a standalone product. Announced by its founder on April 18, 2026 with terms undisclosed; fintool.com redirected to Microsoft 365 when we checked on August 24, 2026.
• Microsoft has not said what replaces it. Nothing has been published on subscriptions, data export or a ship date, and Microsoft's fiscal 2026 10-K, filed July 29, 2026, does not mention Fintool.
• The one-seat replacements are self-serve. BamSEC Pro is $69 a month and Hudson Labs Core $99, both billed annually, and Koyfin Plus is $39 a month, as listed in August 2026.
• AllMind AI is the replacement when the filing answer is step one of a longer job. Its ontology links the cited passage to consensus, broker notes and the firm's own warehouse tables.
• Copilot is the wait-and-see option. Listed at $30 per user per month since 2023, with Copilot in Excel finance connectors since June 25, 2026, and nothing about Fintool dated.

What happened to Fintool?

Microsoft acquired Fintool. Its founder, Nicolas Bustamante, announced the deal in a post dated April 18, 2026; terms were not disclosed, and as of August 24, 2026 fintool.com, its pricing page and its benchmark page all redirect to Microsoft 365. The reason given is that "knowledge workers are using Microsoft 365, and we should bring our expertise and IP there," and the post says nothing more specific.

In the founder's words, Fintool was "the daily research tool for thousands of professional investors across hedge funds, asset management, and investment banking," with cited answers from SEC filings and earnings transcripts at a self-serve price. Version 5, released in January 2026, added a background agent. Two facts set the timeline for replacing it.

• No standalone product exists to buy or renew, and nothing has been published on subscriptions, refunds or data export, so assume access can end without notice.
• The roadmap now runs through Microsoft 365, which turns a research-tool purchase into a tenant decision involving IT, compliance and $30 per user per month for Copilot.

Fintool alternatives: the 2026 shortlist at a glance

Nine tools cover the jobs Fintool was hired for, in four groups: cited answers from filings, the earnings call itself, a self-serve price point, and enterprise entitlements or an existing tenant. Prices are as listed in August 2026 unless marked as an estimate; the wider field is in our guide to the best AI tools for equity research in 2026.

Which alternative reproduces a cited answer from a filing?

AllMind AI, Hudson Labs and a general assistant with the document loaded all return a cited answer; BamSEC returns the passage without generating one, and Copilot answers only when the filing sits in your tenant.

The question asked: What drove Microsoft 365 Commercial cloud revenue growth in fiscal 2026, and how fast did total Microsoft Cloud revenue grow?

The source: Microsoft's Form 10-K for the fiscal year ended June 30, 2026, filed July 29, 2026 (full text on EDGAR). Every figure below is quoted from the filing, not from any product run.

What the filing says: Microsoft 365 Commercial cloud revenue grew 17%, "with growth in revenue per user driven by Microsoft 365 Copilot and Microsoft 365 E5," and seats grew 6% on small and medium businesses and frontline worker offerings. Microsoft Cloud revenue increased 27% to $214.4 billion. Total revenue rose $50.1 billion, or 18%, to $331.8 billion. The word Fintool does not appear in the document.

A Fintool user expected those sentences with links opening the 10-K at each passage; our guide to how AI reads SEC filings covers what a cited answer should contain. Step one on each alternative:

• AllMind AI: Chat scoped to that single 10-K or the Ask AI mode of Document Search; each claim links to its passage.
• Hudson Labs: Co-Analyst answers with citations under its stated no-hallucination guarantee.
• BamSEC: a search for "revenue per user" returns the paragraph with a link to the highlighted text; you write the answer.
• ChatGPT or Claude: upload the 10-K and the assistant quotes the passage with a page reference, inside that session only.
• Microsoft 365 Copilot: answers over the 10-K only if it is in your SharePoint.

The paths separate at the second question: how the 17% compares with what management said on the July call, where fiscal 2027 consensus sits, and what the firm's own model assumes for Copilot seats. On AllMind AI that is one run. The ontology holds Microsoft as an entity linked to its filings, transcript passages, LSEG (IBES) consensus and the firm's own model rows, and an agent traverses those links over minutes, returning each figure with its passage.

Behind that sit S&P, FactSet, LSEG and MSCI data, broker research, Expert Insights, global investor-relations data and live financials within minutes of a print. The transcripts come with the subscription; the broker research reads under the firm's own entitlements. The firm's side of the join is read where it lives, in Snowflake, Databricks or S3 tables queried through an IAM role your own engineers scope.

AllMind AI vs Fintool for financial analysis

Fintool was a self-serve assistant that answered questions from public SEC filings and transcripts with citations. AllMind AI is an AI research system for institutional investors that answers the same filing question and then keeps going across licensed data, entitled research and the firm's own systems, on a quote-based contract. One cited question at a time is a job for the self-serve tools below; a filing question that opens a memo or a model update is the AllMind AI case.

AllMind AI

AllMind AI is an AI research system for institutional investors, launched publicly on July 13, 2025, with a financial ontology under a set of research agents.

