The short answer

For a budget market-data stack under $50/mo in 2026, the three split cleanly: Tiingo wins on EOD plus fundamentals at low cost, Finnhub wins on a genuinely useful free tier with real-time US quotes and free WebSocket, and Polygon.io (now Massive) wins when you need a flat-rate real-time intraday tape. The right pick depends on which of those you need.

For a budget market-data stack under $50/mo, the three split cleanly: Tiingo wins on EOD + fundamentals at low cost, Finnhub wins on a genuinely useful free tier with real-time US quotes and free WebSocket, and Polygon.io (now Massive) wins when you need a flat-rate real-time intraday tape. None is "best" in the abstract; the right pick is decided by whether you need fundamentals, a free tier, or a live tape. The Data Vendor TCO does the annual math.

TL;DR

Vendor Free tier Entry paid Best at
Tiingo Yes (limited) Starter ~$10/mo EOD + fundamentals + news
Finnhub Yes, 60 calls/min + free WebSocket varies Free real-time US quotes
Polygon.io (Massive) Yes (5 calls/min, EOD) Starter $29/mo Flat-rate intraday real-time

Polygon figures verified 2026-05-25 against massive.com/pricing. Tiingo plan prices are from the Data Vendor TCO engine snapshot (last refreshed 2026-04-20); verify current Tiingo pricing on tiingo.com/about/pricing. Finnhub's free-tier 60-calls/min limit is widely documented; its paid plan prices are JS-rendered on finnhub.io/pricing and not statically verifiable, so they are noted as "not publicly documented in a statically-verifiable form (as of May 2026)."

The three budget tiers, side by side

Dimension Tiingo Finnhub Polygon.io (Massive)
Free-tier rate limit per published usage tables 60 calls/min 5 calls/min
Free WebSocket No Yes (symbol-capped) No
Free real-time US quotes No Yes No (EOD on free)
Fundamentals Yes (Power/add-on) Yes (free basics) Limited
Entry paid intraday Power ~$50/mo not statically verifiable Starter $29/mo
EOD history 30+ years varies full archive on paid

The honest framing: Tiingo and Finnhub overlap on the budget fundamentals-and-EOD job; Polygon diverges toward the intraday-real-time job at a flat $29 entry.

Tiingo: the fundamentals-and-EOD budget pick

Tiingo's positioning is long-horizon research, not low-latency trading. Its strength is breadth of EOD price history (30+ years) plus fundamentals and a news API on the higher tiers. The free tier excludes the Fundamentals API and News API; those unlock on paid plans. In the Data Vendor TCO engine catalogue, Tiingo's Starter tier is modeled at $10/mo (EOD equities + news) and Power at $50/mo (intraday bars, crypto, fundamentals). Treat those as the engine snapshot and confirm against the live pricing page before committing.

Pick Tiingo when the workload is daily-bar backtests and fundamentals analysis on a budget, and you do not need a sub-minute live feed.

Finnhub: the strongest free tier

Finnhub's differentiator is the free tier itself: 60 API calls per minute (versus Polygon's 5), free real-time US stock quotes, company news, basic fundamentals, and a free WebSocket feed (symbol-capped). For a learner or a low-frequency agent, that is the most generous $0 offering of the three.

The catch is the commercial-use restriction: Finnhub's free tier is for personal/non-commercial use, and premium fundamentals, international data, and higher limits sit behind paid plans whose exact prices are not statically verifiable on the JS-rendered pricing page. Pick Finnhub for free real-time US quotes and prototyping; budget for a paid plan before any commercial deployment. The standalone breakdown is in Is Finnhub Free? 2026.

Polygon.io (Massive): flat-rate intraday

Polygon rebranded to Massive in 2026 (polygon.io redirects to massive.com). Its budget story is different: the free Basic tier is end-of-day at 5 calls/minute, but the Starter tier at $29/mo gives unlimited API calls (15-minute delayed), and real-time arrives on Advanced at $199/mo. The win is the flat-rate model with unlimited calls on paid intraday plans, where Tiingo and Finnhub meter more aggressively. The full ladder is in Polygon.io Pricing Plans 2026.

Pick Polygon when you want predictable flat-rate intraday data with no per-call accounting and you can live with 15-minute delay until the $199 tier.

