{
  "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": "YNAB scores 65.1 (B) on agent readiness against Copilot Money's 16.3 (F), and leads in every scored category.",
    "b": {
      "slug": "ynab",
      "name": "YNAB",
      "vendor": "YNAB",
      "vendorUrl": "https://www.ynab.com",
      "kind": "http-api",
      "category": "personal-finance",
      "summary": "YNAB is a subscription budgeting app for people. Its REST API reads and edits a user's plans, accounts, categories, payees and transactions, with personal access tokens or OAuth for apps other users authorise.",
      "url": "https://www.anchorterminal.com/tools/ynab",
      "markdownUrl": "https://www.anchorterminal.com/tools/ynab.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ynab.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ynab.json",
      "repo": "https://github.com/ynab/ynab-sdk-js",
      "license": "Proprietary service; SDKs Apache-2.0",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.ynab.com/v1",
      "packages": [
        {
          "registry": "npm",
          "name": "ynab"
        },
        {
          "registry": "pypi",
          "name": "ynab"
        },
        {
          "registry": "rubygems",
          "name": "ynab"
        }
      ],
      "auth": "mixed",
      "authNotes": "Bearer token in the Authorization header. A personal access token is made in the web app under Account Settings, Developer Settings, after entering the password; it never expires and is revoked from the same page. OAuth apps use the implicit grant or the authorisation code grant with PKCE and state; access tokens last 2 hours and the code grant returns a refresh token. scope=read-only gives a token that gets 403 on writes. New OAuth apps are in Restricted Mode, limited to 25 users other than the owner, until a review that takes 2 to 4 weeks (https://api.ynab.com/).",
      "pricing": "paid",
      "pricingNotes": "The API comes with a YNAB subscription at no extra charge. $14.99 a month or $109 a year in US dollars, with a 34-day free trial that needs no card when signing up on ynab.com (app stores may ask for one) and a 365-day trial for college students (https://www.ynab.com/pricing). A lapsed subscription or expired trial returns 403.1 or 403.2 on every call (https://api.ynab.com/#errors).",
      "priceSummary": "$14.99 / mo",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the API documentation, the OpenAPI file or the pricing page (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": 0,
      "popularity": {
        "githubStars": 240,
        "npmWeekly": 9596,
        "pypiWeekly": 2299,
        "asOf": "2026-10-14"
      },
      "docsUrl": "https://api.ynab.com/",
      "openapi": "https://api.ynab.com/papi/open_api_spec.yaml",
      "capabilities": [
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "hosted",
        "oauth",
        "openapi",
        "typescript",
        "python",
        "ruby",
        "status-page",
        "bug-bounty",
        "security-txt",
        "free-trial",
        "no-card",
        "read-only-mode",
        "closed-source"
      ],
      "lastRelease": "2026-09-17",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 65.1,
        "grade": "B",
        "agentReady": false,
        "rank": 351,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 1,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 71,
          "maintenance": 62,
          "payments": 30,
          "reliability": 82,
          "schema": 77,
          "security": 51,
          "transparency": 75
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "high",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.",
        "bestFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.",
        "strengths": [
          "Public OpenAPI 3.1.1 file at api.ynab.com/papi/open_api_spec.yaml, version 1.87.0, with 44 operations",
          "OAuth authorisation code grant with PKCE, refresh tokens and a read-only scope that returns 403 on writes",
          "Delta requests with last_knowledge_of_server on nine resources return only what changed",
          "Dated API changelog with 21 versions since February 2024, the latest on 17 September 2026",
          "Official SDKs for JavaScript, Python and Ruby under Apache-2.0, with CI passing on the JavaScript SDK"
        ],
        "weaknesses": [
          "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After",
          "Personal access tokens don't expire and can't be limited to reading",
          "No list pagination, so a full transaction list depends on date filters and delta requests",
          "Getting access needs a person to sign up and create a token or OAuth app in the web app",
          "No llms.txt or Markdown version of the API docs; the site's llms.txt is a product description"
        ],