Where it wins: the filing workflow is covered several ways. Document Search runs Keyword, Semantic, Ask AI and Deep Dive modes over SEC and SEDAR filings, transcripts, IR presentations and news, with every result opening at the matching passage. Agent Studio sets monitors on filings, transcripts and news, so the alerts a Fintool user kept by hand become standing agents. For the compliance reviewer: an agent inherits the entitlements of whoever ran it and cannot widen them, and each query and each export is logged.

Where it falls short: it is not self-serve. There is no monthly plan and no card checkout, pricing is quote-based, and onboarding starts with your data team connecting the systems that make the depth worth having. Anyone who paid Fintool monthly on a personal card should take Hudson Labs, BamSEC or Fiscal.ai instead. What decides the fit is what sits around the seat, broker entitlements and a warehouse worth joining to the filing answer, not how many analysts sit behind it.

Which Fintool alternative fits the job you hired Fintool for?

Hudson Labs and BamSEC replace the filings job, Quartr the call, Fiscal.ai and Koyfin the self-serve price, AlphaSense the entitled content, Copilot the wait inside Microsoft 365, and a general assistant the one-off document you already hold.

Hudson Labs: cited answers and accounting red flags from filings

Hudson Labs is a filings-focused AI platform, founded in 2019, whose Co-Analyst returns cited answers and screens filings for accounting red flags.

Where it wins: it is the closest self-serve match for the Fintool habit. Core is listed at $99 a month billed annually with a two-week free period, answers carry citations under the company's stated no-hallucination guarantee, and the platform adds restatement-adjusted table extraction and peer comparators. Deep Dive, launched June 18, 2026, runs parallel agents over 500-plus documents at a listed $25 per project below 500 data points and $50 and up above. An MCP connection for Claude shipped on August 11, 2026.

Where it falls short: it is a filings and screening layer, with no entitled broker research, no expert calls and no route to a firm's own warehouse tables. Per-user pricing puts a 20-seat desk at $23,760 a year before any discount.

BamSEC, now part of AlphaSense: filing navigation, tables and EDGAR alerts

BamSEC is SEC filing navigation software: full-text search across filings and transcripts, tables to Excel, and email alerts when a watchlist company files.

Where it wins: speed and price. Pro is listed at $69 a month billed annually with a seven-day free period, search runs across all companies with Boolean operators, and "Highlighting and Link to Text" gives you a shareable link to the exact passage. Alerts arrive within 15 minutes of a filing reaching EDGAR, by the company's description. Its pricing page now describes BamSEC as part of AlphaSense, and Hudson Labs' comparison of June 23, 2026 says it joined through acquisition.

Where it falls short: there is no generated answer. You search, read and cite by hand, which is the part Fintool automated, and its listed plan features include no consensus estimates and no internal-data connection.

Quartr: transcripts, slides, audio and events

Quartr is an earnings-call app and API built on company-published materials: transcripts, slide decks, audio and event calendars.

Where it wins: the call itself, with transcript, audio and slides in one place, a free mobile app, and Pro and API tiers on request. Automations, launched August 24, 2026, run research tasks on a calendar or when an earnings event lands, and an MCP connection put its data inside Perplexity on June 8, 2026. Its July 27, 2026 funding announcement counted 15,000-plus companies and 800-plus institutional customers.

Where it falls short: it stops at first-party materials, with no entitled broker research, no accounting red-flag screening and no connection to your own data, so a filing question that starts in Quartr finishes elsewhere. Pro and API pricing is by request only.

Fiscal.ai and Koyfin: the self-serve price point

Fiscal.ai (formerly FinChat) is a fundamentals terminal with an AI copilot over 100,000-plus companies, and Koyfin is a low-cost data terminal for charts, screens and watchlists.

Where they win: price and speed of setup. Both are self-serve. Fiscal.ai's segment KPIs for the 2,300 largest companies answer the segment half of a filing question from its tables. A Fiscal AI connector appeared in the finance connectors Anthropic listed for Claude on May 5, 2026, and its API free tier covers 100 companies at 250 calls a day. Koyfin's published plans run from Plus at $39 a month to Advisor Pro at $299, as listed on August 24, 2026.

Where they fall short: no entitled content and no internal-data route. Neither carries broker research or expert calls, and Koyfin has no document search or cited AI answer, so a 10-K passage still comes from EDGAR or BamSEC. Fiscal.ai's pricing page could not be retrieved for this article; check plan prices before budgeting.

AlphaSense: enterprise entitlements

AlphaSense is a market-intelligence search platform over broker research, expert-call transcripts, filings and news, sold on enterprise contracts.

Where it wins: content a self-serve tool cannot carry. The expert library stands at 280,000-plus transcripts by the company's count, broker research is read under AlphaSense's own licenses, and Work Products, launched July 14, 2026, put results straight into PowerPoint and Excel. Pricing is quote-only; Vendr's median AlphaSense contract was a third-party estimate of $17,500 a year across 38 deals as of February 2026. Our AlphaSense alternatives page and the AllMind AI vs AlphaSense comparison work through the trade-offs.