The economics, computed live

The Data Vendor TCO engine ranks the budget field on annual all-in cost for a small-universe daily-resolution research profile, the canonical budget use case. The verified output block at the foot of the page is computed from the shipped engine bundle, not typed by hand. Polygon's prices in the engine catalogue predate the Massive rebrand; the Stocks figures verified 2026-05-25 (Starter $29, Developer $79, Advanced $199) match the engine's Polygon tiers, so the comparison holds.

Decision guidance

  • Daily-bar backtests + fundamentals on a budget: Tiingo.
  • Free real-time US quotes for prototyping / learning: Finnhub (mind the personal-use restriction).
  • Flat-rate intraday with unlimited calls: Polygon.io (Massive), Starter $29 or Advanced $199 for real-time.
  • Commercial deployment: none of the free tiers; price the paid plan for your asset class and latency need.

Connects to

References

  • Massive (formerly Polygon.io). "Pricing." massive.com/pricing, verified 2026-05-25 (Starter $29, Developer $79, Advanced $199; free Basic 5 calls/min EOD).
  • Finnhub. "Pricing / API docs." finnhub.io/pricing and finnhub.io/docs/api, accessed 2026-05-25 (free tier 60 calls/min, free real-time US quotes, free WebSocket, personal-use restriction; paid prices not statically verifiable).
  • Tiingo. "Pricing." tiingo.com/about/pricing, accessed 2026-05-25 (plan figures from the Data Vendor TCO engine snapshot 2026-04-20; confirm live).