        "agentNotes": [
          "Use last-used in place of plan_id until you have listed plans with GET /v1/plans",
          "Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour",
          "Read and write amounts in milliunits, or read the _currency fields added in v1.82.0",
          "Set import_id on transactions you create so a retried POST is matched instead of duplicated",
          "Request scope=read-only on OAuth when the task only reads the budget"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "high",
            "grade": "B",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 65.1
          }
        ],
        "editorialScores": {
          "ergonomics": 71,
          "maintenance": 62,
          "payments": 30,
          "reliability": 82,
          "schema": 77,
          "security": 51,
          "transparency": 57
        },
        "provenanceScore": 92
      },
      "connect": {
        "install": "npm install ynab",
        "http": "curl -H \"Authorization: Bearer \u003cACCESS_TOKEN\u003e\" https://api.ynab.com/v1/plans"
      },
      "letme": {
        "capability": "https://letme.dev/finance.budgets",
        "tool": "https://letme.dev/ynab"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "YNAB subscription, monthly",
          "unit": "month",
          "usd": 14.99,
          "note": "API included"
        },
        {
          "item": "YNAB subscription, annual",
          "unit": "month",
          "usd": 9.08,
          "note": "billed $109 a year, API included"
        }
      ],
      "provenance": {
        "legalEntity": "You Need A Budget LLC",
        "domain": "ynab.com",
        "domainRegistered": "2001-11-24",
        "endpointOnVendorDomain": true,
        "terms": "https://www.ynab.com/terms/",
        "privacy": "https://www.ynab.com/privacy-policy/",
        "statusPage": "https://ynabstatus.com",
        "changelog": "https://api.ynab.com/#changelog",
        "securityTxt": "valid",
        "checked": "2026-10-14",
        "notes": [
          "The terms (last modified 9 April 2026) and the privacy policy (effective 20 April 2026) name You Need A Budget LLC d/b/a YNAB, governed by Utah law, with You Need A Budget UK Ltd of Cheltenham for UK and EEA open banking.",
          "API Terms of Service sit on api.ynab.com under Legal and work with the general terms and privacy policy.",
          "security.txt at api.ynab.com/.well-known/security.txt names Bugcrowd and security@ynab.com but has no Expires line, which RFC 9116 requires. www.ynab.com/.well-known/security.txt returned 404.",
          "RDAP at Verisign gives a registration date of 2001-11-24 for ynab.com.",
          "The status page at ynabstatus.com is a Statuspage site with a Public API component."
        ],
        "score": 92
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/ynab.json",
      "live": {
        "slug": "ynab",
        "probe": {
          "target": "https://api.ynab.com/v1",
          "method": "get",
          "lastAt": "2026-10-14T09:42:14.536615748Z",
          "lastOk": true,
          "lastStatus": 200,
          "lastMs": 317,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 320,
          "p95ms24h": 379,
          "samples24h": 17,
          "samples30d": 17,
          "days": [
            {
              "date": "2026-10-14",
              "probes": 17,
              "ok": 17
            }
          ]
        },
        "vendorStatus": {
          "page": "https://ynabstatus.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:48.725692047Z"
        },
        "updatedAt": "2026-10-14T09:42:14.536615748Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "Copilot Money, Inc.",
        "b": "YNAB",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "https://api.ynab.com/v1",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "HTTP",
        "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": "Proprietary service; SDKs Apache-2.0",
        "name": "Licence"
      },
      {
        "a": "none",
        "b": "0",
        "name": "Tools exposed"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-08",
        "b": "2026-09-17",
        "name": "Last release"
      },
      {
        "a": "2026-05-06",
        "b": "2026-04-09",
        "name": "Terms last updated"
      },
      {
        "a": "2026-05-06",
        "b": "2026-04-09",
        "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": "yes",
        "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"
      },
      {
        "a": "none",
        "b": "240 stars, 9.6k npm/wk, 2.3k PyPI/wk",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "YNAB scores 65.1 (B) on agent readiness against Copilot Money's 16.3 (F), and leads in every scored category.",
        "question": "Which is better for AI agents, Copilot Money or YNAB?"
