BizAnalyzer AI Models and Providers
Pick the AI that fits the question. Three providers. Your numbers, your choice.
BizAnalyzer gives you direct control over which AI analyzes your financial data. Each model brings different strengths. Switch anytime. No vendor lock-in.
When you open AI Insights, BizAnalyzer assembles a context package from your financial data: your P&L totals, balance sheet, cash flow, ratios, and trends. (Standard pulls this from your connected accounting software via Intuit's official API; Lite uses the figures you entered yourself.) This context, along with your question, is sent to the AI model you have selected. The model analyzes your specific numbers and responds in plain language. This is Retrieval-Augmented Generation (RAG). The AI is not working from generic financial knowledge. It is working from your actual data.
Select Your Model
Pick from a curated set of models across OpenAI, Anthropic, and Google directly in the chat interface. New models are added as they ship. Switch between models mid-conversation if you want a second opinion.
Same Data, Different Lens
Every model sees the same financial statements, ratios, and trends. Different models may emphasize different aspects of your data or present insights in different ways.
No Vendor Lock‑In
If one provider has an outage or changes their pricing, your analysis continues with another. Your data and conversation history are not tied to any single AI vendor.
Transparent by Design
You always see which model is responding. No black box. No hidden switches. You know exactly what AI is analyzing your financial data.
All Available Models
Every model is in its own row. The “Plan required” column shows the lowest plan that unlocks that model; “Try Demo” means the model is also available on the unauthenticated demo at /bizanalyzer/demo and /bizanalyzer/demo-lite (with the per-visitor and global limits described below). The starting model depends on your plan: Lite opens on Claude Haiku 4.5, and Standard opens on Claude Opus 4.7. You can switch to any model your plan allows at any time.
| Model | Provider | Plan required | Context | Best for |
|---|---|---|---|---|
| GPT-5.5 | OpenAI | Standard ($29.99/mo) | 128K | OpenAI's newest reasoning model for complex, professional analysis |
| GPT-5 | OpenAI | Standard ($29.99/mo) | 128K | Complex reasoning, nuanced financial analysis, multi-step questions |
| GPT-5 Mini | OpenAI | Try Demo · Lite ($19.99/mo) | 128K | Everyday financial questions, solid reasoning at lower cost |
| GPT-5 Nano | OpenAI | Free (signed in) | 32K | Quick lookups, simple calculations, budget-friendly |
| Claude Opus 4.8 | Anthropic (Claude) | Standard ($29.99/mo) | 500K | The newest Opus, the most capable reasoning available |
| Claude Opus 4.7 (Default) | Anthropic (Claude) | Lite ($19.99/mo) | 200K | Latest Opus, top-tier reasoning and deep financial analysis |
| Claude Sonnet 4.6 | Anthropic (Claude) | Lite ($19.99/mo) | 200K | Best balance of intelligence and speed, strong at explaining financial concepts |
| Claude Haiku 4.5 | Anthropic (Claude) | Try Demo · Free (signed in) | 200K | Fast responses, good for quick financial questions |
| Gemini 2.5 Flash | Google (Gemini) | Lite ($19.99/mo) | 1M | Fast analysis with built-in reasoning, good all-around choice |
| Gemini 2.5 Flash-Lite | Google (Gemini) | Free (signed in) | 1M | Fastest responses, lowest cost, quick lookups |
| Gemini 2.5 Pro | Google (Gemini) | Standard ($29.99/mo) | 1M | Deep analysis, complex multi-year comparisons |
About the providers
OpenAI brings the GPT-5 reasoning family: GPT-5.5 and GPT-5 for the deepest multi-step analysis, GPT-5 Mini for solid everyday reasoning at lower cost, and GPT-5 Nano for the cheapest reasoning-capable option.
Anthropic (Claude) is known for careful, nuanced financial interpretation. Claude Opus 4.8 is the newest, most capable option. Claude Opus 4.7 is the Standard starting model. Claude Sonnet 4.6 is also available on Standard and Lite, and is a strong balance of speed and depth. Claude Haiku 4.5 is the lightest option, the Lite starting model, and one of the two models available on the public demo.
Google (Gemini) offers massive context windows: up to 1 million tokens, which is particularly useful for long-range multi-year trend analysis. Gemini 2.5 Pro is the most capable Gemini; Flash and Flash-Lite are fast, budget-friendly options.
