{ "data": { "category": { "area": "domain-data", "capabilities": [ "finance.subscriptions", "finance.bills", "finance.budgets", "finance.transactions", "finance.cancellation" ], "description": "Apps and APIs that track a person's subscriptions, bills and budgets from their bank transactions, and some that cancel or negotiate on their behalf. Compared on whether an agent can read and change data through an API, how bank accounts are connected, what cancellation and negotiation services do and what they charge.", "json": "https://www.anchorterminal.com/categories/personal-finance.json", "name": "Subscriptions, bills \u0026 personal finance", "slug": "personal-finance", "test": "In this run, public evidence against the published checklist. When the task suites run, one test budget with a set of transactions read through each listing's API, a recurring charge identified and, where offered, a cancellation requested. We check the data returned, write access, how accounts connect and fees.", "title": "Subscription, bill and budgeting tools for AI agents", "toolCount": 10, "tools": [ "ynab", "plum", "snoop", "quicken-simplifi", "emma", "rocket-money", "copilot-money", "pocketguard", "hiatus", "scribeup" ], "url": "https://www.anchorterminal.com/categories/personal-finance" }, "tools": [ { "slug": "ynab", "name": "YNAB", "vendor": "YNAB", "vendorUrl": "https://www.ynab.com", "kind": "http-api", "category": "personal-finance", "summary": "YNAB is a subscription budgeting app for people. Its REST API reads and edits a user's plans, accounts, categories, payees and transactions, with personal access tokens or OAuth for apps other users authorise.", "url": "https://www.anchorterminal.com/tools/ynab", "markdownUrl": "https://www.anchorterminal.com/tools/ynab.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ynab.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ynab.json", "repo": "https://github.com/ynab/ynab-sdk-js", "license": "Proprietary service; SDKs Apache-2.0", "transports": [ "http" ], "remoteUrl": "https://api.ynab.com/v1", "packages": [ { "registry": "npm", "name": "ynab" }, { "registry": "pypi", "name": "ynab" }, { "registry": "rubygems", "name": "ynab" } ], "auth": "mixed", "authNotes": "Bearer token in the Authorization header. A personal access token is made in the web app under Account Settings, Developer Settings, after entering the password; it never expires and is revoked from the same page. OAuth apps use the implicit grant or the authorisation code grant with PKCE and state; access tokens last 2 hours and the code grant returns a refresh token. scope=read-only gives a token that gets 403 on writes. New OAuth apps are in Restricted Mode, limited to 25 users other than the owner, until a review that takes 2 to 4 weeks (https://api.ynab.com/).", "pricing": "paid", "pricingNotes": "The API comes with a YNAB subscription at no extra charge. $14.99 a month or $109 a year in US dollars, with a 34-day free trial that needs no card when signing up on ynab.com (app stores may ask for one) and a 365-day trial for college students (https://www.ynab.com/pricing). A lapsed subscription or expired trial returns 403.1 or 403.2 on every call (https://api.ynab.com/#errors).", "priceSummary": "$14.99 / mo", "where": "hosted", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the API documentation, the OpenAPI file or the pricing page (checked 2026-10-14).", "endpoints": [] }, "toolCount": 0, "popularity": { "githubStars": 240, "npmWeekly": 9596, "pypiWeekly": 2299, "asOf": "2026-10-14" }, "docsUrl": "https://api.ynab.com/", "openapi": "https://api.ynab.com/papi/open_api_spec.yaml", "capabilities": [ "finance.budgets", "finance.transactions" ], "tags": [ "hosted", "oauth", "openapi", "typescript", "python", "ruby", "status-page", "bug-bounty", "security-txt", "free-trial", "no-card", "read-only-mode", "closed-source" ], "lastRelease": "2026-09-17", "graded": true, "anchor": { "graded": true, "score": 65.1, "grade": "B", "agentReady": false, "rank": 351, "ranked": true, "rankOf": 1076, "categoryRank": 1, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 71, "maintenance": 62, "payments": 30, "reliability": 82, "schema": 77, "security": 51, "transparency": 75 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "high", "date": "2026-10-14" }, "negative": 0, "verdict": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.", "bestFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.", "strengths": [ "Public OpenAPI 3.1.1 file at api.ynab.com/papi/open_api_spec.yaml, version 1.87.0, with 44 operations", "OAuth authorisation code grant with PKCE, refresh tokens and a read-only scope that returns 403 on writes", "Delta requests with last_knowledge_of_server on nine resources return only what changed", "Dated API changelog with 21 versions since February 2024, the latest on 17 September 2026", "Official SDKs for JavaScript, Python and Ruby under Apache-2.0, with CI passing on the JavaScript SDK" ], "weaknesses": [ "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After", "Personal access tokens don't expire and can't be limited to reading", "No list pagination, so a full transaction list depends on date filters and delta requests", "Getting access needs a person to sign up and create a token or OAuth app in the web app", "No llms.txt or Markdown version of the API docs; the site's llms.txt is a product description" ], "agentNotes": [ "Use last-used in place of plan_id until you have listed plans with GET /v1/plans", "Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour", "Read and write amounts in milliunits, or read the _currency fields added in v1.82.0", "Set import_id on transactions you create so a retried POST is matched instead of duplicated", "Request scope=read-only on OAuth when the task only reads the budget" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "high", "grade": "B", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 65.1 } ], "editorialScores": { "ergonomics": 71, "maintenance": 62, "payments": 30, "reliability": 82, "schema": 77, "security": 51, "transparency": 57 }, "provenanceScore": 92 }, "connect": { "install": "npm install ynab", "http": "curl -H \"Authorization: Bearer \u003cACCESS_TOKEN\u003e\" https://api.ynab.com/v1/plans" }, "letme": { "capability": "https://letme.dev/finance.budgets", "tool": "https://letme.dev/ynab" }, "area": "domain-data", "unitPrices": [ { "item": "YNAB subscription, monthly", "unit": "month", "usd": 14.99, "note": "API included" }, { "item": "YNAB subscription, annual", "unit": "month", "usd": 9.08, "note": "billed $109 a year, API included" } ], "provenance": { "legalEntity": "You Need A Budget LLC", "domain": "ynab.com", "domainRegistered": "2001-11-24", "endpointOnVendorDomain": true, "terms": "https://www.ynab.com/terms/", "privacy": "https://www.ynab.com/privacy-policy/", "statusPage": "https://ynabstatus.com", "changelog": "https://api.ynab.com/#changelog", "securityTxt": "valid", "checked": "2026-10-14", "notes": [ "The terms (last modified 9 April 2026) and the privacy policy (effective 20 April 2026) name You Need A Budget LLC d/b/a YNAB, governed by Utah law, with You Need A Budget UK Ltd of Cheltenham for UK and EEA open banking.", "API Terms of Service sit on api.ynab.com under Legal and work with the general terms and privacy policy.", "security.txt at api.ynab.com/.well-known/security.txt names Bugcrowd and security@ynab.com but has no Expires line, which RFC 9116 requires. www.ynab.com/.well-known/security.txt returned 404.", "RDAP at Verisign gives a registration date of 2001-11-24 for ynab.com.", "The status page at ynabstatus.com is a Statuspage site with a Public API component." ], "score": 92 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/ynab.json", "live": { "slug": "ynab", "probe": { "target": "https://api.ynab.com/v1", "method": "get", "lastAt": "2026-10-14T09:42:14.536615748Z", "lastOk": true, "lastStatus": 200, "lastMs": 317, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 320, "p95ms24h": 379, "samples24h": 17, "samples30d": 17, "days": [ { "date": "2026-10-14", "probes": 17, "ok": 17 } ] }, "vendorStatus": { "page": "https://ynabstatus.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:48.725692047Z" }, "updatedAt": "2026-10-14T09:42:14.536615748Z" } }, { "slug": "plum", "name": "Plum", "vendor": "Plum Fintech Limited", "vendorUrl": "https://withplum.com", "kind": "platform", "category": "personal-finance", "summary": "Plum is a saving and investing app for the UK and parts of Europe. It analyses spending from connected bank accounts, moves money aside automatically, and holds savings accounts, ISAs, a pension, investments and an AI financial plan.", "url": "https://www.anchorterminal.com/tools/plum", "markdownUrl": "https://www.anchorterminal.com/tools/plum.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plum.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plum.json", "license": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Plum account in the iOS or Android app, with identity checks. Bank accounts connect read-only through TrueLayer (https://withplum.com/legal/privacy, https://withplum.com/legal/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £3.99, Boost £7.99 and Max £14.99 a month, with the first month of a paid tier free; investment fees and interest rates vary by tier (https://withplum.com/subscriptions). Other fees are on the fees page (https://withplum.com/legal/fees).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on withplum.com, its llms.txt, subscriptions page or terms (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://withplum.com/llms.txt", "capabilities": [ "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "eu", "status-page", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 27.4, "grade": "F", "agentReady": false, "rank": 1026, "ranked": true, "rankOf": 1076, "categoryRank": 2, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.", "bestFor": "UK and European users who want saving and investing automated from their spending.", "strengths": [ "Free Basic tier, with paid tiers priced publicly and free for the first month.", "16 iOS releases between 16 July and 12 October 2026.", "Status page with one no-impact incident in the last 90 days." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "No security.txt, disclosure policy or certification found.", "Anonymised transaction data may be shared for commercial purposes, per the privacy policy.", "Terms and privacy policy carry no dates." ], "agentNotes": [ "Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.", "Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person." ], "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": 27.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 60, "schema": 10, "security": 0, "transparency": 43 }, "provenanceScore": 72 }, "letme": { "capability": "https://letme.dev/finance.transactions", "tool": "https://letme.dev/plum" }, "area": "domain-data", "provenance": { "legalEntity": "Plum Fintech Limited", "domain": "withplum.com", "domainRegistered": "2016-03-15", "endpointOnVendorDomain": null, "terms": "https://withplum.com/legal/terms", "privacy": "https://withplum.com/legal/privacy", "statusPage": "https://status.withplum.com", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms are with Plum Fintech Limited and Saveable Limited acting together. The privacy policy names both as data controllers, with a DPO at dpo@withplum.com. No date was found on either.", "withplum.com/.well-known/security.txt returns 404, and no security or disclosure page was found.", "The status page at status.withplum.com is a Statuspage site.", "RDAP gives a registration date of 2016-03-15 for withplum.com." ], "score": 72 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/plum.json", "live": { "slug": "plum", "vendorStatus": { "page": "https://status.withplum.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:37.163047282Z" }, "updatedAt": "2026-10-14T09:39:37.163047282Z" } }, { "slug": "snoop", "name": "Snoop", "vendor": "Usnoop Limited", "vendorUrl": "https://snoop.app", "kind": "platform", "category": "personal-finance", "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.", "url": "https://www.anchorterminal.com/tools/snoop", "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json", "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).", "pricing": "freemium", "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.bills", "finance.budgets", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "status-page" ], "lastRelease": "2026-09-30", "graded": true, "anchor": { "graded": true, "score": 26.7, "grade": "F", "agentReady": false, "rank": 1027, "ranked": true, "rankOf": 1076, "categoryRank": 3, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 55, "payments": 30, "reliability": 60, "schema": 0, "security": 6, "transparency": 58 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.", "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.", "strengths": [ "Free to use, with Snoop Plus priced on the site.", "Status page with no incident from 16 July to 14 October 2026.", "Processors named with data locations in the privacy policy.", "Responsible disclosure address with a published GPG key." