FN2 Review (2026): Pricing, Features & Honest Verdict

TLDR

FN2 is an autonomous AI research agent for investors. It runs scheduled loops over SEC filings, earnings transcripts, and live market data, then hands you briefings with sources attached instead of a black-box answer. We found the free tier genuinely usable and the paid plans well under institutional prices. Best for: active retail investors. Price: free, Pro $29/mo. Rating: 7.7/10.

What is FN2?

FN2 is an AI research agent built for the stock market. Instead of you manually digging through filings and transcripts, FN2 runs scheduled research loops that analyze live market data and turn it into briefings. The pitch that matters: every agent query hits live data, not a stale training set, and every answer comes with its sources attached. That sourcing is the whole point. You can check the work instead of trusting it blindly.

The platform ships with pre-built agents you can switch on. A Morning Briefing runs pre-market analysis of your watchlist and the macro calendar. An Earnings Monitor produces beat-or-miss scorecards and pulls CEO quotes. There is a Thesis Tracker for validating an investment thesis over time, a Macro Watchdog for rate expectations and regime shifts, a Sector Scanner for ranking sectors, and a Custom Agent for your own workflows. FN2 was founded by Andreas and pulls data from earnings transcripts, SEC filings, Polygon.io market data, and FRED economic indicators.

The category context is worth understanding. Institutional research tools like Bloomberg and AlphaSense have offered something like this for years, but at institutional prices that lock out individual investors. The newer wave, FinChat, Koyfin, and now FN2, is dragging that capability down to a price a retail investor can actually pay. FN2’s particular angle within that group is automation: it is less a place you go to ask questions and more a set of agents you configure once and let run, which suits the investor who would rather wake up to a briefing than sit at a terminal all day.

What Are FN2’s Key Features?

Scheduled background agents

The defining feature is that research runs on a loop without you. You set up an agent, give it a schedule, and it delivers briefings on its own. The free tier includes one daily agent; Pro allows one hourly plus six daily agents; Max allows three hourly plus eighteen daily. This is what separates FN2 from a chat-on-demand tool: the work happens while you sleep and is waiting when you wake up. For an investor juggling a day job, that timing is the point, because the market does not wait for you to find a free hour, and a briefing prepared overnight means you walk into the trading day already informed rather than scrambling to catch up.

Cited, live-data answers

Every query hits real-time sources and returns answers with citations. FN2 reads from SEC filings, earnings call transcripts, Polygon.io market feeds, and FRED macro data. Because the answer points back to the source document, you can verify a claim before acting on it. For research where being wrong costs money, that traceability is more valuable than a slick but unverifiable summary.

Pre-built research agents

Rather than starting from a blank prompt, FN2 gives you ready-made agents for the most common jobs: morning briefings, earnings monitoring, thesis tracking, macro watching, and sector scanning. Each one is tuned for its task, so you get a useful output immediately. If none fit, the Custom Agent lets you define your own research workflow and schedule it like the rest.

Earnings and macro monitoring

The Earnings Monitor builds beat-or-miss scorecards and surfaces CEO quotes from calls, while the Macro Watchdog tracks rate expectations and flags regime shifts. Together they cover the two things that move portfolios most: company results and the macro backdrop. Having both monitored automatically and delivered as briefings is the kind of coverage that used to require a paid analyst or an expensive terminal.

Thesis tracking and sector scanning

The Thesis Tracker is the feature long-term investors will appreciate most. You write down why you own a position, and the agent watches for evidence that confirms or breaks that thesis over time, flagging when the story changes. The Sector Scanner works at the other end of the funnel, ranking sectors and surfacing where value is showing up so you can decide where to dig next. Between them, FN2 supports both the discovery phase and the maintenance phase of a portfolio, which is more than a one-shot chatbot does. The data underneath stays the same across every agent: SEC filings, earnings transcripts, FRED macro indicators, and real-time market feeds, all cited.

How Much Does FN2 Cost?

FN2 starts free. The free plan gives you roughly 200 chats a month, one daily background agent, and the full core data set: SEC filings, transcripts, FRED macro data, and real-time market feeds with cited answers. That is enough to actually evaluate the tool rather than just glimpse it.

Paid plans are where the value shows. Pro is $29 a month, with an intro rate of $7.99 a month for the first three months, and bumps you to about 4,000 chats, one hourly plus six daily agents, advanced charts, and exports. Max is $89 a month for about 20,000 chats and three hourly plus eighteen daily agents with priority support. Enterprise adds dedicated infrastructure and custom integrations on custom pricing for teams and institutions that need volume.

Set that against the competition and the gap is stark. AlphaSense, the institutional research search engine, starts in the thousands of dollars per seat per year. FinChat is closer to FN2 with self-serve pricing for retail investors, and Koyfin offers a free tier with paid plans for deeper data. FN2’s $29 Pro tier puts scheduled, cited research in reach of an individual investor for the price of a couple of coffees a week, which is the headline of the whole product.

Who is FN2 Best For?

Use FN2 if you are an active retail investor or a small investment team that does real research and wants to automate the grunt work. If you currently spend hours each week reading filings, listening to earnings calls, and tracking macro, FN2 collapses that into scheduled briefings you can verify against sources. The free tier means you can confirm it fits your process before paying anything.

Skip FN2 if you want advice rather than research. It will not tell you what to buy, size positions, or manage a portfolio; it surfaces and monitors information, and the decisions stay yours. Also think twice if you are a heavy user on a tight budget, because capacity is metered in chats and agent slots and you can hit limits on the lower tiers. And if you need institutional-grade coverage with compliance guarantees, an enterprise platform like AlphaSense is still the safer fit.

Best FN2 Alternatives

FinChat

FinChat is an AI research assistant aimed at retail investors and smaller teams, with conversational answers plus company dashboards covering KPIs, transcripts, and estimates. Its self-serve pricing is in the same accessible range as FN2. The difference is emphasis: FinChat leans into interactive dashboards and on-demand chat, while FN2 leans into scheduled, autonomous agents that run research on a loop.

AlphaSense

AlphaSense is the institutional search engine for investment professionals, with deep document coverage and powerful filtering. It is also priced for institutions: individual seats start in the thousands of dollars per year. If you need that breadth and have the budget, it is more comprehensive than FN2. For an individual investor, it is overkill and out of reach, which is exactly the gap FN2 targets.

Koyfin

Koyfin is a data and charting platform with strong coverage of financials, estimates, and macro, and it offers a free tier with paid plans for more depth. It is excellent for visual analysis and screening. Where FN2 wins is automation and synthesis: Koyfin gives you the data to interpret yourself, while FN2 runs the research and hands you a cited briefing.

Final Verdict: Is FN2 Worth It?

FN2 does something genuinely useful: it automates the slow parts of stock research and refuses to make claims it cannot source. The scheduled agents mean research happens without you, the live-data citations let you trust the output, and the price puts capabilities that used to cost thousands within reach of a single investor. The free tier is real enough to test, and Pro at $29 is easy to justify if you research seriously.

The caveats are honest ones. It is research and monitoring, not advice, so you still do the deciding. Capacity limits will pinch heavy users on lower tiers, and it is a newer product without a long public track record. None of that undercuts the core value. For active retail investors who want cited, automated research without a Bloomberg budget, FN2 earns its 7.7 and is worth starting on the free plan today.