Verified engine output

Show the recompute-verified inputs and outputs
Small-universe daily-resolution budget research profile — annual TCO ranked across vendors
Inputs
universesmall
resolutiondaily
needs_livefalse
needs_optionsfalse
needs_futuresfalse
Result
scenario › universesmall
scenario › resolutiondaily
scenario › history5-year
scenario › needs livefalse
scenario › needs optionsfalse
scenario › needs futuresfalse
ranked › row 1 › vendor › idalpaca
ranked › row 1 › vendor › nameAlpaca Markets
ranked › row 1 › vendor › urlhttps://alpaca.markets
ranked › row 1 › vendor › short pitchBroker-bundled market data. Generous free tier via IEX feed; SIP feed requires paid plan.
ranked › row 1 › vendor › has overagefalse
ranked › row 1 › vendor › last checked2026-05-25
ranked › row 1 › vendor › tiers › row 1 › nameFree (IEX feed)
ranked › row 1 › vendor › tiers › row 1 › monthly0
ranked › row 1 › vendor › tiers › row 1 › includes livetrue
ranked › row 1 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 1 › vendor › tiers › row 1 › includes futuresfalse
ranked › row 1 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 1 › vendor › tiers › row 1 › resolutions › row 2minute
ranked › row 1 › vendor › tiers › row 1 › notes › row 1IEX feed only (subset of volume)
ranked › row 1 › vendor › tiers › row 1 › notes › row 2Free with Alpaca brokerage account
ranked › row 1 › vendor › tiers › row 2 › nameAlgo Trader Plus (SIP feed)
ranked › row 1 › vendor › tiers › row 2 › monthly99
ranked › row 1 › vendor › tiers › row 2 › includes livetrue
ranked › row 1 › vendor › tiers › row 2 › includes optionstrue
ranked › row 1 › vendor › tiers › row 2 › includes futuresfalse
ranked › row 1 › vendor › tiers › row 2 › resolutions › row 1daily
ranked › row 1 › vendor › tiers › row 2 › resolutions › row 2minute
ranked › row 1 › vendor › tiers › row 2 › resolutions › row 3second
ranked › row 1 › vendor › tiers › row 2 › resolutions › row 4tick
ranked › row 1 › vendor › tiers › row 2 › notes › row 1Full SIP consolidated tape
ranked › row 1 › vendor › tiers › row 2 › notes › row 2Options chains included
ranked › row 1 › tier › nameFree (IEX feed)
ranked › row 1 › tier › monthly0
ranked › row 1 › tier › includes livetrue
ranked › row 1 › tier › includes optionsfalse
ranked › row 1 › tier › includes futuresfalse
ranked › row 1 › tier › resolutions › row 1daily
ranked › row 1 › tier › resolutions › row 2minute
ranked › row 1 › tier › notes › row 1IEX feed only (subset of volume)
ranked › row 1 › tier › notes › row 2Free with Alpaca brokerage account
ranked › row 1 › monthly0
ranked › row 1 › one time0
ranked › row 1 › annual total0
ranked › row 1 › meets resolutiontrue
ranked › row 1 › meets livetrue
ranked › row 1 › meets optionstrue
ranked › row 1 › meets futurestrue
ranked › row 1 › meets alltrue
ranked › row 2 › vendor › idtiingo
ranked › row 2 › vendor › nameTiingo
ranked › row 2 › vendor › urlhttps://www.tiingo.com
ranked › row 2 › vendor › short pitchStrong fundamentals + EOD pricing at low cost. Limited intraday. Favorite for long-horizon research.
ranked › row 2 › vendor › has overagefalse
ranked › row 2 › vendor › last checked2026-04-20
ranked › row 2 › vendor › tiers › row 1 › nameTiingo Starter
ranked › row 2 › vendor › tiers › row 1 › monthly10
ranked › row 2 › vendor › tiers › row 1 › includes livefalse
ranked › row 2 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 2 › vendor › tiers › row 1 › includes futuresfalse
ranked › row 2 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 2 › vendor › tiers › row 1 › notes › row 1EOD equities
ranked › row 2 › vendor › tiers › row 1 › notes › row 2News API included
ranked › row 2 › vendor › tiers › row 1 › notes › row 3Price unconfirmed 2026-05-25 — official pricing page not machine-readable
ranked › row 2 › vendor › tiers › row 2 › nameTiingo Power
ranked › row 2 › vendor › tiers › row 2 › monthly50
ranked › row 2 › vendor › tiers › row 2 › includes livefalse
ranked › row 2 › vendor › tiers › row 2 › includes optionsfalse
ranked › row 2 › vendor › tiers › row 2 › includes futuresfalse
ranked › row 2 › vendor › tiers › row 2 › resolutions › row 1daily
ranked › row 2 › vendor › tiers › row 2 › resolutions › row 2minute
ranked › row 2 › vendor › tiers › row 2 › notes › row 1Intraday bars