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "No retention periods in the privacy policy, and aggregated market research is sold.", "Terms and privacy policy carry no dates.", "No bug bounty or named security certification." ], "agentNotes": [ "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.", "For a business data arrangement, the route is partnerships@snoop.app, not an API." ], "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": 26.7 } ], "editorialScores": { "ergonomics": 0, "maintenance": 55, "payments": 30, "reliability": 60, "schema": 0, "security": 6, "transparency": 48 }, "provenanceScore": 67 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/snoop" }, "area": "domain-data", "provenance": { "legalEntity": "Usnoop Limited", "domain": "snoop.app", "domainRegistered": "2018-05-08", "endpointOnVendorDomain": null, "terms": "https://snoop.app/terms/", "privacy": "https://snoop.app/privacy-policy/", "statusPage": "https://snoopstatus.statuspage.io", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.", "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.", "The status page is a Statuspage site with app, account-linking and per-bank components.", "RDAP gives a registration date of 2018-05-08 for snoop.app." ], "score": 67 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json", "live": { "slug": "snoop", "vendorStatus": { "page": "https://snoopstatus.statuspage.io", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-14T09:39:41.423456754Z" }, "updatedAt": "2026-10-14T09:39:41.423456754Z" } }, { "slug": "quicken-simplifi", "name": "Quicken Simplifi", "vendor": "Quicken Inc.", "vendorUrl": "https://www.quicken.com/products/simplifi/", "kind": "platform", "category": "personal-finance", "summary": "Quicken Simplifi is a subscription personal finance app for web, iOS and Android. It connects bank, card and investment accounts to track spending, bills and subscriptions, build a spending plan, set savings goals and project cash flow.", "url": "https://www.anchorterminal.com/tools/quicken-simplifi", "markdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json", "license": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Quicken ID with a password and the multi-factor authentication Quicken sets, used in the Simplifi web and mobile apps. Financial institutions are connected inside the app (https://www.quicken.com/about-us/terms/simplifi-and-lifehub/).", "pricing": "paid", "pricingNotes": "Billed annually. The product page shows $3.99 a month against a regular $6.99, as a first-year offer for new members ordering from Quicken by 6 November 2026, renewing at the then-current rate (https://www.quicken.com/products/simplifi/). The US App Store lists a Simplifi annual plan at $84.99 and a monthly subscription at $9.99 (https://apps.apple.com/us/app/id1449777194). No free plan; the terms give a full refund on cancellation within 30 days of the first subscription period and say free trials may be offered from time to time.", "priceSummary": "$3.99 / mo", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on the Simplifi product page, the terms or the privacy statement (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.budgets", "finance.bills", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "paid", "ios", "android", "status-page" ], "lastRelease": "2026-10-07", "graded": true, "anchor": { "graded": true, "score": 20.7, "grade": "F", "agentReady": false, "rank": 1037, "ranked": true, "rankOf": 1076, "categoryRank": 4, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 58, "payments": 10, "reliability": 50, "schema": 0, "security": 0, "transparency": 50 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.", "bestFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.", "strengths": [ "16 iOS releases between 22 July and 7 October 2026.", "Status page at status.quicken.com with a simplifi.quicken.com component.", "Full refund on cancellation within 30 days of the first subscription period, per the terms." ], "weaknesses": [ "No public API or MCP server an outside agent can call; a staff forum reply says none is planned.", "The terms forbid scraping, crawling and access by any means other than Quicken's supported interfaces.", "No free plan, and the advertised $3.99 is a first-year offer billed annually.", "No security contact, disclosure policy or named subprocessors found." ], "agentNotes": [ "Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.", "Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces." ], "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": 20.7 } ], "editorialScores": { "ergonomics": 0, "maintenance": 58, "payments": 10, "reliability": 50, "schema": 0, "security": 0, "transparency": 32 }, "provenanceScore": 68 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/quicken-simplifi" }, "area": "domain-data", "unitPrices": [ { "item": "Simplifi, annual billing, first-year offer", "unit": "month", "usd": 3.99, "note": "billed annually, regular $6.99 a month, offer to 6 November 2026" }, { "item": "Simplifi monthly subscription, App Store", "unit": "month", "usd": 9.99, "note": "US App Store in-app purchase" } ], "provenance": { "legalEntity": "Quicken Inc.", "domain": "quicken.com", "domainRegistered": "1995-06-13", "endpointOnVendorDomain": null, "terms": "https://www.quicken.com/about-us/terms/simplifi-and-lifehub/", "privacy": "https://www.quicken.com/privacy-us/us/", "statusPage": "https://status.quicken.com", "changelog": "", "securityTxt": "unknown", "checked": "2026-10-14", "notes": [ "The Simplifi and LifeHub Terms of Use (updated 30 July 2025) are between the user and Quicken Inc. The US Privacy Statement was last updated 4 September 2025.", "www.quicken.com/.well-known/security.txt answered 403 Forbidden, as did /security and /llms.txt, so whether a security.txt exists couldn't be read.", "status.quicken.com is a Status.io page whose history lists only planned maintenance, the latest on 15 April 2026.", "RDAP gives a registration date of 1995-06-13 for quicken.com." ], "score": 68 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.json", "live": { "slug": "quicken-simplifi", "vendorStatus": { "page": "https://status.quicken.com", "indicator": "unknown", "summary": "no machine-readable status found", "checkedAt": "2026-10-14T08:53:50.186645409Z" }, "updatedAt": "2026-10-14T08:53:50.186645409Z" } }, { "slug": "emma", "name": "Emma", "vendor": "Emma Technologies Ltd", "vendorUrl": "https://emma-app.com", "kind": "platform", "category": "personal-finance", "summary": "Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores.", "url": "https://www.anchorterminal.com/tools/emma", "markdownUrl": "https://www.anchorterminal.com/tools/emma.