Where it falls short: there is no individual plan, so a solo Fintool user cannot buy in at a monthly price, and the same estimates start near $9,000 a year. Internal content reaches it as SharePoint, Box and Drive documents through the Enterprise Intelligence tier, so a model in a warehouse table stays outside the answer.

Microsoft 365 Copilot: where Fintool went

Microsoft 365 Copilot is the assistant inside Word, Excel, Outlook and Teams, listed at $30 per user per month for Microsoft 365 business and enterprise plans since its 2023 launch.

Where it wins: the tenant is already there. It runs under the permissions and retention policies your tenant enforces, and Fintool's founder wrote that the aim is "the same level of craftsmanship and tailoring to financial services" inside Office and Microsoft 365. On June 25, 2026 Microsoft shipped Copilot in Excel finance skills with connectors to eight data vendors, including FactSet and LSEG.

Where it falls short: nothing about Fintool has shipped or been dated. As of August 24, 2026, Microsoft has published no scope, timeline or statement on former Fintool subscriptions, and its fiscal 2026 10-K does not mention the company. No entitled broker research sits behind it. A desk that needs cited answers this reporting season should run a $69 to $99 a month tool in parallel.

ChatGPT and Claude with file upload: the general assistant route

ChatGPT and Claude are general assistants that answer over a document you upload or reach through a connector, with finance templates and connectors added through 2025 and 2026.

Where it wins: ad hoc reading of a filing you already hold, at consumer prices. Anthropic listed ten finance agent templates for Claude on May 5, 2026, including an earnings reviewer and a model builder, plus connectors to FactSet, S&P Global and Fiscal AI among others. OpenAI added Codex finance plugins on June 2, 2026.

Where it falls short: no entitlements, no lineage and no audit trail. The document arrives by upload or web fetch, so provenance is whatever you pasted in, broker research cannot be read under your firm's license, and a compliance reviewer gets a chat log at best. Perplexity Pro is reported at $20 a month; the enterprise tiers a fund would need are priced by quote.

Should you wait for Microsoft 365 or migrate now?

Migrate now unless three things are true: your firm runs Microsoft 365 with Copilot approved by compliance, your Fintool use was a few cited questions a week, and you can go without them through the October and November 10-Q season. Nothing about Fintool inside Microsoft 365 has been dated, so waiting has no stated payoff date.

• One person, budget under $100 a month: BamSEC Pro at $69 or Hudson Labs Core at $99, both billed annually, replace the filing habit this week.
• A desk with research entitlements and its own warehouse, two analysts or twenty: AllMind AI or AlphaSense, with onboarding planned in. In the Substantive Research and Aiera survey of 35 large asset managers published July 16, 2026, 37% said onboarding takes four to six months.
• A firm standardized on Microsoft 365 with Copilot seats: wait, but keep one $69 BamSEC seat for EDGAR alerts meanwhile.

The migration checklist

Pull these out of Fintool while you still have access; Fintool has published no export notice. Budget half a day for a 40-name coverage list.

Frequently Asked Questions

Is Fintool still available?

No, not as a standalone product. Microsoft acquired Fintool, announced in a founder post on April 18, 2026, and as of August 24, 2026 fintool.com and its pricing page redirect to Microsoft 365. Nothing has been published on existing subscriptions or data export, so get a written answer from your former Fintool contact.

What is the best Fintool alternative for a solo investor?

For one person paying month to month, the closest replacements are self-serve. Hudson Labs Core costs $99 a month billed annually and returns cited answers plus accounting red flags. BamSEC Pro costs $69 a month billed annually for filing search, tables to Excel and EDGAR alerts. Koyfin Plus at $39 a month covers charts and screens.

Can Microsoft 365 Copilot replace Fintool?

Not yet for cited filing answers. Copilot answers over documents inside your tenant, and since June 25, 2026 Copilot in Excel connects to finance data from vendors such as FactSet and LSEG. Microsoft has published no date or scope for Fintool's features as of August 24, 2026, and Copilot is listed at $30 per user per month. Run a second tool in parallel this reporting season.

Which Fintool alternatives cite the exact passage in the filing?

AllMind AI opens every result at the passage in the filing or transcript, and each figure in a report links back to its source. Hudson Labs returns cited answers under a company-stated no-hallucination guarantee, and BamSEC links to the highlighted text. ChatGPT and Claude cite the page of an uploaded document, with no entitlement or audit trail behind it.

Does AllMind AI have a self-serve plan like Fintool did?

No. AllMind AI is sold on a quote-based contract to research teams, and onboarding starts with connecting the firm's own systems, so there is no monthly card-payment plan to swap in for a Fintool seat. A solo investor without broker entitlements is better served by Hudson Labs, BamSEC or Fiscal.ai. A desk that joins the filing answer to consensus, broker notes and its own model is the AllMind AI case.

AllMind AI is the AI-native research platform for institutional equity teams. If you want proof on your own work, send us the workflow you want tested.