Era vs Fiscal.ai (formerly FinChat.io)

Era links your bank accounts, cards, and investments to AI assistants through a personal MCP server called Context. You connect accounts once, then ask Claude, ChatGPT, Cursor, Codex, or any MCP client about balances, spending, and goals without uploading spreadsheets or leaving the chat window.

Most budgeting apps keep your data inside their own dashboard. Era takes the opposite path: it exposes typed financial tools over the open Model Context Protocol, with shared memory that carries goals and preferences when you switch assistants. Context is read-write, so an agent can categorize transactions, set rules, and move money between your own accounts only after you approve each transfer.

Era also ships Agency, a native app for proactive alerts and automations, and Thesis, a research-grade investing product. The free Basic plan covers two connected accounts with 250 daily MCP tool calls. Paid tiers add faster sync, edit access, higher MCP limits, and more connected accounts. Era Financial Advisors LLC is SEC-registered, and the company states it never sells user financial data.

Query company financials through a browser terminal, developer API, or MCP connectors that plug into Claude and ChatGPT. Fiscal.ai grew out of FinChat, the conversational stock-data tool launched in 2023, and now packages fundamentals, ratios, and market data for investors who want one workspace instead of scattered screeners. Visiting finchat.io redirects to fiscal.ai, where the current product lineup is published.

The shift from FinChat to Fiscal.ai reflects a broader scope than a chat box. Terminal is the all-in-one research interface, the Data Feed API serves fintech platforms and institutions, and MCP Connectors expose the same datasets inside AI assistants through OAuth or API keys. That stack competes with patchwork setups of separate screeners, spreadsheets, and custom API glue rather than single-feature chatbots.

Self-directed investors, equity researchers, and developers building investing apps are the core audience. Fiscal.ai reports over 350,000 registered users and raised a $10 million Series A in June 2025. Terminal and MCP plans include a 7-day free trial on signup; API access is positioned for platform integrations.