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/emma.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/emma.json", "license": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)", "transports": [], "packages": [], "auth": "mixed", "authNotes": "An Emma account in the app or web app. UK bank accounts connect through Open Banking with read-only access; North American accounts through Emma's \"Trusted Partners\" (https://emma-app.com/terms).", "pricing": "freemium", "pricingNotes": "Basic is free. Plus £4.99 a month or £41.99 a year, Pro £9.99 a month or £83.99 a year, Ultimate £14.99 a month or £124.99 a year, with a 7-day free trial (https://emma-app.com/plans/compare-emma-plans). Plans differ in bank logins (2 on Basic, 4 on Plus, unlimited above), transfer limits and credit-report detail.", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 on emma-app.com, its plans page, terms or llms.txt (checked 2026-10-14).", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://emma-app.com/llms.txt", "capabilities": [ "finance.subscriptions", "finance.budgets", "finance.bills", "finance.transactions" ], "tags": [ "not-for-agents", "hosted", "official", "closed-source", "freemium", "free-tier", "ios", "android", "uk", "llms-txt" ], "lastRelease": "2026-10-12", "graded": true, "anchor": { "graded": true, "score": 17.4, "grade": "F", "agentReady": false, "rank": 1044, "ranked": true, "rankOf": 1076, "categoryRank": 5, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 49 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.", "bestFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.", "strengths": [ "Free Basic plan, with paid tiers priced on the plans page.", "13 iOS releases between 22 July and 12 October 2026.", "FCA registration numbers and an ICO registration published on the site." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid access by bots, scripts, crawlers or scrapers.", "No status page, security.txt or disclosure policy found.", "Terms and privacy policy carry no dates, and give two different registered offices." ], "agentNotes": [ "Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.", "For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page." ], "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": 17.4 } ], "editorialScores": { "ergonomics": 0, "maintenance": 54, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 45 }, "provenanceScore": 53 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/emma" }, "area": "domain-data", "provenance": { "legalEntity": "Emma Technologies Ltd", "domain": "emma-app.com", "domainRegistered": "2017-06-30", "endpointOnVendorDomain": null, "terms": "https://emma-app.com/terms", "privacy": "https://emma-app.com/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms name Emma Technologies LTD, registered in England and Wales, number 10578464, governed by English law. No date was found on the terms or the privacy policy.", "emma-app.com/.well-known/security.txt returns 404, and status.emma-app.com has no DNS record.", "The registered office differs between the terms (49-51 Central Street, EC1V 8AB) and the site footer (18 Brunswick Place, N1 6DZ).", "RDAP gives a registration date of 2017-06-30 for emma-app.com." ], "score": 53 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/emma.json" }, { "slug": "rocket-money", "name": "Rocket Money", "vendor": "Rocket Money, Inc.", "vendorUrl": "https://www.rocketmoney.com", "kind": "platform", "category": "personal-finance", "summary": "Rocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message.", "url": "https://www.anchorterminal.com/tools/rocket-money", "markdownUrl": "https://www.anchorterminal.com/tools/rocket-money.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rocket-money.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rocket-money.json", "license": "Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Rocket Money account on the web or in the app. Bank accounts connect through Plaid or Akoya, and Rocket Money says it never sees bank passwords (https://www.rocketmoney.com/security). Rowan answers by RCS text message to the primary member on Premium+ (https://www.rocketmoney.com/llms.txt). No credential exists for an outside agent.", "pricing": "freemium", "pricingNotes": "Free to use. Premium is priced by the member, typically $7 to $14 a month after a seven-day free trial, and Premium+ is $15 a month plus tax with Rowan and bill negotiation at no success fee. On the free and Premium tiers bill negotiation costs 35 to 60 per cent of first-year savings (https://www.rocketmoney.com/llms.txt). The App Store lists Premium in-app purchases from $2.99 to $9.99 (https://apps.apple.com/us/app/id1130616675, checked 14 October 2026).", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on rocketmoney.com, llms.txt or the terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://www.rocketmoney.com/llms.txt", "capabilities": [ "finance.subscriptions", "finance.cancellation", "finance.bills", "finance.budgets", "finance.transactions" ], "tags": [ "hosted", "official", "closed-source", "freemium", "ios", "android", "web", "llms-txt", "not-for-agents" ], "lastRelease": "2026-10-13", "graded": true, "anchor": { "graded": true, "score": 17, "grade": "F", "agentReady": false, "rank": 1046, "ranked": true, "rankOf": 1076, "categoryRank": 6, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 43 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.", "bestFor": "People in the US who want subscription cancellation and bill negotiation done for them.", "strengths": [ "Free tier, with Premium priced by the member at about $7 to $14 a month and Premium+ at $15.", "Bank connections go through Plaid or Akoya, so Rocket Money doesn't hold bank passwords, per its security page.", "Sixteen iOS releases between 7 July and 13 October 2026.", "Rowan asks for the member's confirmation before acting, and cancellations go through human-verified workflows, per llms.txt." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid robots, scrapers and other automated access without Rocket Money's express written consent.", "Bill negotiation on the free and Premium tiers costs 35 to 60 per cent of first-year savings.", "No status page or security.txt, and the privacy policy at rocketaccount.com answered 403." ], "agentNotes": [ "Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.", "Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.", "Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+." ], "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": 17 } ], "editorialScores": { "ergonomics": 0, "maintenance": 56, "payments": 30, "reliability": 15, "schema": 10, "security": 0, "transparency": 31 }, "provenanceScore": 55 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/rocket-money" }, "area": "domain-data", "provenance": { "legalEntity": "Rocket Money, Inc.", "domain": "rocketmoney.com", "domainRegistered": "2012-05-13", "endpointOnVendorDomain": null, "terms": "https://www.rocketmoney.com/terms", "privacy": "https://www.rocketaccount.com/#/privacy-policy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms are effective 2 October 2026, with earlier versions archived under /terms/.", "The privacy policy is linked from llms.txt at rocketaccount.com, which answered 403 to our fetch, so it was not read.", "rocketmoney.com/.well-known/security.txt returns 404. status.rocketmoney.com has no DNS record.", "RDAP gives a registration date of 2012-05-13 for rocketmoney.com." ], "score": 55 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rocket-money.json" }, { "slug": "copilot-money", "name": "Copilot Money", "vendor": "Copilot Money, Inc.", "vendorUrl": "https://www.copilot.money", "kind": "platform", "category": "personal-finance", "summary": "Copilot Money is a personal finance app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments, recurring bills and net worth. It has an AI money assistant and a read-only MCP server in waitlist beta.", "url": "https://www.anchorterminal.com/tools/copilot-money", "markdownUrl": "https://www.anchorterminal.com/tools/copilot-money.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/copilot-money.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/copilot-money.json", "license": "Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Copilot Money account. Accounts connect through Plaid, Mastercard Data Connect or direct OAuth with Capital One, Coinbase, Apple Card and Public (https://www.copilot.money/privacy-and-security). The MCP beta needs a place on the waitlist at agent.copilot.money, and its authentication isn't publicly documented.", "pricing": "paid", "pricingNotes": "$95 a year (about $7.92 a month) with a free trial (https://www.copilot.money/llms.txt). The App Store lists subscriptions at $95.00 a year and $13.00 a month (https://apps.apple.com/us/app/id1447330651, checked 14 October 2026). No statement on whether the trial needs a card, and no separate price for the MCP beta, was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on copilot.money, llms.txt, Dispatch or the terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "llmsTxt": "https://www.copilot.money/llms.txt", "capabilities": [ "finance.budgets", "finance.transactions", "finance.subscriptions", "finance.bills" ], "tags": [ "hosted", "official", "closed-source", "paid", "ios", "macos", "web", "llms-txt", "beta", "not-for-agents", "waitlist" ], "lastRelease": "2026-10-08", "graded": true, "anchor": { "graded": true, "score": 16.3, "grade": "F", "agentReady": false, "rank": 1049, "ranked": true, "rankOf": 1076, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 60, "payments": 20, "reliability": 5, "schema": 10, "security": 8, "transparency": 52 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.", "bestFor": "Apple users who want budgets, investments and recurring bills in one app.", "strengths": [ "A dated public changelog, Dispatch, with entries from 16 April to 8 October 2026.", "A published vulnerability disclosure policy naming targets, with security@copilot.money and a hall of fame.", "Five iOS releases between 3 August and 8 October 2026.", "The privacy policy says AI vendors processing user data don't train their models on it." ], "weaknesses": [ "No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.", "No public documentation of the MCP server's address, authentication or tools.", "The terms forbid robots, data mining and using the service to train AI.", "Copilot itself holds no SOC 2 or ISO 27001 certification, per its security page.", "No status page found." ], "agentNotes": [ "Don't plan to call Copilot Money from another agent. The MCP beta is waitlist-only, so ask the person to join at agent.copilot.money and connect it themselves.", "Once connected, expect read-only access to categories, transactions, monthly spend and income, recurrings and tags, per the changelog.", "Don't treat unofficial Copilot clients that read the local cache or a browser session as Copilot's interface." ], "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": 16.3 } ], "editorialScores": { "ergonomics": 0, "maintenance": 60, "payments": 20, "reliability": 5, "schema": 10, "security": 8, "transparency": 43 }, "provenanceScore": 61 }, "letme": { "capability": "https://letme.dev/finance.budgets", "tool": "https://letme.dev/copilot-money" }, "area": "domain-data", "provenance": { "legalEntity": "Copilot Money, Inc.", "domain": "copilot.money", "domainRegistered": "2018-09-30", "endpointOnVendorDomain": null, "terms": "https://www.copilot.money/terms-of-service", "privacy": "https://www.copilot.money/privacy-policy", "statusPage": "", "changelog": "https://www.copilot.money/dispatch", "securityTxt": "unknown", "checked": "2026-10-14", "notes": [ "The terms and privacy policy were last updated 6 May 2026.", "copilot.money's robots.txt disallows /.well-known/, so security.txt was not fetched. A disclosure policy is published at /security-policy/.", "status.copilot.money has no DNS