{
  "data": {
    "a": {
      "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"
    },
    "answer": "Emma scores 17.4 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 2 of 7 scored categories. Copilot Money leads on security \u0026 auth and maintenance \u0026 community.",
    "b": {
      "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"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "Emma Technologies Ltd",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "no (local only)",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "",
        "name": "Transports"
      },
      {
        "a": "OAuth or key",
        "b": "OAuth or key",
        "name": "Auth"
      },
      {
        "a": "Paid",
        "b": "Freemium",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.).",
        "b": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "2026-10-12",
        "name": "Last release"
      },
      {
        "a": "2026-05-06",
        "b": "no date given",
        "name": "Terms last updated"
      },
      {
        "a": "2026-05-06",
        "b": "no date given",
        "name": "Privacy policy last updated"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Terms restrict automated access"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Emma scores 17.4 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 2 of 7 scored categories. Copilot Money leads on security \u0026 auth and maintenance \u0026 community.",
        "question": "Which is better for AI agents, Copilot Money or Emma?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Security \u0026 auth, 8 against 0",
          "Maintenance \u0026 community, 60 against 54"
        ],
        "also": null,
        "goodFor": "Apple users who want budgets, investments and recurring bills in one app.",
        "slug": "copilot-money",
        "watchFor": "No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only."
      },
      {
        "aheadOn": [
          "Reliability, 15 against 5",
          "Payments \u0026 pricing, 30 against 20"
        ],
        "also": null,
        "goodFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.",
        "slug": "emma",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.budgets",
      "name": "Budgets"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.json",
        "title": "Copilot Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-hiatus.json",
        "title": "Emma vs Hiatus",
        "url": "https://www.anchorterminal.com/compare/emma-vs-hiatus"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-pocketguard.json",
        "title": "Emma vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/emma-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json",
        "title": "Emma vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-scribeup.json",
        "title": "Emma vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/emma-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-snoop.json",
        "title": "Emma vs Snoop",
        "url": "https://www.anchorterminal.com/compare/emma-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.json",
        "title": "Copilot Money vs Hiatus",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-hiatus"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.json",
        "title": "Copilot Money vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json",
        "title": "Copilot Money vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.json",
        "title": "Copilot Money vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.json",
        "title": "Copilot Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab.json",
        "title": "Copilot Money vs YNAB",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-ynab.json",
        "title": "Emma vs YNAB",
        "url": "https://www.anchorterminal.com/compare/emma-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-plum.json",
        "title": "Copilot Money vs Plum",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-plum"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-plum.json",
        "title": "Emma vs Plum",
        "url": "https://www.anchorterminal.com/compare/emma-vs-plum"
      }
    ],
    "scores": [
      {
        "by": 10,
        "copilot-money": 5,
        "edge": "emma",
        "emma": 15,
        "key": "reliability",
        "name": "Reliability",
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "copilot-money": 10,
        "edge": "",
        "emma": 10,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13
      },
      {
        "by": 0,
        "copilot-money": 0,
        "edge": "",
        "emma": 0,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13
      },
      {
        "by": 8,
        "copilot-money": 8,
        "edge": "copilot-money",
        "emma": 0,
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14
      },
      {
        "by": 10,
        "copilot-money": 20,
        "edge": "emma",
        "emma": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 6,
        "copilot-money": 60,
        "edge": "copilot-money",
        "emma": 54,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7
      },
      {
        "by": 3,
        "copilot-money": 52,
        "edge": "copilot-money",
        "emma": 49,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7
      }
    ],
    "summary": "Emma scores 17.4 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 2 of 7 scored categories. Copilot Money leads on security \u0026 auth and maintenance \u0026 community. Both do budgets.",
    "verdicts": {
      "copilot-money": "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.",
      "emma": "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."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/copilot-money-vs-emma",
    "json": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.md",
    "slim": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.min.md"
  },
  "markdown": "Emma scores 17.4 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 2 of 7 scored categories. Copilot Money leads on security \u0026 auth and maintenance \u0026 community. Both do budgets.\n\n- Copilot Money: grade F, 16.3/100, rank #1049 of 1076. Markdown https://www.anchorterminal.com/tools/copilot-money.md · JSON https://www.anchorterminal.com/api/v1/tools/copilot-money.json\n- Emma: grade F, 17.4/100, rank #1044 of 1076. Markdown https://www.anchorterminal.com/tools/emma.md · JSON https://www.anchorterminal.com/api/v1/tools/emma.json\n- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md\n- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md\n\n## Which one, for what\n\n### Copilot Money (F)\n\nGood for: Apple users who want budgets, investments and recurring bills in one app.\n\nAhead on:\n- Security \u0026 auth, 8 against 0\n- Maintenance \u0026 community, 60 against 54\n\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### Emma (F)\n\nGood for: UK users who want subscriptions, bills and budgets in one app, with savings and investing.\n\nAhead on:\n- Reliability, 15 against 5\n- Payments \u0026 pricing, 30 against 20\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Copilot Money | Emma | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 15 | Emma +10 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 10 | even |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 8 | 0 | Copilot Money +8 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 30 | Emma +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 54 | Copilot Money +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 49 | Copilot Money +3 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **17.4 · F** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | Emma |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Copilot Money, Inc. | Emma Technologies Ltd |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Freemium |\n| x402 | no | no |\n| Licence | Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.). | Closed service under Emma's terms and conditions (Emma Technologies Ltd) |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-08 | 2026-10-12 |\n| Terms last updated | 2026-05-06 | no date given |\n| Privacy policy last updated | 2026-05-06 | no date given |\n| Customer content may train models | yes | not found in the text |\n| Terms restrict automated access | yes | yes |\n| Terms restrict benchmarking | yes | not found in the text |\n| Terms or service can change without notice | yes | not found in the text |\n| Arbitration or class-action waiver | yes | not found in the text |\n\n## Verdicts\n\n**Copilot Money.** 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**Emma.** 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## Before you call either\n\n### Copilot Money\n\n1. 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.\n2. Once connected, expect read-only access to categories, transactions, monthly spend and income, recurrings and tags, per the changelog.\n3. Don't treat unofficial Copilot clients that read the local cache or a browser session as Copilot's interface.\n\n### Emma\n\n1. Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.\n2. For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page.\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or Emma?\n\nEmma scores 17.4 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 2 of 7 scored categories. Copilot Money leads on security \u0026 auth and maintenance \u0026 community.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-emma.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-emma.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"emma\"}`. From a terminal: `anchor compare copilot-money emma`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/emma.json\n\n## Other comparisons with Copilot Money or Emma\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Copilot Money vs Hiatus](https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)\n- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)\n- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)\n- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n",
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    "description": "Emma scores 17.4 (F) to Copilot Money's 16.3 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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