{ "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-14", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "tool": { "slug": "pocketguard", "name": "PocketGuard", "vendor": "PocketGuard, Inc.", "vendorUrl": "https://pocketguard.com", "kind": "platform", "category": "personal-finance", "summary": "PocketGuard is a budgeting app for iOS, Android and the web that tracks spending, bills, debts and goals from linked bank accounts. PocketGuard, Inc. also sells a personal finance API and a white-label app to businesses.", "url": "https://www.anchorterminal.com/tools/pocketguard", "markdownUrl": "https://www.anchorterminal.com/tools/pocketguard.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pocketguard.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pocketguard.json", "license": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A PocketGuard account in the app or on the web, protected by a PIN, biometrics and bank-side MFA. Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet (https://pocketguard.com/security/). The business API is reached only by a demo request (https://pocketguard.com/pocketguard-api/), and no credential for an outside agent is documented.", "pricing": "paid", "pricingNotes": "PocketGuard Premium is $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day free trial (https://pocketguard.com/pricing/, checked 14 October 2026). The App Store also lists in-app purchases from $2.99 to $74.99 (https://apps.apple.com/us/app/id949414211). The business API and white-label app have no published price.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on pocketguard.com, the API page or the terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.budgets", "finance.transactions", "finance.bills", "finance.subscriptions", "finance.cancellation" ], "tags": [ "hosted", "official", "closed-source", "paid", "ios", "android", "web", "white-label", "not-for-agents", "sales-led" ], "lastRelease": "2026-10-06", "graded": true, "anchor": { "graded": true, "score": 14.6, "grade": "F", "agentReady": false, "rank": 1053, "ranked": true, "rankOf": 1076, "categoryRank": 8, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 20, "reliability": 15, "schema": 0, "security": 0, "transparency": 48 }, "pending": [ "performance", "tasks" ], "breakdown": [ { "key": "reliability", "name": "Reliability", "weight": 16, "effectiveWeight": 20, "score": 15, "points": 3, "reason": "Read with the hosted lines. No status page found, and status.pocketguard.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 7 January 2015 and not labelled beta (10)." }, { "key": "performance", "name": "Performance", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes." }, { "key": "schema", "name": "Schema \u0026 documentation", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. The PocketGuard API has no public reference, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). pocketguard.com/llms.txt returns 404 (0 of 10). Nothing to version (0 of 15)." }, { "key": "ergonomics", "name": "Agent ergonomics", "weight": 13, "effectiveWeight": 16.25, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With no public interface, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). The CSV export is for people." }, { "key": "security", "name": "Security \u0026 auth", "weight": 14, "effectiveWeight": 17.5, "score": 0, "points": 0, "reason": "Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). For the record, bank data is read-only and the app uses a PIN and biometrics. security.txt returns 404, and no disclosure policy, bug bounty or certification was found (0 of 20)." }, { "key": "payments", "name": "Payments \u0026 pricing", "weight": 10, "effectiveWeight": 12.5, "score": 20, "points": 2.5, "reason": "Read with the hosted rule. No x402, MPP or L402 (0). Plan prices are public on the pricing page, $74.99 a year, $12.99 a month or $149.99 once (10). A 7-day free trial, with no statement on whether it needs a card, scored as hedged (10 of 20). A person signs up in the app (0). The business API is sales-led." }, { "key": "tasks", "name": "Task success", "weight": 10, "effectiveWeight": 0, "pending": true, "points": 0, "reason": "Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored." }, { "key": "maintenance", "name": "Maintenance \u0026 community", "weight": 7, "effectiveWeight": 8.75, "score": 56, "points": 4.9, "reason": "Read for a closed service. iOS 5.20.5 on 6 October 2026 (30). Four iOS versions from 21 August to 6 October (20). Feature-level release notes and a help centre with dated articles, such as one updated 3 September 2026, and support@pocketguard.com, untested (6 of 15). No SDK (0). No package or CI to judge (0)." }, { "key": "transparency", "name": "Transparency \u0026 trust", "weight": 7, "effectiveWeight": 8.75, "score": 48, "points": 4.2, "note": "editorial 35, provenance 61", "reason": "Closed service under dated terms naming PocketGuard, Inc. (15). The privacy policy, dated 12 May 2025, gives retention criteria but no periods and leaves service providers unnamed (12 of 30). No deprecation policy or