record, and no status page was found.", "RDAP gives a registration date of 2018-09-30 for copilot.money." ], "score": 61 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/copilot-money.json" }, { "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" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "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 }, "letme": { "capability": "https://letme.dev/finance.budgets", "tool": "https://letme.dev/pocketguard" }, "area": "domain-data", "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 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/pocketguard.json" }, { "slug": "hiatus", "name": "Hiatus", "vendor": "Hiatus Inc.", "vendorUrl": "https://hiatusapp.com", "kind": "platform", "category": "personal-finance", "summary": "Hiatus is a personal finance app for iOS and Android from Hiatus Inc. It finds and cancels subscriptions, negotiates bills through a concierge team, and tracks spending, budgets and net worth.", "url": "https://www.anchorterminal.com/tools/hiatus", "markdownUrl": "https://www.anchorterminal.com/tools/hiatus.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/hiatus.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/hiatus.json", "license": "Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "A Hiatus account in the app. Account data arrives through an aggregator, with Plaid named in the privacy policy (https://hiatus.delivery/pages/privacy-policy.html). Bill negotiation and cancellation run under a written authorisation in the terms (https://hiatus.delivery/pages/terms-of-use.html). No credential exists for an outside agent.", "pricing": "freemium", "pricingNotes": "The app is free on the App Store. Hiatus Premium, which the terms say unlocks bill negotiation and cancellation, is sold as in-app purchases of $9.99 (Hiatus Premium), $35.99, $48.00 or $59.99 a year and $13.99 or $20.99 a month (https://apps.apple.com/us/app/id977040079, checked 14 October 2026). No price is published on hiatusapp.com.", "priceSummary": "Freemium", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on hiatusapp.com or the terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.cancellation", "finance.bills", "finance.budgets", "finance.transactions" ], "tags": [ "hosted", "official", "closed-source", "freemium", "ios", "android", "not-for-agents" ], "lastRelease": "2026-10-06", "graded": true, "anchor": { "graded": true, "score": 14.3, "grade": "F", "agentReady": false, "rank": 1054, "ranked": true, "rankOf": 1076, "categoryRank": 9, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 54, "payments": 20, "reliability": 15, "schema": 0, "security": 0, "transparency": 47 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.", "bestFor": "People who want subscriptions found and bills negotiated for them.", "strengths": [ "Bill negotiation and cancellation run under a written authorisation in terms dated 27 February 2026.", "Seven iOS releases between 21 July and 6 October 2026.", "A privacy centre takes access and erasure requests by email verification." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The terms forbid any robot, spider or other automatic means of access.", "No price on hiatusapp.com. Premium appears only as App Store in-app purchases from $9.99 to $59.99.", "Linked-account transactions are shared with unnamed third-party AI providers for the assistant.", "No status page, security.txt or security contact found." ], "agentNotes": [ "Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.", "Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app." ], "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": 14.3 } ], "editorialScores": { "ergonomics": 0, "maintenance": 54, "payments": 20, "reliability": 15, "schema": 0, "security": 0, "transparency": 34 }, "provenanceScore": 59 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/hiatus" }, "area": "domain-data", "provenance": { "legalEntity": "Hiatus Inc.", "domain": "hiatusapp.com", "domainRegistered": "2015-03-22", "endpointOnVendorDomain": null, "terms": "https://hiatus.delivery/pages/terms-of-use.html", "privacy": "https://hiatus.delivery/pages/privacy-policy.html", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms and privacy policy are both dated 27 February 2026 and hosted on hiatus.delivery, a separate domain.", "hiatusapp.com/.well-known/security.txt returns 404. status.hiatusapp.com has no DNS record.", "RDAP gives a registration date of 2015-03-22 for hiatusapp.com." ], "score": 59 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/hiatus.json" }, { "slug": "scribeup", "name": "ScribeUp", "vendor": "ScribeUp Technologies, Inc.", "vendorUrl": "https://scribeup.io", "kind": "http-api", "category": "personal-finance", "summary": "ScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API.", "url": "https://www.anchorterminal.com/tools/scribeup", "markdownUrl": "https://www.anchorterminal.com/tools/scribeup.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/scribeup.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/scribeup.json", "license": "Closed service under the ScribeUp Terms of Service (ScribeUp Technologies, Inc.).", "transports": [], "packages": [], "auth": "mixed", "authNotes": "Partners initialise the SDK with client credentials, per scribeup.io/developer, but the developer docs are locked and access starts with a demo request. End users reach ScribeUp only inside a partner's app, and it temporarily stores merchant logins and session tokens, encrypted, for automated tasks (https://scribeup.io/privacy).", "pricing": "paid", "pricingNotes": "No public prices. Access for banks, credit unions and fintechs starts with a demo request on scribeup.io, checked 14 October 2026. No free tier or sandbox was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 found on scribeup.io or its terms, checked 14 October 2026.", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-14" }, "capabilities": [ "finance.subscriptions", "finance.cancellation", "finance.bills" ], "tags": [ "hosted", "official", "closed-source", "paid", "enterprise", "not-for-agents", "sales-led" ], "graded": true, "anchor": { "graded": true, "score": 7.9, "grade": "F", "agentReady": false, "rank": 1071, "ranked": true, "rankOf": 1076, "categoryRank": 10, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 0, "maintenance": 2, "payments": 0, "reliability": 15, "schema": 