Access and AI Request Limits
Where you can use the AI, what models you get, and the request limits that bound each surface. The public demo serves a small two-model allowlist and is rate-limited per visitor plus capped globally; signed-in subscribers run on the full AI Insights endpoint with anti-abuse rate limits, not per-question metering.
| Where | Models | AI request limits |
|---|---|---|
| Try Demo (no login) /bizanalyzer/demo and /bizanalyzer/demo-lite |
2 models (Claude Haiku 4.5, GPT-5 Mini) | 6 requests/min per visitor, 60/day per visitor, 2M tokens/day across all demo traffic |
| BizAnalyzer Lite ($19.99/mo) /apps/bizanalyzer/lite |
7 models (includes the default Claude Opus 4.7 plus every budget model) | 120 requests/min, 1000/hour, 5000/day |
| BizAnalyzer Standard ($29.99/mo) /apps/bizanalyzer |
11 models (everything in Lite, plus GPT-5.5, GPT-5, Claude Opus 4.8, Gemini 2.5 Pro) | 120 requests/min, 1000/hour, 5000/day |
Public-demo traffic is also subject to a global 2-million-token-per-day ceiling shared across all visitors; the per-visitor caps above bound any single IP. Signed-in subscribers run on the full AI Insights endpoint and are anti-abuse rate-limited (the numbers above), not metered per question.
Which Models Come With Each Plan
The same model gating as the comprehensive grid, expressed plan-by-plan: what you get on every plan, and what each paid tier adds on top. Every plan includes everything in the plans below it.
On every plan3 models
Fast, everyday models included with every signed-in account.
| Model | Provider | Best for |
|---|---|---|
| GPT-5 Nano | OpenAI | Quick lookups, simple calculations, budget-friendly |
| Claude Haiku 4.5 Try free in demo | Anthropic (Claude) | Fast responses, good for quick financial questions |
| Gemini 2.5 Flash-Lite | Google (Gemini) | Fastest responses, lowest cost, quick lookups |
Lite ($19.99/mo) adds4 models
Premium reasoning for deeper financial analysis.
| Model | Provider | Best for |
|---|---|---|
| GPT-5 Mini Try free in demo | OpenAI | Everyday financial questions, solid reasoning at lower cost |
| Claude Opus 4.7 (Default) | Anthropic (Claude) | Latest Opus, top-tier reasoning and deep financial analysis |
| Claude Sonnet 4.6 | Anthropic (Claude) | Best balance of intelligence and speed, strong at explaining financial concepts |
| Gemini 2.5 Flash | Google (Gemini) | Fast analysis with built-in reasoning, good all-around choice |
Standard ($29.99/mo) adds4 models
The newest flagship models from each provider, on top of everything in Lite.
| Model | Provider | Best for |
|---|---|---|
| GPT-5.5 | OpenAI | OpenAI's newest reasoning model for complex, professional analysis |
| GPT-5 | OpenAI | Complex reasoning, nuanced financial analysis, multi-step questions |
| Claude Opus 4.8 | Anthropic (Claude) | The newest Opus, the most capable reasoning available |
| Gemini 2.5 Pro | Google (Gemini) | Deep analysis, complex multi-year comparisons |
Each plan includes everything in the plans below it. You can switch between your available models at any time during a conversation. The unauthenticated public demo (/bizanalyzer/demo and /bizanalyzer/demo-lite) runs a fixed two-model allowlist: Claude Haiku 4.5, GPT-5 Mini.
How to Choose
If you are not sure which model to use, start with your plan’s default (Claude Haiku 4.5 on Lite, Claude Opus 4.7 on Standard).
When to try a different model:
- Complex multi-step analysis: GPT-5 or Claude Opus 4.7 for the deepest reasoning
- Quick factual lookups: GPT-5 Nano or Gemini 2.5 Flash-Lite for speed
- Detailed explanations: Claude Sonnet 4.6 for step-by-step financial concept breakdowns
- Large data context: Gemini 2.5 Pro for its 1M-token context window across years of history
- Second opinion: Switch models to see how a different AI interprets the same data
You can change models at any point during a conversation. Your chat history is preserved when you switch.
Privacy and Data Handling
Financial data requires the highest level of protection. Here is how BizAnalyzer handles AI and your data:
- Not used for training: Your financial data is never used to train AI models. It is processed for your query and discarded.
- Not retained: AI providers do not store your financial data after generating a response.
- Not shared: Your data is never shared with other users, third parties, or advertisers.
- Minimal data sent: Only the financial data relevant to your question is included in the AI request. We do not send your entire accounting history for every query.
- Encrypted in transit: All communication with AI providers uses TLS 1.3 encryption.
For complete details on our security practices, see our Security and Data Protection page.
See it working on your data.
Standard connects to your accounting software via Intuit's official API. Lite runs on the figures you enter yourself. Either way, built on Google Cloud Platform infrastructure, payments by Stripe.
This content is for educational purposes only and does not constitute financial, tax, accounting, or legal advice. Consult with a qualified professional for advice specific to your situation. AI-generated insights may contain errors; verify information before taking action.
Intuit and QuickBooks® are registered trademarks of Intuit Inc. Used with permission. Second Difference Solutions®, LLC is an independent software provider and is not affiliated with, endorsed by, or sponsored by Intuit Inc. Our applications integrate with QuickBooks® products via Intuit’s official APIs.
OpenAI, GPT, Claude, Anthropic, Google, and Gemini are trademarks of their respective owners.