ranked › row 2 › vendor › tiers › row 2 › notes › row 2Crypto data
ranked › row 2 › vendor › tiers › row 2 › notes › row 3Fundamentals included
ranked › row 2 › tier › nameTiingo Starter
ranked › row 2 › tier › monthly10
ranked › row 2 › tier › includes livefalse
ranked › row 2 › tier › includes optionsfalse
ranked › row 2 › tier › includes futuresfalse
ranked › row 2 › tier › resolutions › row 1daily
ranked › row 2 › tier › notes › row 1EOD equities
ranked › row 2 › tier › notes › row 2News API included
ranked › row 2 › tier › notes › row 3Price unconfirmed 2026-05-25 — official pricing page not machine-readable
ranked › row 2 › monthly10
ranked › row 2 › one time0
ranked › row 2 › annual total120
ranked › row 2 › meets resolutiontrue
ranked › row 2 › meets livetrue
ranked › row 2 › meets optionstrue
ranked › row 2 › meets futurestrue
ranked › row 2 › meets alltrue
ranked › row 3 › vendor › iddatabento
ranked › row 3 › vendor › nameDatabento
ranked › row 3 › vendor › urlhttps://databento.com
ranked › row 3 › vendor › short pitchPer-unit metered pricing. Strong for institutional-quality tick + L2 data. No subscriptions on base offer.
ranked › row 3 › vendor › has overagetrue
ranked › row 3 › vendor › last checked2026-05-25
ranked › row 3 › vendor › tiers › row 1 › nameDatabento metered (typical retail)
ranked › row 3 › vendor › tiers › row 1 › monthly125
ranked › row 3 › vendor › tiers › row 1 › includes livetrue
ranked › row 3 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 3 › vendor › tiers › row 1 › includes futurestrue
ranked › row 3 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 3 › vendor › tiers › row 1 › resolutions › row 2minute
ranked › row 3 › vendor › tiers › row 1 › resolutions › row 3second
ranked › row 3 › vendor › tiers › row 1 › resolutions › row 4tick
ranked › row 3 › vendor › tiers › row 1 › resolutions › row 5level2
ranked › row 3 › vendor › tiers › row 1 › notes › row 1Usage-metered: historical is pay-as-you-go priced per GB (uncompressed binary), no subscription required; $125 free credits on signup
ranked › row 3 › vendor › tiers › row 1 › notes › row 2Subscription option: Standard $199/mo (historical core schemas + 1yr L1 / 1mo L2-L3); $125/mo modeled typical retail metered spend
ranked › row 3 › vendor › tiers › row 1 › notes › row 3Live data + dedicated support on Plus ($1,399/mo, annual); Unlimited $3,500/mo (verified 2026-05-25)
ranked › row 3 › vendor › tiers › row 1 › notes › row 4Per-GB cost scales aggressively with universe and resolution
ranked › row 3 › tier › nameDatabento metered (typical retail)
ranked › row 3 › tier › monthly125
ranked › row 3 › tier › includes livetrue
ranked › row 3 › tier › includes optionsfalse
ranked › row 3 › tier › includes futurestrue
ranked › row 3 › tier › resolutions › row 1daily
ranked › row 3 › tier › resolutions › row 2minute
ranked › row 3 › tier › resolutions › row 3second
ranked › row 3 › tier › resolutions › row 4tick
ranked › row 3 › tier › resolutions › row 5level2
ranked › row 3 › tier › notes › row 1Usage-metered: historical is pay-as-you-go priced per GB (uncompressed binary), no subscription required; $125 free credits on signup
ranked › row 3 › tier › notes › row 2Subscription option: Standard $199/mo (historical core schemas + 1yr L1 / 1mo L2-L3); $125/mo modeled typical retail metered spend
ranked › row 3 › tier › notes › row 3Live data + dedicated support on Plus ($1,399/mo, annual); Unlimited $3,500/mo (verified 2026-05-25)
ranked › row 3 › tier › notes › row 4Per-GB cost scales aggressively with universe and resolution
ranked › row 3 › monthly13
ranked › row 3 › one time0
ranked › row 3 › annual total150
ranked › row 3 › meets resolutiontrue
ranked › row 3 › meets livetrue
ranked › row 3 › meets optionstrue
ranked › row 3 › meets futurestrue
ranked › row 3 › meets alltrue
ranked › row 4 › vendor › idfmp
ranked › row 4 › vendor › nameFinancial Modeling Prep
ranked › row 4 › vendor › urlhttps://site.financialmodelingprep.com
ranked › row 4 › vendor › short pitchFundamentals-heavy. Earnings, filings, transcripts. Price data is a secondary offer.
ranked › row 4 › vendor › has overagefalse
ranked › row 4 › vendor › last checked2026-04-20
ranked › row 4 › vendor › tiers › row 1 › nameStarter
ranked › row 4 › vendor › tiers › row 1 › monthly14