dated notices found (2 of 20). Aggregators are named on the security page and Billshark and Finicity in the terms, with no full subprocessor list or regions (6 of 20)." } ], "assessment": { "date": "2026-10-14", "basis": "public evidence", "confidence": "medium", "notes": { "ergonomics": "Graded on the interface an outside agent can use. With no public interface, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). The CSV export is for people.", "maintenance": "Read for a closed service. iOS 5.20.5 on 6 October 2026 (30). Four iOS versions from 21 August to 6 October (20). Feature-level release notes and a help centre with dated articles, such as one updated 3 September 2026, and support@pocketguard.com, untested (6 of 15). No SDK (0). No package or CI to judge (0).", "payments": "Read with the hosted rule. No x402, MPP or L402 (0). Plan prices are public on the pricing page, $74.99 a year, $12.99 a month or $149.99 once (10). A 7-day free trial, with no statement on whether it needs a card, scored as hedged (10 of 20). A person signs up in the app (0). The business API is sales-led.", "reliability": "Read with the hosted lines. No status page found, and status.pocketguard.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 7 January 2015 and not labelled beta (10).", "schema": "Graded on the interface an outside agent can use. The PocketGuard API has no public reference, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). pocketguard.com/llms.txt returns 404 (0 of 10). Nothing to version (0 of 15).", "security": "Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). For the record, bank data is read-only and the app uses a PIN and biometrics. security.txt returns 404, and no disclosure policy, bug bounty or certification was found (0 of 20).", "transparency": "Closed service under dated terms naming PocketGuard, Inc. (15). The privacy policy, dated 12 May 2025, gives retention criteria but no periods and leaves service providers unnamed (12 of 30). No deprecation policy or dated notices found (2 of 20). Aggregators are named on the security page and Billshark and Finicity in the terms, with no full subprocessor list or regions (6 of 20)." }, "sources": [ { "what": "API page", "url": "https://pocketguard.com/pocketguard-api/", "seen": "2026-10-14" }, { "what": "white-label page", "url": "https://pocketguard.com/white-label/", "seen": "2026-10-14" }, { "what": "pricing", "url": "https://pocketguard.com/pricing/", "seen": "2026-10-14" }, { "what": "security page", "url": "https://pocketguard.com/security/", "seen": "2026-10-14" }, { "what": "terms of use", "url": "https://pocketguard.com/terms/", "seen": "2026-10-14" }, { "what": "privacy policy", "url": "https://pocketguard.com/privacy/", "seen": "2026-10-14" }, { "what": "export help article", "url": "https://pocketguard.com/help/export-transactions/", "seen": "2026-10-14" }, { "what": "App Store listing and version history", "url": "https://apps.apple.com/us/app/id949414211", "seen": "2026-10-14" }, { "what": "robots.txt", "url": "https://pocketguard.com/robots.txt", "seen": "2026-10-14" } ], "openQuestions": [ "Whether the 7-day trial needs a card.", "What the PocketGuard API's authentication, rate limits and contract look like; none is public." ] }, "negative": 0, "verdict": "PocketGuard is a subscription budgeting app with published plan prices, a 7-day trial and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today. Its personal finance API and white-label app are sold to businesses through a demo request, with no public documentation.", "bestFor": "People who want a budget built from linked accounts.", "strengths": [ "Plan prices published without login, $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day trial.", "Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet, per the security page.", "Four iOS releases between 21 August and 6 October 2026.", "Transactions export to CSV from the app, per a help article updated 3 September 2026." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The PocketGuard API is reached only by a demo request, with no public docs, keys or prices.", "The terms forbid robots, crawlers and automated queries against the service.", "No status page or security.txt, and the privacy policy names no retention periods." ], "agentNotes": [ "Don't plan to call PocketGuard from another agent. There is no public API, so hand budgeting tasks to the person, or point a business to the API demo request.", "To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours." ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "F", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 14.6 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 20, "reliability": 15, "schema": 0, "security": 0, "transparency": 35 }, "provenanceScore": 61 }, "connect": {}, "letme": { "capability": "https://letme.dev/finance.budgets", "tool": "https://letme.dev/pocketguard" }, "notable": [ "pocketguard.com/pocketguard-api/ describes a personal finance API for businesses covering transactions, budgets, goals, bank syncing and recurring payments, reached by a demo request (https://pocketguard.com/pocketguard-api/)", "A white-label iOS and Android app is sold to businesses through the same demo request (https://pocketguard.com/white-label/)", "The terms forbid automated or machine-generated queries and robots or crawlers that collect content from the services (https://pocketguard.com/terms/)", "The terms name Billshark and Finicity as third-party providers (https://pocketguard.com/terms/)", "Transactions export to CSV through an emailed link valid for 24 hours (https://pocketguard.com/help/export-transactions/)" ], "area": "domain-data", "details": [ { "label": "Surface listed", "value": "The PocketGuard app, read from pocketguard.com, its pricing, security, API and white-label pages, the terms, privacy policy, a help article and the App Store listing on 14 October 2026. No account was created and no demo was requested." }, { "label": "Outside agent access", "value": "None. The PocketGuard API has no public documentation, keys or prices, and access starts with a demo request." }, { "label": "What it acts on", "value": "Linked account balances and transactions, budgets, goals, debts, recurring bills and subscriptions (https://pocketguard.com/pricing/)." }, { "label": "Bank connections", "value": "Finicity, Plaid, Salt Edge and Apple Wallet, read-only (https://pocketguard.com/security/)." }, { "label": "Company", "value": "PocketGuard, Inc., Menlo Park, California (https://pocketguard.com/privacy/)." } ], "provenance": { "legalEntity": "PocketGuard, Inc.", "domain": "pocketguard.com", "domainRegistered": "2000-05-02", "endpointOnVendorDomain": null, "terms": "https://pocketguard.com/terms/", "privacy": "https://pocketguard.com/privacy/", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms were last updated 26 November 2024 and the privacy policy 12 May 2025.", "pocketguard.com/.well-known/security.txt returns 404. status.pocketguard.com has no DNS record.", "RDAP gives a registration date of 2000-05-02 for pocketguard.com, older than the app." ], "score": 61, "checks": [ { "check": "Legal entity named", "value": "PocketGuard, Inc.", "points": 20, "max": 20, "state": "ok" }, { "check": "Domain age", "value": "pocketguard.com, registered 2000-05-02 (26 years)", "points": 15, "max": 15, "state": "ok" }, { "check": "Endpoint on the vendor's domain", "value": "no hosted endpoint", "points": 0, "max": 0, "state": "na" }, { "check": "Terms of service", "value": "read, states 6 of the 7 things a reader expects, and has 1 clause that costs points", "points": 7.1, "max": 10, "state": "part" }, { "check": "Privacy policy", "value": "read, states 8 of the 8 things a reader expects", "points": 10, "max": 10, "state": "ok" }, { "check": "Status page", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "Changelog", "value": "not found", "points": 0, "max": 10, "state": "no" }, { "check": "security.txt", "value": "not found", "points": 0, "max": 10, "state": "no" } ], "policies": [ { "kind": "terms", "url": "https://pocketguard.com/terms/", "state": "read", "readAt": "2026-10-14", "statedDate": "2024-11-26", "words": 8713, "points": 7.1, "max": 10, "expected": [ { "key": "terms.date", "label": "Gives the date it was last updated", "found": true, "quote": "Last updated: November 26, 2024", "says": "Last updated 2024-11-26" }, { "key": "terms.law", "label": "Names the governing law or courts", "found": true, "quote": "These Terms and your use of the Service, and any disputes directly or indirectly arising from these Terms or your use of the Services, shall be governed by and construed in accordance with the laws of the state of California, U.S.A.", "says": "The law of the State of California" }, { "key": "terms.liability", "label": "States a limit on its liability", "found": true, "quote": "IN ANY EVENT, TO THE EXTENT THAT ANY OF THE POCKETGUARD PARTIES ARE IN ANY RESPECT FOUND TO BE LIABLE DESPITE THE PRECEDING SENTENCE, THEN THE MAXIMUM AGGREGATE LIABILITY OF THE POCKETGUARD PARTIES TO YOU SHALL BE LIMITED TO FIFTY US DOLLARS." }, { "key": "terms.termination", "label": "Says how the agreement or account can be ended", "found": true, "quote": "You may terminate your account at any time, by using PocketGuard’s designated termination form on PocketGuard’s Settings page or by contacting PocketGuard by email at: support@pocketguard.com." }, { "key": "terms.changes", "label": "Says how changes to the terms are announced", "found": true, "quote": "PocketGuard may change these Terms at any time by posting the changes on the Website and will use reasonable efforts to notify you of the changes.", "says": "Says it gives notice of a change" }, { "key": "terms.use", "label": "Lists what users may not do", "found": true, "quote": "IF YOU DO NOT AGREE WITH THESE TERMS, YOU MAY NOT USE THE SITE OR SERVICE." }, { "key": "terms.sla", "label": "Refers to a service level or uptime commitment", "found": false } ], "toKnow": [ { "key": "terms.automated", "label": "Restricts automated access", "found": true, "quote": "send automated or machine-generated search queries or use robots, crawlers