0, "security": 6, "transparency": 42 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-14" }, "negative": 0, "verdict": "ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.", "bestFor": "Banks and fintechs that want subscription management inside their app.", "strengths": [ "Embeds by SDK, iFrame or API, with webhooks and events, per its developer page.", "Claims SOC 2 Type II and PCI DSS compliance, with a trust centre run on Vanta.", "Terms and privacy policy dated 1 October 2026, explaining how merchant credentials are stored." ], "weaknesses": [ "No public API or MCP server an outside agent can call.", "The Developer docs link on scribeup.io is locked, and access starts with a demo request.", "No public prices, free tier or sandbox.", "No changelog, release notes or status page found." ], "agentNotes": [ "Don't plan to call ScribeUp from another agent. Send a person to their bank's app if it embeds ScribeUp, or a business to ScribeUp's demo request.", "Expect data a partner bank collects to fall under that bank's privacy policy, not ScribeUp's." ], "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": 7.9 } ], "editorialScores": { "ergonomics": 0, "maintenance": 2, "payments": 0, "reliability": 15, "schema": 0, "security": 6, "transparency": 31 }, "provenanceScore": 53 }, "letme": { "capability": "https://letme.dev/finance.subscriptions", "tool": "https://letme.dev/scribeup" }, "area": "domain-data", "provenance": { "legalEntity": "ScribeUp Technologies, Inc.", "domain": "scribeup.io", "domainRegistered": "2020-10-23", "endpointOnVendorDomain": null, "terms": "https://scribeup.io/terms-of-service", "privacy": "https://scribeup.io/privacy", "statusPage": "", "changelog": "", "securityTxt": "none", "checked": "2026-10-14", "notes": [ "The terms and privacy policy are effective 1 October 2026.", "scribeup.io/.well-known/security.txt returns the site's HTML page, not a security.txt. status.scribeup.io has no DNS record.", "The site's inquiry form posts to production.api.scribeup.co.", "RDAP gives a registration date of 2020-10-23 for scribeup.io." ], "score": 53 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/scribeup.json" } ] }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/categories/personal-finance", "json": "https://www.anchorterminal.com/categories/personal-finance.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/categories/personal-finance.md", "slim": "https://www.anchorterminal.com/categories/personal-finance.min.md" }, "markdown": "Apps and APIs that track a person's subscriptions, bills and budgets from their bank transactions, and some that cancel or negotiate on their behalf. Compared on whether an agent can read and change data through an API, how bank accounts are connected, what cancellation and negotiation services do and what they charge.\n\n- Tools ranked: 10 · agent-ready (BB or better): 0 · accept x402: 0 · hosted endpoints: 1 · desk reviews by the panel: 0\n- JSON: https://www.anchorterminal.com/api/v1/tools.json (list) · https://www.anchorterminal.com/api/v1/rankings.json (ranked) · https://www.anchorterminal.com/api/v1/x402.json (payable) · https://www.anchorterminal.com/api/v1/capabilities.json (by capability)\n- Grades run AA, A, BB, B, C, D, E, F · methodology: https://www.anchorterminal.com/benchmark/\n\n- Shortlist and picks by need: https://www.anchorterminal.com/best/personal-finance/index.md\n- Head-to-head comparisons (43): https://www.anchorterminal.com/compare/personal-finance/index.md\n- Capabilities in this category: finance.subscriptions, finance.bills, finance.budgets, finance.transactions, finance.cancellation\n- https://letme.dev/finance.subscriptions picks the top-graded tool in this list and says how to call it direct; calling through letme comes later (https://www.anchorterminal.com/letme/index.md)\n\n## Ranking\n\n| # | Tool | Vendor | Kind | Category | Grade | Score | Confidence | x402 | Auth | Where | Reviews | Page |\n| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |\n| 351 | YNAB | YNAB | HTTP API | Personal finance | B | 65.1 | high | no | OAuth or key | hosted | none | https://www.anchorterminal.com/tools/ynab.md |\n| 1026 | Plum | Plum Fintech Limited | Platform | Personal finance | F | 27.4 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/plum.md |\n| 1027 | Snoop | Usnoop Limited | Platform | Personal finance | F | 26.7 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/snoop.md |\n| 1037 | Quicken Simplifi | Quicken Inc. | Platform | Personal finance | F | 20.7 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/quicken-simplifi.md |\n| 1044 | Emma | Emma Technologies Ltd | Platform | Personal finance | F | 17.4 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/emma.md |\n| 1046 | Rocket Money | Rocket Money, Inc. | Platform | Personal finance | F | 17 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/rocket-money.md |\n| 1049 | Copilot Money | Copilot Money, Inc. | Platform | Personal finance | F | 16.3 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/copilot-money.md |\n| 1053 | PocketGuard | PocketGuard, Inc. | Platform | Personal finance | F | 14.6 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/pocketguard.md |\n| 1054 | Hiatus | Hiatus Inc. | Platform | Personal finance | F | 14.3 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/hiatus.md |\n| 1071 | ScribeUp | ScribeUp Technologies, Inc. | HTTP API | Personal finance | F | 7.9 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/scribeup.md |\n\nScores are from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/), with Performance and Task success pending. p95 latency and context cost come from our probes, which haven't run yet.\n\n## Summaries\n\n### 351. YNAB, B (65.1)\n\nYNAB is a subscription budgeting app for people. Its REST API reads and edits a user's plans, accounts, categories, payees and transactions, with personal access tokens or OAuth for apps other users authorise. A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.\n\n- Page: https://www.anchorterminal.com/tools/ynab · Markdown: https://www.anchorterminal.com/tools/ynab.md · JSON: https://www.anchorterminal.com/api/v1/tools/ynab.json\n- Capabilities: finance.budgets, finance.transactions · endpoint: `https://api.ynab.com/v1`\n\n### 1026. Plum, F (27.4)\n\nPlum is a saving and investing app for the UK and parts of Europe. It analyses spending from connected bank accounts, moves money aside automatically, and holds savings accounts, ISAs, a pension, investments and an AI financial plan. Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.\n\n- Page: https://www.anchorterminal.com/tools/plum · Markdown: https://www.anchorterminal.com/tools/plum.md · JSON: https://www.anchorterminal.com/api/v1/tools/plum.json\n- Capabilities: finance.transactions\n\n### 1027. Snoop, F (26.7)\n\nSnoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks. Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.\n\n- Page: https://www.anchorterminal.com/tools/snoop · Markdown: https://www.anchorterminal.com/tools/snoop.md · JSON: https://www.anchorterminal.com/api/v1/tools/snoop.json\n- Capabilities: finance.subscriptions, finance.bills, finance.budgets, finance.transactions\n\n### 1037. Quicken Simplifi, F (20.7)\n\nQuicken Simplifi is a subscription personal finance app for web, iOS and Android. It connects bank, card and investment accounts to track spending, bills and subscriptions, build a spending plan, set savings goals and project cash flow. Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.\n\n- Page: https://www.anchorterminal.com/tools/quicken-simplifi · Markdown: https://www.anchorterminal.com/tools/quicken-simplifi.md · JSON: https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json\n- Capabilities: finance.subscriptions, finance.budgets, finance.bills, finance.transactions\n\n### 1044. Emma, F (17.4)\n\nEmma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores. Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.\n\n- Page: https://www.anchorterminal.com/tools/emma · Markdown: https://www.anchorterminal.com/tools/emma.md · JSON: https://www.anchorterminal.com/api/v1/tools/emma.json\n- Capabilities: finance.subscriptions, finance.budgets, finance.bills, finance.transactions\n\n### 1046. Rocket Money, F (17)\n\nRocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message. Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.\n\n- Page: https://www.anchorterminal.com/tools/rocket-money · Markdown: https://www.anchorterminal.com/tools/rocket-money.md · JSON: https://www.anchorterminal.com/api/v1/tools/rocket-money.json\n- Capabilities: finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions\n\n### 1049. Copilot Money, F (16.3)\n\nCopilot Money is a personal finance app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments, recurring bills and net worth. It has an AI money assistant and a read-only MCP server in waitlist beta. Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.\n\n- Page: https://www.anchorterminal.com/tools/copilot-money · Markdown: https://www.anchorterminal.com/tools/copilot-money.md · JSON: https://www.anchorterminal.com/api/v1/tools/copilot-money.json\n- Capabilities: finance.budgets, finance.transactions, finance.subscriptions, finance.bills\n\n### 1053. PocketGuard, F (14.6)\n\nPocketGuard 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. 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.\n\n- Page: https://www.anchorterminal.com/tools/pocketguard · Markdown: https://www.anchorterminal.com/tools/pocketguard.md · JSON: https://www.anchorterminal.com/api/v1/tools/pocketguard.json\n- Capabilities: finance.budgets, finance.transactions, finance.bills, finance.subscriptions, finance.cancellation\n\n### 1054. Hiatus, F (14.3)\n\nHiatus is a personal finance app for iOS and Android from Hiatus Inc. It finds and cancels subscriptions, negotiates bills through a concierge team, and tracks spending, budgets and net worth. Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.\n\n- Page: https://www.anchorterminal.com/tools/hiatus · Markdown: https://www.anchorterminal.com/tools/hiatus.md · JSON: https://www.anchorterminal.com/api/v1/tools/hiatus.json\n- Capabilities: finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions\n\n### 1071. ScribeUp, F (7.9)\n\nScribeUp is an embedded subscription and recurring-bill management service that banks, credit unions and fintechs put inside their own apps. It finds subscriptions and cancels them or updates the card on file, by SDK, iFrame or API. ScribeUp sells subscription detection, one-click cancellation and card updating to banks and fintechs, embedded by SDK, iFrame or API, and claims SOC 2 Type II and PCI DSS compliance. There is no public API or MCP server an outside agent can call today. Developer docs are locked and access starts with a demo request.\n\n- Page: https://www.anchorterminal.com/tools/scribeup · Markdown: https://www.anchorterminal.com/tools/scribeup.md · JSON: https://www.anchorterminal.com/api/v1/tools/scribeup.json\n- Capabilities: finance.subscriptions, finance.cancellation, finance.bills\n\n## How we test this category\n\nIn this run, public evidence against the published checklist. When the task suites run, one test budget with a set of transactions read through each listing's API, a recurring charge identified and, where offered, a cancellation requested. We check the data returned, write access, how accounts connect and fees. This test hasn't run yet, so Task success is pending and the grades here come from the categories assessed from public evidence.\n\n", "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" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Terminal", "url": "https://www.anchorterminal.com/tools/" }, { "name": "Subscriptions, bills \u0026 personal finance", "url": "" } ], "description": "10 subscriptions, bills \u0026 personal finance listings ranked by the Anchor benchmark. Leader YNAB (B). Apps and APIs that track a person's subscriptions, bills and budgets from their bank transactions, and some that cancel or negotiate on their behalf. Compared on whether an agent can read and change data through an API, how bank accounts are connected, what cancellation and negotiation services do and what they charge.", "facts": [ "YNAB B", "Plum F", "Snoop F" ], "h1": "Subscription, bill and budgeting tools for AI agents", "image": "https://www.anchorterminal.com/assets/og/categories-personal-finance.png", "path": "/categories/personal-finance", "published": "", "section": "tools", "title": "Subscription, bill and budgeting tools for AI agents, ranked", "toc": null, "updated": "2026-10-14", "url": "https://www.anchorterminal.com/categories/personal-finance" }, "tokens": { "markdown": 3300, "slim": 530 }, "version": 1 }