ranked › row 4 › vendor › tiers › row 1 › includes livefalse
ranked › row 4 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 4 › vendor › tiers › row 1 › includes futuresfalse
ranked › row 4 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 4 › vendor › tiers › row 1 › notes › row 15 years history
ranked › row 4 › vendor › tiers › row 1 › notes › row 2250 API calls/day
ranked › row 4 › vendor › tiers › row 1 › notes › row 3Price unconfirmed 2026-05-25 — FMP list prices not consistently published
ranked › row 4 › vendor › tiers › row 2 › namePremium
ranked › row 4 › vendor › tiers › row 2 › monthly29
ranked › row 4 › vendor › tiers › row 2 › includes livefalse
ranked › row 4 › vendor › tiers › row 2 › includes optionsfalse
ranked › row 4 › vendor › tiers › row 2 › includes futuresfalse
ranked › row 4 › vendor › tiers › row 2 › resolutions › row 1daily
ranked › row 4 › vendor › tiers › row 2 › resolutions › row 2minute
ranked › row 4 › vendor › tiers › row 2 › notes › row 1Full history
ranked › row 4 › vendor › tiers › row 2 › notes › row 2750 calls/day
ranked › row 4 › vendor › tiers › row 3 › nameUltimate
ranked › row 4 › vendor › tiers › row 3 › monthly79
ranked › row 4 › vendor › tiers › row 3 › includes livetrue
ranked › row 4 › vendor › tiers › row 3 › includes optionsfalse
ranked › row 4 › vendor › tiers › row 3 › includes futuresfalse
ranked › row 4 › vendor › tiers › row 3 › resolutions › row 1daily
ranked › row 4 › vendor › tiers › row 3 › resolutions › row 2minute
ranked › row 4 › vendor › tiers › row 3 › resolutions › row 3second
ranked › row 4 › vendor › tiers › row 3 › notes › row 1Real-time
ranked › row 4 › vendor › tiers › row 3 › notes › row 2Unlimited calls
ranked › row 4 › tier › nameStarter
ranked › row 4 › tier › monthly14
ranked › row 4 › tier › includes livefalse
ranked › row 4 › tier › includes optionsfalse
ranked › row 4 › tier › includes futuresfalse
ranked › row 4 › tier › resolutions › row 1daily
ranked › row 4 › tier › notes › row 15 years history
ranked › row 4 › tier › notes › row 2250 API calls/day
ranked › row 4 › tier › notes › row 3Price unconfirmed 2026-05-25 — FMP list prices not consistently published
ranked › row 4 › monthly14
ranked › row 4 › one time0
ranked › row 4 › annual total168
ranked › row 4 › meets resolutiontrue
ranked › row 4 › meets livetrue
ranked › row 4 › meets optionstrue
ranked › row 4 › meets futurestrue
ranked › row 4 › meets alltrue
ranked › row 5 › vendor › idpolygon
ranked › row 5 › vendor › namePolygon.io
ranked › row 5 › vendor › urlhttps://polygon.io
ranked › row 5 › vendor › short pitchFlat-rate subscription. Real-time + historical for US equities. Popular retail default.
ranked › row 5 › vendor › has overagefalse
ranked › row 5 › vendor › last checked2026-05-25
ranked › row 5 › vendor › tiers › row 1 › nameStocks Starter
ranked › row 5 › vendor › tiers › row 1 › monthly29
ranked › row 5 › vendor › tiers › row 1 › includes livefalse
ranked › row 5 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 5 › vendor › tiers › row 1 › includes futuresfalse
ranked › row 5 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 5 › vendor › tiers › row 1 › resolutions › row 2minute
ranked › row 5 › vendor › tiers › row 1 › notes › row 115-min delayed market data
ranked › row 5 › vendor › tiers › row 1 › notes › row 25 calls/min
ranked › row 5 › vendor › tiers › row 2 › nameStocks Developer
ranked › row 5 › vendor › tiers › row 2 › monthly79
ranked › row 5 › vendor › tiers › row 2 › includes livefalse
ranked › row 5 › vendor › tiers › row 2 › includes optionsfalse
ranked › row 5 › vendor › tiers › row 2 › includes futuresfalse
ranked › row 5 › vendor › tiers › row 2 › resolutions › row 1daily
ranked › row 5 › vendor › tiers › row 2 › resolutions › row 2minute
ranked › row 5 › vendor › tiers › row 2 › resolutions › row 3second
ranked › row 5 › vendor › tiers › row 2 › notes › row 115-min delayed
ranked › row 5 › vendor › tiers › row 2 › notes › row 2Unlimited API calls
ranked › row 5 › vendor › tiers › row 3 › nameStocks Advanced
ranked › row 5 › vendor › tiers › row 3 › monthly199
ranked › row 5 › vendor › tiers › row 3 › includes livetrue
ranked › row 5 › vendor › tiers › row 3 › includes optionsfalse
ranked › row 5 › vendor › tiers › row 3 › includes futuresfalse
ranked › row 5 › vendor › tiers › row 3 › resolutions › row 1daily