or similar applications to collect or compile content from the Services;", "costsPoints": true }, { "key": "terms.cutoff", "label": "Says access can be ended without notice or for any reason", "found": true, "quote": "PocketGuard may remove or block access to the Services, or any part thereof, for any reason that PocketGuard may consider to be justified in its sole discretion including, but not limited to:" } ], "notes": [ { "date": "2026-10-14", "text": "PocketGuard caps its total liability at 50 US dollars.", "quote": "THEN THE MAXIMUM AGGREGATE LIABILITY OF THE POCKETGUARD PARTIES TO YOU SHALL BE LIMITED TO FIFTY US DOLLARS" }, { "date": "2026-10-14", "text": "Users appoint PocketGuard or its vendors as their agent with limited power of attorney to retrieve account data from their financial providers.", "quote": "us or our third-party vendors as your agent with limited power of attorney to access and retrieve your Provider Account Data on your behalf" }, { "date": "2026-10-14", "text": "All prepaid subscriptions become non-refundable if PocketGuard stops providing the service, including through liquidation or bankruptcy.", "quote": "IN THE EVENT THAT WE CEASE PROVIDING THE SERVICE, WHETHER AS A RESULT OF A LIQUIDATION, BANKRUPTCY, OR OTHERWISE, ALL PREPAID SUBSCRIPTIONS WILL BE TREATED AS NON-REFUNDABLE." } ] }, { "kind": "privacy", "url": "https://pocketguard.com/privacy/", "state": "read", "readAt": "2026-10-14", "statedDate": "2025-05-12", "words": 4369, "points": 10, "max": 10, "expected": [ { "key": "privacy.date", "label": "Gives the date it was last updated", "found": true, "quote": "Last updated: May 12, 2025", "says": "Last updated 2025-05-12" }, { "key": "privacy.collected", "label": "Says what personal data is collected", "found": true, "quote": "This Privacy Policy explains how we collect, protect, use, and share information that identifies, relates to, or could be reasonably linked, directly or indirectly, with a particular identified or identifiable natural person or household (“Personal Information”)." }, { "key": "privacy.retention", "label": "Says how long data is kept", "found": true, "quote": "Unless you explicitly request the deletion of your Personal Information, we will keep it for as long as needed to meet our data retention obligations, provide our Services, and effectively operate our business.", "says": "For as long as needed, with no period named" }, { "key": "privacy.processors", "label": "Says who else receives the data", "found": true, "quote": "We may also implement third-party content, or advertising on the Service that may use clear gifs or other forms of web beacons, which allow the third-party content provider to read and write cookies to your browser in connection with your viewing of the third-party content on the Service." }, { "key": "privacy.sale", "label": "Says whether personal data is sold or shared for advertising", "found": true, "quote": "Do Not Sell or Share My Personal Information", "says": "Says it does not sell personal data" }, { "key": "privacy.rights", "label": "Says what rights people have over their data", "found": true, "quote": "…in the European Economic Area, the United Kingdom, or Switzerland (the “European Countries”), you have certain rights and protections under Regulation (EU) 2016/679 (General Data Protection Regulation) and The United Kingdom General Data Protection Regulation (UK-GDPR) regarding the processing of your “personal data”…" }, { "key": "privacy.contact", "label": "Gives a privacy contact", "found": true, "quote": "If you wish to exercise any of these rights, please contact us here at privacy@pocketguard.com.", "says": "privacy@pocketguard.com" }, { "key": "privacy.transfers", "label": "Says where data is transferred or stored", "found": true, "quote": "For transfers of personal information to countries outside the EU, we rely on the European Commission’s adequacy decisions https://ec.europa.eu/info/law/law-topic/data-protection/international-dimension-data-protection/adequacy-decisions_en and their Standard Contractual Clauses, available here.", "says": "Relies on standard contractual clauses" } ], "notes": [ { "date": "2026-10-14", "text": "PocketGuard may use a user's financial information to suggest financial products and services from its marketing partners.", "quote": "We will never share your Financial Information with our marketing partners without your express consent, but we may use your Financial Information to generate offers for financial products and services from our marketing partners that may be of interest to you." }, { "date": "2026-10-14", "text": "PocketGuard may sell aggregated or de-identified data derived from personal information to third parties for any purpose it chooses.", "quote": "We may use such aggregated, de-identified, or anonymized data and disclose, share, or sell to third parties for our lawful business purposes or any other purposes, determined in our discretion, unless otherwise prohibited by applicable law" } ] } ] }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pocketguard.json" } }