Stock Unlock
Freemium Last updated: September 2026Stock research and portfolio analytics platform built for long-term individual investors
What is Stock Unlock?
Stock Unlock is a modern stock research platform built for long-term individual investors who want institutional-quality fundamentals and analytics without a Bloomberg-sized budget. Founded in 2020 by Jake Ruth and Daniel Pronk, and backed by Y Combinator (W22) and Goodwater Capital, Stock Unlock combines screening, fundamentals, DCF calculators, portfolio tracking, dividend analytics, insider trading data, and educational content in a single subscription. Coverage spans 170,000+ stocks and ETFs across 70+ global exchanges including NYSE, NASDAQ, TSX, LSE, Tokyo, and Frankfurt, with up to 35 years of historical financials. The AI features include Stock Unlock AI, an assistant that answers questions about companies and filings using the platform's structured financial data, and AI summaries of quarterly reports. Stock Unlock's pricing is intentionally accessible (free tier, or Pro at $9/mo billed monthly and $7.50/mo billed annually) which has made it popular with the FI/RE community, dividend investors, and anyone tired of paying $50+/month for comparable tools. The platform emphasizes transparency, education, and doesn't sell advice, it sells tools for investors who want to run their own analysis. Active development adds features every month based on community feedback.
Stock Unlock demo video
Watch Stock Unlock's official demo to see Stock Unlock in action before reading our full review.
Official video by Stock Unlock via YouTube, embedded for reference. ToolChase does not host or claim this video.
⚡ Quick Verdict
DIY long-term investors who want fundamentals, screening, and education in one subscription
Day traders, options traders, or anyone needing real-time data and Level 2 quotes
Free tier · Pro $9/mo billed monthly ($7.50/mo annual) · Unlimited $24/mo billed monthly ($20/mo annual)
Yes, free forever, 3 screener searches per week
Huge data depth and analytical tools at a retail-friendly price point
Not a trading platform, you still need a broker to execute
Bottom line: Scores 4.3/5, The best value in the retail fundamentals and research category. Cheaper than Simply Wall St and Koyfin with similar depth.
Pricing
Free: Free forever, no credit card. Stock pages, Stock Scores, financials, and the DCF calculator are browsable without an account; a free account adds watchlists, portfolios, 3 screener searches per week, and one brokerage connection free for 15 days.
Pro, $9/month billed monthly or $7.50/month billed annually: Full screener access, DCF tools, dividend analytics, insider trades, international stocks, portfolio analytics, AI assistant, and ad-free experience. Stock Unlock now lists 10 years of historical data on Pro.
Unlimited, $24/month billed monthly or $20/month billed annually: Everything in Pro plus up to 35 years of financial, dividend and stock score history, unlimited analyst data, unlimited linked brokers, and unrestricted access to every feature.
All paid plans carry a 30 day money back guarantee, and annual billing saves 17%. Prices are shown in dollars; Stock Unlock also accepts euros, pounds, rupees and Canadian dollars.
Key Features
- Fundamentals on 170,000+ global stocks and ETFs across 70+ exchanges
- DCF and reverse DCF calculators with scenarios
- Dividend safety scores and growth analytics
- Insider trading and institutional ownership data
- Portfolio tracker with return attribution and benchmarks
- AI assistant for company Q&A and filing summaries
- Stock screener with 85+ filters over 100,000+ stocks, plus a 50,000+ ETF screener
- Educational video library and community forums
Pros & Cons
Pros
- Best price-to-depth ratio in retail fundamentals tools
- AI assistant actually useful for quarterly report triage
- Built by investors who use the tool themselves
- Active development with frequent feature releases
Cons
- Brokerage connections are read only, no trade execution
- International data coverage is thinner than US
- Free tier is limited compared to competitors
FAQ
Is Stock Unlock Pro worth around $16 a month?
For most long-term investors who analyze 5+ stocks a month, yes. The Pro tier unlocks the full screener, DCF tools, dividend safety scores, insider data, and the AI assistant, all things you'd pay much more for with Simply Wall St or Koyfin. If you're just tracking an index fund portfolio, the free tier is probably enough. Annual billing cuts the effective price further.
How accurate is Stock Unlock's data?
Stock Unlock sources most of its financial data from Finnhub, takes segment-level KPI data from Fiscal AI, and standardizes all financials to GAAP for consistency. Accuracy is solid for US large caps and reasonably good for international coverage. For small caps and emerging markets, always cross-check with the underlying 10-K or annual report.
Does Stock Unlock give stock recommendations?
No. Stock Unlock is a research tools company, not an advisory. It doesn't send buy/sell alerts, newsletters, or managed portfolios. That's a plus, you're not paying for someone else's opinions. The founders sometimes share their own portfolio on YouTube but that's separate from the product.
Can Stock Unlock replace Simply Wall St?
For most investors, yes. Stock Unlock has comparable fundamentals, better screening, and is cheaper. Simply Wall St's advantage is its Snowflake visual analysis and beginner-friendly reports. Stock Unlock is better for investors who want to run their own DCFs and look at raw numbers. They're complementary for some users, but Stock Unlock is a strong standalone choice.
What AI features does Stock Unlock have?
The Stock Unlock AI assistant answers questions about companies using the platform's structured data, things like "what's Apple's 10-year FCF growth?" or "summarize Microsoft's latest 10-Q risks." It grounds responses in actual filings and data, which reduces hallucination risk compared to general-purpose chatbots. AI summaries of quarterly reports are also generated automatically for covered stocks.
Is Stock Unlock suitable for dividend investors?
Yes, especially. The Dividends Score, growth rates, payout ratio analysis, income forecasting, and up to 35 years of dividend history make it one of the better dividend research tools at any price point. Combined with the screener, you can build SCHD/VYM-style dividend portfolios from scratch in minutes.
Does Stock Unlock support international stocks?
Yes. Stock Unlock covers 70+ global exchanges, including NYSE, NASDAQ, TSX, LSE, Tokyo, and Frankfurt, across 170,000+ stocks and ETFs. Coverage depth varies, US stocks have the deepest data. For globally diversified portfolios, Stock Unlock covers most large caps you'd realistically own.
📋 Good to know
Browse stock pages at stockunlock.com with no account at all; email is enough for the free tier. Free accounts get one brokerage connection free for 15 days via SnapTrade, read only. Paid plans carry a 30 day money back guarantee.
Stock Unlock doesn't sell your watchlist or trading data. Standard consumer data protections apply.
Upgrade to Pro when you want DCF tools, advanced screening, or dividend analytics. Annual billing saves over monthly.
Low, the UI is clean and the YouTube channel has tutorials for every feature.
