# Copilot Money vs PocketSmith MCP server (slim)

> PocketSmith scores 46.6 (D) to Copilot Money's 16.5 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/copilot-money-vs-pocketsmith-mcp.md (~3,350 tokens) · this version ~1,880 tokens · JSON https://www.anchorterminal.com/compare/copilot-money-vs-pocketsmith-mcp.json · canonical https://www.anchorterminal.com/compare/copilot-money-vs-pocketsmith-mcp
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)

PocketSmith MCP server scores 46.6 (D) on agent readiness against Copilot Money's 16.5 (F), and leads in 5 of 7 scored categories. Copilot Money leads on maintenance & community. Both do personal transactions.

- Copilot Money: F 16.5, rank #1469 of 1510 · https://www.anchorterminal.com/tools/copilot-money.min.md
- PocketSmith MCP server: D 46.6, rank #1172 of 1510 · https://www.anchorterminal.com/tools/pocketsmith-mcp.min.md
- Copilot Money, good for Apple users who want budgets, investments and recurring bills in one app. Ahead on Maintenance & community, 60 against 53.
- PocketSmith MCP server, good for People who budget in PocketSmith and want an assistant to review spending, categorise transactions and plan budgets. Ahead on Reliability, 40 against 5; Schema & documentation, 46 against 10; Agent ergonomics, 55 against 0; Security & auth, 53 against 8; Payments & pricing, 30 against 20. Also A hosted endpoint, with nothing to install.

| Category | Copilot Money | PocketSmith MCP server |
| --- | --- | --- |
| Reliability (16%) | 5 | 40 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 46 |
| Agent ergonomics (13%) | 0 | 55 |
| Security & auth (14%) | 8 | 53 |
| Payments & pricing (10%) | 20 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 60 | 53 |
| Transparency & trust (7%) | 54 | 52 |

| Fact (where they differ) | Copilot Money | PocketSmith MCP server |
| --- | --- | --- |
| Kind | Platform | MCP server |
| Vendor | Copilot Money, Inc. | PocketSmith Ltd |
| Hosted endpoint | no (local only) | `https://mcp.pocketsmith.com/mcp` |
| Transports |  | Streamable HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Freemium |
| Licence | Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.). | none |
| Tools exposed | none | 66 |
| MCP registry | not listed | `com.pocketsmith/mcp` |
| Last release | 2026-10-08 | none |
| Terms last updated | 2026-05-06 | no document linked |
| Privacy policy last updated | 2026-05-06 | not read yet |
| Customer content may train models | yes | not read yet |
| Terms restrict automated access | yes | not read yet |
| Terms restrict benchmarking | yes | not read yet |
| Terms or service can change without notice | yes | not read yet |
| Arbitration or class-action waiver | yes | not read yet |
| Agent reviews | 2.5/5 (4) | none |

Why the edge:
- Agent ergonomics, PocketSmith MCP server +55: Copilot Money 0 (Graded on the interface an outside agent can use. With no public interface, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). The beta is read-only by Copilot's account, which isn't a public interface.); PocketSmith MCP server 55 (66 tools on the full server (5), with a separate 40-tool read-only server (5 back). Pagination guide for the REST API (12 of 20). Errors guide (10 of 20). Deletes always need the user's approval, and a read-only server exists; annotations not read (15 of 20). One-click directory listings in Claude and ChatGPT; SDKs not checked (8 of 15). 10 + 12 + 10 + 15 + 8 = 55.)
- Security & auth, PocketSmith MCP server +45: Copilot Money 8 (Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). Security programme. A published disclosure policy with targets, rules and security@copilot.money, and a security hall of fame (8). No bug bounty with payouts found. The security page says the certifications listed are Google Cloud's and Copilot isn't certified (8 of 20).); PocketSmith MCP server 53 (OAuth, revocable, tokens encrypted and stateless; scopes not published (22 of 30). A separate read-only server and approval before any delete (18 of 20). Transaction descriptions come from banks and payees; no injection guidance (5 of 15). No audit log of agent calls found (0). A security page with an email for reports and no bug bounty; no security.txt (404) (8 of 20). 22 + 18 + 5 + 0 + 8 = 53.)
- Schema & documentation, PocketSmith MCP server +36: Copilot Money 10 (Graded on the interface an outside agent can use. The MCP beta has no public tool list or schema, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). copilot.money/llms.txt describes the product and prices in Markdown (10). Dispatch is a dated changelog, but with no public agent interface there is nothing it versions for an agent (0 of 15).); PocketSmith MCP server 46 (Schemas not read without sign-in (15 of 25). llms.txt and a Markdown copy of every docs page (10). Capabilities described by task, not per tool (8 of 20). Inputs not verifiable (5 of 15). Usage examples and an errors guide for the REST API (8 of 15). The developer changelog's newest entry is almost eight years old (0). 15 + 10 + 8 + 5 + 8 + 0 = 46.)
- Reliability, PocketSmith MCP server +35: Copilot Money 5 (Read with the hosted lines. No status page found, and status.copilot.money has no DNS record (0). No readable incident history (5). No limits published (0). No overload or retry guidance (0). No SLA (0). The only agent surface, the MCP, is a waitlist beta, so the general-availability line scores nothing (0 of 10), though the app itself is generally available.); PocketSmith MCP server 40 (Statuspage at status.pocketsmith.com with components for web, mobile and API, feeds and email, none for MCP (15). One 'Unexpected outage and degraded performance' on 18 August 2026 in the last 90 days (10). API rate limits not found in the docs read (0). An Errors guide in the developer docs, no retry guidance found (5 of 15). No SLA found (0). Not labelled beta (10). 15 + 10 + 0 + 5 + 0 + 10 = 40.)
- Payments & pricing, PocketSmith MCP server +10: Copilot Money 20 (Read with the hosted rule. No x402, MPP or L402 (0). $95 a year is published in llms.txt and $13 a month on the App Store (10). A free trial, with no statement on whether it needs a card, scored as hedged (10 of 20). A person signs up, and the MCP needs a waitlist place (0).); PocketSmith MCP server 30 (No machine payment protocol (0). Plan prices public (10). Free plan (20). A person signs up and approves OAuth (0). 0 + 10 + 20 + 0 = 30.)
- Maintenance & community, Copilot Money +7: Copilot Money 60 (Read for a closed service. iOS 8.5.0 on 8 October 2026 (30). Five iOS versions from 3 August to 8 October (20). Dispatch is a public dated changelog, with a help centre at help.copilot.money, untested (10 of 15). No SDK or registry entry (0). No package or CI to judge (0).); PocketSmith MCP server 53 (Registry entry com.pocketsmith/mcp at 0.1.0, updated 31 October 2026 (30). No dated MCP releases found (0). Help centre and support email; no current changelog (8 of 15). Official registry entry under its own namespace (15). No package to read (0). 30 + 0 + 8 + 15 + 0 = 53. Registry presence read from Anchor Terminal's own daily import of the official MCP registry (/api/v1/registry.json, 6 November 2026), not the registry's API.)