ranked › row 5 › vendor › tiers › row 3 › resolutions › row 2minute
ranked › row 5 › vendor › tiers › row 3 › resolutions › row 3second
ranked › row 5 › vendor › tiers › row 3 › resolutions › row 4tick
ranked › row 5 › vendor › tiers › row 3 › notes › row 1Full real-time
ranked › row 5 › vendor › tiers › row 3 › notes › row 2Unlimited API calls
ranked › row 5 › tier › nameStocks Starter
ranked › row 5 › tier › monthly29
ranked › row 5 › tier › includes livefalse
ranked › row 5 › tier › includes optionsfalse
ranked › row 5 › tier › includes futuresfalse
ranked › row 5 › tier › resolutions › row 1daily
ranked › row 5 › tier › resolutions › row 2minute
ranked › row 5 › tier › notes › row 115-min delayed market data
ranked › row 5 › tier › notes › row 25 calls/min
ranked › row 5 › monthly29
ranked › row 5 › one time0
ranked › row 5 › annual total348
ranked › row 5 › meets resolutiontrue
ranked › row 5 › meets livetrue
ranked › row 5 › meets optionstrue
ranked › row 5 › meets futurestrue
ranked › row 5 › meets alltrue
ranked › row 6 › vendor › idalpha-vantage
ranked › row 6 › vendor › nameAlpha Vantage
ranked › row 6 › vendor › urlhttps://www.alphavantage.co
ranked › row 6 › vendor › short pitchBudget tier with broad coverage. Rate limits tight. Workable for low-frequency research.
ranked › row 6 › vendor › has overagefalse
ranked › row 6 › vendor › last checked2026-05-25
ranked › row 6 › vendor › tiers › row 1 › namePremium 75
ranked › row 6 › vendor › tiers › row 1 › monthly49.99
ranked › row 6 › vendor › tiers › row 1 › includes livefalse
ranked › row 6 › vendor › tiers › row 1 › includes optionsfalse
ranked › row 6 › vendor › tiers › row 1 › includes futuresfalse
ranked › row 6 › vendor › tiers › row 1 › resolutions › row 1daily
ranked › row 6 › vendor › tiers › row 1 › resolutions › row 2minute
ranked › row 6 › vendor › tiers › row 1 › notes › row 175 calls/min, no daily limit
ranked › row 6 › vendor › tiers › row 1 › notes › row 2Free key capped at 25 calls/day, 5/min
ranked › row 6 › vendor › tiers › row 2 › namePremium 1200
ranked › row 6 › vendor › tiers › row 2 › monthly249.99
ranked › row 6 › vendor › tiers › row 2 › includes livefalse
ranked › row 6 › vendor › tiers › row 2 › includes optionsfalse
ranked › row 6 › vendor › tiers › row 2 › includes futuresfalse
ranked › row 6 › vendor › tiers › row 2 › resolutions › row 1daily
ranked › row 6 › vendor › tiers › row 2 › resolutions › row 2minute
ranked › row 6 › vendor › tiers › row 2 › resolutions › row 3second
ranked › row 6 › vendor › tiers › row 2 › notes › row 11,200 calls/min, no daily limit
ranked › row 6 › vendor › tiers › row 2 › notes › row 2Rate-tiered ladder: $99.99/150, $149.99/300, $199.99/600, $249.99/1200
ranked › row 6 › tier › namePremium 75
ranked › row 6 › tier › monthly49.99
ranked › row 6 › tier › includes livefalse
ranked › row 6 › tier › includes optionsfalse
ranked › row 6 › tier › includes futuresfalse
ranked › row 6 › tier › resolutions › row 1daily
ranked › row 6 › tier › resolutions › row 2minute
ranked › row 6 › tier › notes › row 175 calls/min, no daily limit
ranked › row 6 › tier › notes › row 2Free key capped at 25 calls/day, 5/min
ranked › row 6 › monthly50
ranked › row 6 › one time0
ranked › row 6 › annual total600
ranked › row 6 › meets resolutiontrue
ranked › row 6 › meets livetrue
ranked › row 6 › meets optionstrue
ranked › row 6 › meets futurestrue
ranked › row 6 › meets alltrue

Computed live at build time.

Frequently asked questions

Tiingo vs Polygon: which is cheaper?
For EOD + fundamentals, Tiingo's low entry tier (around $10/mo in the engine snapshot) undercuts Polygon. For flat-rate intraday with unlimited calls, Polygon's $29 Starter is the better structure. They optimize for different jobs.
Which has the best free tier, Tiingo, Polygon, or Finnhub?
Finnhub: 60 calls/minute, free real-time US quotes, and a free WebSocket. Polygon's free tier is 5 calls/minute and end-of-day; Tiingo's free tier excludes fundamentals and news.
Is Finnhub free for commercial use?
No. The Finnhub free tier is personal/non-commercial. Commercial use requires a paid plan.
Did Polygon.io change its name?
Yes. Polygon.io rebranded to Massive in 2026; polygon.io redirects to massive.com. The pricing structure and API carried over.