{
  "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": "Quicken Simplifi scores 20.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 1 of 7 scored categories. Copilot Money leads on schema \u0026 documentation, security \u0026 auth and payments \u0026 pricing.",
    "b": {
      "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"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "Quicken Inc.",
        "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": "Paid",
        "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 the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "2026-10-07",
        "name": "Last release"
      },
      {
        "a": "2026-05-06",
        "b": "2025-07-30",
        "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": "yes",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Quicken Simplifi scores 20.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 1 of 7 scored categories. Copilot Money leads on schema \u0026 documentation, security \u0026 auth and payments \u0026 pricing.",
        "question": "Which is better for AI agents, Copilot Money or Quicken Simplifi?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Security \u0026 auth, 8 against 0",
          "Payments \u0026 pricing, 20 against 10"
        ],
        "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, 50 against 5"
        ],
        "also": null,
        "goodFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.",
        "slug": "quicken-simplifi",
        "watchFor": "No public API or MCP server an outside agent can call; a staff forum reply says none is planned."
      }
    ],
    "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-quicken-simplifi.json",
        "title": "Emma vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json",
        "title": "Hiatus vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.json",
        "title": "Quicken Simplifi vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.json",
        "title": "Quicken Simplifi vs Snoop",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-emma.json",
        "title": "Copilot Money vs Emma",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-emma"
      },
      {
        "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-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/pocketguard-vs-quicken-simplifi.json",
        "title": "PocketGuard vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.json",
        "title": "Quicken Simplifi vs YNAB",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-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/plum-vs-quicken-simplifi.json",
        "title": "Plum vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi"
      }
    ],
    "scores": [
      {
        "by": 45,
        "copilot-money": 5,
        "edge": "quicken-simplifi",
        "key": "reliability",
        "name": "Reliability",
        "quicken-simplifi": 50,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "copilot-money": 10,
        "edge": "copilot-money",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "copilot-money": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 8,
        "copilot-money": 8,
        "edge": "copilot-money",
        "key": "security",
        "name": "Security \u0026 auth",
        "quicken-simplifi": 0,
        "weight": 14
      },
      {
        "by": 10,
        "copilot-money": 20,
        "edge": "copilot-money",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "quicken-simplifi": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 2,
        "copilot-money": 60,
        "edge": "copilot-money",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "quicken-simplifi": 58,
        "weight": 7
      },
      {
        "by": 2,
        "copilot-money": 52,
        "edge": "copilot-money",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "quicken-simplifi": 50,
        "weight": 7
      }
    ],
    "summary": "Quicken Simplifi scores 20.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 1 of 7 scored categories. Copilot Money leads on schema \u0026 documentation, security \u0026 auth and payments \u0026 pricing. 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.",
      "quicken-simplifi": "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."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi",
    "json": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md",
    "slim": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.min.md"
  },
  "markdown": "Quicken Simplifi scores 20.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 1 of 7 scored categories. Copilot Money leads on schema \u0026 documentation, security \u0026 auth and payments \u0026 pricing. 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- Quicken Simplifi: grade F, 20.7/100, rank #1037 of 1076. Markdown https://www.anchorterminal.com/tools/quicken-simplifi.md · JSON https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.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- Schema \u0026 documentation, 10 against 0\n- Security \u0026 auth, 8 against 0\n- Payments \u0026 pricing, 20 against 10\n\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### Quicken Simplifi (F)\n\nGood for: US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.\n\nAhead on:\n- Reliability, 50 against 5\n\nWatch for: No public API or MCP server an outside agent can call; a staff forum reply says none is planned.\n\n\n## Score by category\n\n| Category | Weight | Copilot Money | Quicken Simplifi | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 50 | Quicken Simplifi +45 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 0 | Copilot Money +10 |\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 | 10 | Copilot Money +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 58 | Copilot Money +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 50 | Copilot Money +2 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **20.7 · F** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | Quicken Simplifi |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Copilot Money, Inc. | Quicken Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.). | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-08 | 2026-10-07 |\n| Terms last updated | 2026-05-06 | 2025-07-30 |\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 | yes |\n| Arbitration or class-action waiver | yes | yes |\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**Quicken Simplifi.** 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## 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### Quicken Simplifi\n\n1. Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.\n2. Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces.\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or Quicken Simplifi?\n\nQuicken Simplifi scores 20.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 1 of 7 scored categories. Copilot Money leads on schema \u0026 documentation, security \u0026 auth and payments \u0026 pricing.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"quicken-simplifi\"}`. From a terminal: `anchor compare copilot-money quicken-simplifi`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json\n\n## Other comparisons with Copilot Money or Quicken Simplifi\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.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 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- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)\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": "Compare",
        "url": "https://www.anchorterminal.com/compare/"
      },
      {
        "name": "Copilot Money vs Quicken Simplifi",
        "url": ""
      }
    ],
    "description": "Quicken Simplifi scores 20.7 (F) to Copilot Money's 16.3 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
    "facts": [
      "Copilot Money F 16.3",
      "Quicken Simplifi F 20.7",
      "scores"
    ],
    "h1": "Copilot Money vs Quicken Simplifi",
    "image": "https://www.anchorterminal.com/assets/og/compare-copilot-money-vs-quicken-simplifi.png",
    "path": "/compare/copilot-money-vs-quicken-simplifi",
    "published": "2026-10-01",
    "section": "tools",
    "title": "Copilot Money vs Quicken Simplifi for AI agents (2026)",
    "toc": null,
    "updated": "2026-10-14",
    "url": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi"
  },
  "tokens": {
    "markdown": 2000,
    "slim": 580
  },
  "version": 1
}