{
  "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": "Rocket Money and Copilot Money score within a point of each other on agent readiness, 17 (F) and 16.3 (F). Copilot Money leads on security \u0026 auth and transparency \u0026 trust.",
    "b": {
      "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"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "Rocket Money, 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": "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 the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "2026-10-13",
        "name": "Last release"
      },
      {
        "a": "2026-05-06",
        "b": "2023-12-01",
        "name": "Terms last updated"
      },
      {
        "a": "2026-05-06",
        "b": "couldn't be read",
        "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": "Rocket Money and Copilot Money score within a point of each other on agent readiness, 17 (F) and 16.3 (F). Copilot Money leads on security \u0026 auth and transparency \u0026 trust.",
        "question": "Which is better for AI agents, Copilot Money or Rocket Money?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Security \u0026 auth, 8 against 0",
          "Transparency \u0026 trust, 52 against 43"
        ],
        "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": "People in the US who want subscription cancellation and bill negotiation done for them.",
        "slug": "rocket-money",
        "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-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.json",
        "title": "Hiatus vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-rocket-money"
      },
      {
        "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/rocket-money-vs-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.json",
        "title": "Rocket Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/rocket-money-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-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-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-rocket-money.json",
        "title": "PocketGuard vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-ynab.json",
        "title": "Rocket Money vs YNAB",
        "url": "https://www.anchorterminal.com/compare/rocket-money-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-rocket-money.json",
        "title": "Plum vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/plum-vs-rocket-money"
      }
    ],
    "scores": [
      {
        "by": 10,
        "copilot-money": 5,
        "edge": "rocket-money",
        "key": "reliability",
        "name": "Reliability",
        "rocket-money": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "copilot-money": 10,
        "edge": "",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "rocket-money": 10,
        "weight": 13
      },
      {
        "by": 0,
        "copilot-money": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "rocket-money": 0,
        "weight": 13
      },
      {
        "by": 8,
        "copilot-money": 8,
        "edge": "copilot-money",
        "key": "security",
        "name": "Security \u0026 auth",
        "rocket-money": 0,
        "weight": 14
      },
      {
        "by": 10,
        "copilot-money": 20,
        "edge": "rocket-money",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "rocket-money": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 4,
        "copilot-money": 60,
        "edge": "copilot-money",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "rocket-money": 56,
        "weight": 7
      },
      {
        "by": 9,
        "copilot-money": 52,
        "edge": "copilot-money",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "rocket-money": 43,
        "weight": 7
      }
    ],
    "summary": "Rocket Money and Copilot Money score within a point of each other on agent readiness, 17 (F) and 16.3 (F). Copilot Money leads on security \u0026 auth and transparency \u0026 trust. 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.",
      "rocket-money": "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."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money",
    "json": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md",
    "slim": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.min.md"
  },
  "markdown": "Rocket Money and Copilot Money score within a point of each other on agent readiness, 17 (F) and 16.3 (F). Copilot Money leads on security \u0026 auth and transparency \u0026 trust. 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- Rocket Money: grade F, 17/100, rank #1046 of 1076. Markdown https://www.anchorterminal.com/tools/rocket-money.md · JSON https://www.anchorterminal.com/api/v1/tools/rocket-money.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- Transparency \u0026 trust, 52 against 43\n\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### Rocket Money (F)\n\nGood for: People in the US who want subscription cancellation and bill negotiation done for them.\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 | Rocket Money | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 15 | Rocket Money +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 | Rocket Money +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 56 | Copilot Money +4 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 43 | Copilot Money +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **17 · F** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | Rocket Money |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Copilot Money, Inc. | Rocket Money, Inc. |\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 the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.). |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-08 | 2026-10-13 |\n| Terms last updated | 2026-05-06 | 2023-12-01 |\n| Privacy policy last updated | 2026-05-06 | couldn't be read |\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**Rocket Money.** 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## 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### Rocket Money\n\n1. 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.\n2. Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.\n3. Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+.\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or Rocket Money?\n\nRocket Money and Copilot Money score within a point of each other on agent readiness, 17 (F) and 16.3 (F). Copilot Money leads on security \u0026 auth and transparency \u0026 trust.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"rocket-money\"}`. From a terminal: `anchor compare copilot-money rocket-money`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/rocket-money.json\n\n## Other comparisons with Copilot Money or Rocket Money\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-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 Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.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 Rocket Money](https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md)\n",
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    "description": "Rocket Money and Copilot Money score within a point of each other for budgets, 17 and 16.3 out of 100. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Copilot Money vs Rocket Money for AI agents in 2026: scores and prices",
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