# Subscription, bill and budgeting tools for AI agents

> 10 subscriptions, bills & 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.

- Canonical: https://www.anchorterminal.com/categories/personal-finance
- Markdown: https://www.anchorterminal.com/categories/personal-finance.md (~3,300 tokens)
- Slim: https://www.anchorterminal.com/categories/personal-finance.min.md (~530 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/categories/personal-finance.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

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.

- Tools ranked: 10 · agent-ready (BB or better): 0 · accept x402: 0 · hosted endpoints: 1 · desk reviews by the panel: 0
- 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)
- Grades run AA, A, BB, B, C, D, E, F · methodology: https://www.anchorterminal.com/benchmark/

- Shortlist and picks by need: https://www.anchorterminal.com/best/personal-finance/index.md
- Head-to-head comparisons (43): https://www.anchorterminal.com/compare/personal-finance/index.md
- Capabilities in this category: finance.subscriptions, finance.bills, finance.budgets, finance.transactions, finance.cancellation
- 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)

## Ranking

| # | Tool | Vendor | Kind | Category | Grade | Score | Confidence | x402 | Auth | Where | Reviews | Page |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 351 | YNAB | YNAB | HTTP API | Personal finance | B | 65.1 | high | no | OAuth or key | hosted | none | https://www.anchorterminal.com/tools/ynab.md |
| 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 |
| 1027 | Snoop | Usnoop Limited | Platform | Personal finance | F | 26.7 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/snoop.md |
| 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 |
| 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 |
| 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 |
| 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 |
| 1053 | PocketGuard | PocketGuard, Inc. | Platform | Personal finance | F | 14.6 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/pocketguard.md |
| 1054 | Hiatus | Hiatus Inc. | Platform | Personal finance | F | 14.3 | medium | no | OAuth or key | local | none | https://www.anchorterminal.com/tools/hiatus.md |
| 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 |

Scores 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.

## Summaries

### 351. YNAB, B (65.1)

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. 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.

- 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
- Capabilities: finance.budgets, finance.transactions · endpoint: `https://api.ynab.com/v1`

### 1026. Plum, F (27.4)

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. 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.

- 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
- Capabilities: finance.transactions

### 1027. Snoop, F (26.7)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.bills, finance.budgets, finance.transactions

### 1037. Quicken Simplifi, F (20.7)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.budgets, finance.bills, finance.transactions

### 1044. Emma, F (17.4)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.budgets, finance.bills, finance.transactions

### 1046. Rocket Money, F (17)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions

### 1049. Copilot Money, F (16.3)

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. 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.

- 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
- Capabilities: finance.budgets, finance.transactions, finance.subscriptions, finance.bills

### 1053. PocketGuard, F (14.6)

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. 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.

- 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
- Capabilities: finance.budgets, finance.transactions, finance.bills, finance.subscriptions, finance.cancellation

### 1054. Hiatus, F (14.3)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions

### 1071. ScribeUp, F (7.9)

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. 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.

- 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
- Capabilities: finance.subscriptions, finance.cancellation, finance.bills

## How we test this category

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. This test hasn't run yet, so Task success is pending and the grades here come from the categories assessed from public evidence.