Free, no account needed
AI investing tools that show their working
These are the free tools we run on OutsmartMoney.ai today. Crypto Bargains and the Momentum Scanner are the newest, alongside a trend score for stocks, ETFs and crypto, inflation and money printing calculators, and short market summaries written by AI from live data.
- Stocks, ETFs and coins scored 47
- How often prices refresh 5 min
- How often the AI summary can update 30 min
- Coins in Crypto Bargains 54
- Checks each share faces in the scanner 5
- Inflation calculators 2
The short version
- Every tool on this page is free, and none of them needs an account.
- The trend score is a fixed set of rules rather than machine learning, and its weights are printed below.
- AI writes the market summaries and daily wraps only. A draft is dropped if more than one of its figures doesn't match our data.
- Crypto Bargains scores 54 coins, and the Momentum Scanner runs five checks on each share and seven on each crypto pair.
The tools you can use today
- Crypto Crypto Bargains 54 coins given a Bargain Score from five parts, among them the distance below the all-time high, market fear and funding rates, then placed in a zone with the reasons beside it. My Plan splits a budget across the coins you pick, by a rule you choose. Open Crypto Bargains
- Scanner Momentum Scanner Today's fastest-moving US shares and crypto pairs, run through five quality checks for shares and seven for crypto, with plan levels worked out from a risk amount you set and a journal for practice trades. Open the scanner
- Markets Trend scores for stocks, ETFs and crypto A 0 to 100 score for each of the 47 assets we follow, from Apple to Bitcoin, recalculated every five minutes with its weights listed below. Open the dashboard
- Inflation Inflation and money printing calculators See what a century of M2 growth has done to cash, and what your savings will be worth after inflation at today's rates. Try the calculators
- Briefs AI market summary and daily wraps A summary written by AI from our live numbers, at most every 30 minutes, plus a longer wrap after each US close. Read the wraps
What the AI part does, and what it doesn't
"AI" gets attached to a lot of investing products without much detail on what it actually does, so here is exactly what ours does. The trend score on the markets dashboard isn't machine learning at all.
It's a fixed set of rules applied to price history. You can read how a score was reached and check it against a chart yourself, and the score can't quietly learn its way into something we can't explain. That matters more than it sounds. A score nobody can explain is hard to trust with your own money, however clever the model behind it.
Where we do use AI is in the writing. A language model takes the live numbers from the site (prices, moves, inflation readings and the trend scores) and turns them into a short summary of what's going on. Once a day, after the US close, it writes a longer wrap of the session.
It only ever sees our data. Before anything is published, the code checks every figure in the text against that data, and if more than one number can't be matched the draft is thrown away and the last good version stays up. It's a blunt safeguard that won't catch a badly worded sentence. What it does mean is that the AI describes the market in plain English. It doesn't make predictions or pick stocks for anyone.
- Live data
- AI draft
- Figure check
- Published or dropped
How the trend score is built
| Part | Weight | What it measures |
|---|---|---|
| Trend | 35% | Price against its 50-day and 200-day averages, and the 50-day against the 200-day |
| Momentum | 35% | The last month's return, scaled by how volatile the asset normally is |
| RSI | 15% | 14-day relative strength, highest near 60, lower when overbought or oversold |
| Drawdown | 15% | Distance below the 52-week high, where a 50% fall scores zero |
A score of 65 or more gets the Uptrend label and 35 or less gets Downtrend, with everything in between called Sideways, and the labels only describe the trend so far.
Research tools worth knowing
We don't run any of these. They're here because when you want to go further into one company than our asset pages go, with earnings calls, filings or a proper valuation model, they're the kind of places worth a look.
- FinChat Company research with an AI assistant on top of the financial data. Visit FinChat (opens in a new tab)
- Quartr Listen back to earnings calls and read the transcripts and investor slides. Visit Quartr (opens in a new tab)
- TIKR Terminal Valuation data and research for stocks in markets around the world. Visit TIKR Terminal (opens in a new tab)
- Koyfin Charts, dashboards and company fundamentals in one place. Visit Koyfin (opens in a new tab)
Coming next
Accounts, so watchlists and alerts can follow you between devices, are next on the list. Want an email when they launch?
AI investing tools: common questions
Are these AI stock picking tools?
Honestly, no, and if anything we'd be a bit suspicious of a site that said its tools could pick stocks. Ours don't tell you to buy or sell anything.
The score is kept to rules you can read, so all it really does is sum up how a price has behaved over the last few months, and the method on the markets page says plainly that the highest readings tend to come right after a big run, which is just when prices can turn.
The written summaries are the same sort of thing. They put the day's moves into plain English, and the code throws a draft out if its numbers don't match our data. So what you do with any of it is your call, and if a lot of money is involved it's worth getting a proper adviser to look at it with you.
How accurate is the trend score?
It does what the method says it does, which sounds like a dodge but is about as much as any rules-based score can promise. The prices come from Nasdaq, Yahoo Finance and the crypto data providers we use, and US stock prices can lag by up to 15 minutes, so a score can be a little behind on a fast day.
As for predicting anything, we don't claim that and wouldn't. It's the trend so far, made of four parts with fixed weights, and since the weights are printed on the markets page you can make up your own mind about whether a 70 is meaningfully different from a 55. The asset pages show the score next to a year of price history too, which is probably the quickest way to get a feel for how it behaves around a turn.
Do I need an account to use the tools?
No, none of it needs an account and none of it costs anything. Crypto Bargains already has a coin watchlist, a saved plan and zone alerts, and the scanner keeps a practice journal, but all of that is saved in your own browser rather than with us, which is why there's nothing to sign in to.
The catch is that it stays on that one browser, and clearing your site data wipes it unless you've used the export button first. Watchlists and alerts that follow you from device to device would need an account, and those aren't built yet, so the waitlist is how you'd hear when they are.