{
  "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": "Snoop scores 26.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 3 of 7 scored categories. Copilot Money leads on schema \u0026 documentation and maintenance \u0026 community.",
    "b": {
      "slug": "snoop",
      "name": "Snoop",
      "vendor": "Usnoop Limited",
      "vendorUrl": "https://snoop.app",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.",
      "url": "https://www.anchorterminal.com/tools/snoop",
      "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json",
      "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).",
      "pricing": "freemium",
      "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "status-page"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 26.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1027,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 3,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 58
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.",
        "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "strengths": [
          "Free to use, with Snoop Plus priced on the site.",
          "Status page with no incident from 16 July to 14 October 2026.",
          "Processors named with data locations in the privacy policy.",
          "Responsible disclosure address with a published GPG key."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "No retention periods in the privacy policy, and aggregated market research is sold.",
          "Terms and privacy policy carry no dates.",
          "No bug bounty or named security certification."
        ],
        "agentNotes": [
          "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.",
          "For a business data arrangement, the route is partnerships@snoop.app, not an API."
        ],
        "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": 26.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 48
        },
        "provenanceScore": 67
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/snoop"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Usnoop Limited",
        "domain": "snoop.app",
        "domainRegistered": "2018-05-08",
        "endpointOnVendorDomain": null,
        "terms": "https://snoop.app/terms/",
        "privacy": "https://snoop.app/privacy-policy/",
        "statusPage": "https://snoopstatus.statuspage.io",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.",
          "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.",
          "The status page is a Statuspage site with app, account-linking and per-bank components.",
          "RDAP gives a registration date of 2018-05-08 for snoop.app."
        ],
        "score": 67
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json",
      "live": {
        "slug": "snoop",
        "vendorStatus": {
          "page": "https://snoopstatus.statuspage.io",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:41.423456754Z"
        },
        "updatedAt": "2026-10-14T09:39:41.423456754Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "Usnoop Limited",
        "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 Snoop's terms and conditions (Usnoop Limited)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "2026-09-30",
        "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": "not found in the text",
        "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": "Snoop scores 26.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 3 of 7 scored categories. Copilot Money leads on schema \u0026 documentation and maintenance \u0026 community.",
        "question": "Which is better for AI agents, Copilot Money or Snoop?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Maintenance \u0026 community, 60 against 55"
        ],
        "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, 60 against 5",
          "Payments \u0026 pricing, 30 against 20",
          "Transparency \u0026 trust, 58 against 52"
        ],
        "also": null,
        "goodFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "slug": "snoop",
        "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-snoop.json",
        "title": "Emma vs Snoop",
        "url": "https://www.anchorterminal.com/compare/emma-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-snoop.json",
        "title": "Hiatus vs Snoop",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-snoop"
      },
      {
        "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/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/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-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-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-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-snoop.json",
        "title": "PocketGuard vs Snoop",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/snoop-vs-ynab.json",
        "title": "Snoop vs YNAB",
        "url": "https://www.anchorterminal.com/compare/snoop-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-snoop.json",
        "title": "Plum vs Snoop",
        "url": "https://www.anchorterminal.com/compare/plum-vs-snoop"
      }
    ],
    "scores": [
      {
        "by": 55,
        "copilot-money": 5,
        "edge": "snoop",
        "key": "reliability",
        "name": "Reliability",
        "snoop": 60,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "copilot-money": 10,
        "edge": "copilot-money",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 0,
        "copilot-money": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 2,
        "copilot-money": 8,
        "edge": "copilot-money",
        "key": "security",
        "name": "Security \u0026 auth",
        "snoop": 6,
        "weight": 14
      },
      {
        "by": 10,
        "copilot-money": 20,
        "edge": "snoop",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "snoop": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 5,
        "copilot-money": 60,
        "edge": "copilot-money",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "snoop": 55,
        "weight": 7
      },
      {
        "by": 6,
        "copilot-money": 52,
        "edge": "snoop",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "snoop": 58,
        "weight": 7
      }
    ],
    "summary": "Snoop scores 26.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 3 of 7 scored categories. Copilot Money leads on schema \u0026 documentation 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.",
      "snoop": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop",
    "json": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md",
    "slim": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.min.md"
  },
  "markdown": "Snoop scores 26.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 3 of 7 scored categories. Copilot Money leads on schema \u0026 documentation 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- Snoop: grade F, 26.7/100, rank #1027 of 1076. Markdown https://www.anchorterminal.com/tools/snoop.md · JSON https://www.anchorterminal.com/api/v1/tools/snoop.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- Maintenance \u0026 community, 60 against 55\n\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### Snoop (F)\n\nGood for: UK users who want bills and subscriptions watched and savings suggested at no cost.\n\nAhead on:\n- Reliability, 60 against 5\n- Payments \u0026 pricing, 30 against 20\n- Transparency \u0026 trust, 58 against 52\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 | Snoop | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 60 | Snoop +55 |\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 | 6 | Copilot Money +2 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 30 | Snoop +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 55 | Copilot Money +5 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 58 | Snoop +6 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **26.7 · F** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | Snoop |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Copilot Money, Inc. | Usnoop Limited |\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 Snoop's terms and conditions (Usnoop Limited) |\n| Read-only variant documented | yes | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-08 | 2026-09-30 |\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 | not found in the text |\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**Snoop.** Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.\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### Snoop\n\n1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.\n2. For a business data arrangement, the route is partnerships@snoop.app, not an API.\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or Snoop?\n\nSnoop scores 26.7 (F) on agent readiness against Copilot Money's 16.3 (F), and leads in 3 of 7 scored categories. Copilot Money leads on schema \u0026 documentation and maintenance \u0026 community.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-snoop.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"snoop\"}`. From a terminal: `anchor compare copilot-money snoop`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/snoop.json\n\n## Other comparisons with Copilot Money or Snoop\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-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 Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)\n- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)\n- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n",
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    "description": "Snoop scores 26.7 (F) to Copilot Money's 16.3 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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