LLM Comparison

FinGPT vs Phi 4

Side-by-side specs, pricing & capabilities · Updated May 2026

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2/6 models
Same tier:
 AI4Finance FoundationFinGPTMicrosoftPhi 4
OrganizationAI4Finance FoundationAI4Finance FoundationMicrosoftMicrosoft
OpenTools Score
FamilyFinGPTPhi
StatusCurrentCurrent
Release DateFeb 2023Jan 2025
Context Window4K tokens16K tokens
Input PriceFree$0.07/M tokens
Output PriceFree$0.14/M tokens
Pricing NotesOpen-source model family; runtime, hosting, and inference infrastructure costs depend on deployment.—
Capabilities
textfinance-nlpsentiment-analysiscoderesearch
textcode
Training CutoffVaries by released checkpoint—
Max Output2K tokens16K tokens
API IdentifierAI4Finance-Foundation/FinGPTmicrosoft/phi-4
 View FinGPTView Phi 4

Cost Calculator

Enter your expected monthly token usage to compare costs.

ModelInputOutputTotal / movs Best
FinGPTCheapest$0.00$0.00$0.00—
Phi 4$0.07$0.07$0.14+0%

AI4Finance Foundation

FinGPT

FinGPT is an open-source financial large language model project from AI4Finance Foundation. It focuses on finance-specific NLP, sentiment analysis, robo-advisor workflows, technical analysis, and model release workflows through GitHub and Hugging Face.

Microsoft

Phi 4

Phi 4 is a large language model from Microsoft. Supports up to 16,384 token context window. Available from $0.07/M input tokens.

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