AI models ranked for financial applications. Scored with bonuses for reasoning (complex analysis), JSON mode (structured data), function calling (API integration), large context (financial reports), and web search (market data).
| # | Model | Score |
|---|---|---|
| 1 | GPT-5.4 ProOpenAI | 94 |
| 2 | GPT-5.4OpenAI | 94 |
| 3 | GPT-5.4 MiniOpenAI | 93 |
| 4 | GPT-5.2 ProOpenAI | 93 |
| 5 | GPT-5.2OpenAI | 93 |
| 6 | Claude Opus 4.6Anthropic | 92 |
| 7 | GPT-5 ProOpenAI | 92 |
| 8 | o3 Deep ResearchOpenAI | 92 |
| 9 | Claude Opus 4.5Anthropic | 90 |
| 10 | GPT-5OpenAI | 90 |
| 11 | Claude Sonnet 4.6Anthropic | 89 |
| 12 | Claude Sonnet 4.5Anthropic | 89 |
| 13 | o3 ProOpenAI | 88 |
| 14 | Grok 4.1 FastxAI | 87 |
| 15 | Gemini 3 Flash PreviewGoogle | 89 |
| 16 | Grok 4.20 BetaxAI | 86 |
| 17 | Grok 4xAI | 86 |
| 18 | o3OpenAI | 86 |
| 19 | GPT-5.1OpenAI | 85 |
| 20 | GPT-5.4 NanoOpenAI | 85 |
| 21 | GPT-5.3-CodexOpenAI | 85 |
| 22 | GPT-5.2-CodexOpenAI | 85 |
| 23 | GPT-5.1-Codex-MaxOpenAI | 85 |
| 24 | o4 Mini Deep ResearchOpenAI | 85 |
| 25 | o4 Mini HighOpenAI | 85 |
| 26 | Grok Code Fast 1xAI | 85 |
| 27 | o4 MiniOpenAI | 84 |
| 28 | Grok 4 FastxAI | 83 |
| 29 | Claude Haiku 4.5Anthropic | 83 |
| 30 | Gemini 3.1 Pro PreviewGoogle | 86 |
Reasoning models excel at complex financial analysis - breaking down earnings reports, calculating ratios, and identifying trends across multiple data points with chain-of-thought transparency.
Models with web search can access real-time market data, news, and SEC filings. Combined with JSON mode, they can extract structured insights from unstructured financial content.
Large context windows (128K+) enable processing full regulatory documents, compliance reports, and contract portfolios. Self-hosted models ensure sensitive financial data never leaves your infrastructure.
Function calling enables AI to pull data from financial APIs, databases, and spreadsheets, then generate formatted reports with structured JSON output for downstream processing.
Based on our composite scoring updated hourly, the top-ranked models are shown at the top of this page. Rankings consider benchmarks, pricing, capabilities, and community adoption.
Yes, several models listed on this page offer free tiers or are fully open-source. Look for models marked as Free in the pricing column above.
We use a composite scoring system combining benchmark performance, capability matching, pricing, context window size, and community adoption. Scores are updated hourly.
Rankings refresh every hour using real-time data from benchmarks, API testing, and community metrics. The data shown always reflects the most current performance.