      },
      {
        "answer": "No hosted endpoint is listed for Copilot Money. YNAB has a hosted endpoint at https://api.ynab.com/v1.",
        "question": "Can an agent call Copilot Money and YNAB without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": null,
        "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, 82 against 5",
          "Schema \u0026 documentation, 77 against 10",
          "Agent ergonomics, 71 against 0",
          "Security \u0026 auth, 51 against 8",
          "Payments \u0026 pricing, 30 against 20",
          "Transparency \u0026 trust, 75 against 52"
        ],
        "also": [
          "A hosted endpoint, with nothing to install",
          "Free to start without a card"
        ],
        "goodFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.",
        "slug": "ynab",
        "watchFor": "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After"
      }
    ],
    "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/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-snoop.json",
        "title": "Copilot Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-ynab.json",
        "title": "Emma vs YNAB",
        "url": "https://www.anchorterminal.com/compare/emma-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-ynab.json",
        "title": "Hiatus vs YNAB",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json",
        "title": "PocketGuard vs YNAB",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab"
      },
      {
        "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/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/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-ynab.json",
        "title": "Plum vs YNAB",
        "url": "https://www.anchorterminal.com/compare/plum-vs-ynab"
      }
    ],
    "scores": [
      {
        "by": 77,
        "copilot-money": 5,
        "edge": "ynab",
        "key": "reliability",
        "name": "Reliability",
        "weight": 16,
        "ynab": 82
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 67,
        "copilot-money": 10,
        "edge": "ynab",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13,
        "ynab": 77
      },
      {
        "by": 71,
        "copilot-money": 0,
        "edge": "ynab",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13,
        "ynab": 71
      },
      {
        "by": 43,
        "copilot-money": 8,
        "edge": "ynab",
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14,
        "ynab": 51
      },
      {
        "by": 10,
        "copilot-money": 20,
        "edge": "ynab",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10,
        "ynab": 30
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 2,
        "copilot-money": 60,
        "edge": "ynab",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7,
        "ynab": 62
      },
      {
        "by": 23,
        "copilot-money": 52,
        "edge": "ynab",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7,
        "ynab": 75
      }
    ],
    "summary": "YNAB scores 65.1 (B) on agent readiness against Copilot Money's 16.3 (F), and leads in every scored category. 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.",
      "ynab": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser."
    }
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  "markdown": "YNAB scores 65.1 (B) on agent readiness against Copilot Money's 16.3 (F), and leads in every scored category. 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- YNAB: grade B, 65.1/100, rank #351 of 1076. Markdown https://www.anchorterminal.com/tools/ynab.md · JSON https://www.anchorterminal.com/api/v1/tools/ynab.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\nWatch for: No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.\n\n### YNAB (B)\n\nGood for: An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.\n\nAhead on:\n- Reliability, 82 against 5\n- Schema \u0026 documentation, 77 against 10\n- Agent ergonomics, 71 against 0\n- Security \u0026 auth, 51 against 8\n- Payments \u0026 pricing, 30 against 20\n- Transparency \u0026 trust, 75 against 52\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n- Free to start without a card\n\nWatch for: Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After\n\n\n## Score by category\n\n| Category | Weight | Copilot Money | YNAB | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 5 | 82 | YNAB +77 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 77 | YNAB +67 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 71 | YNAB +71 |\n| Security \u0026 auth | 14% (17.5 this run) | 8 | 51 | YNAB +43 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 30 | YNAB +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 62 | YNAB +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 52 | 75 | YNAB +23 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **16.3 · F** | **65.1 · B** | |\n\n## Facts side by side\n\n| Fact | Copilot Money | YNAB |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Copilot Money, Inc. | YNAB |\n| Hosted endpoint | no (local only) | `https://api.ynab.com/v1` |\n| Transports |  | HTTP |\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.). | Proprietary service; SDKs Apache-2.0 |\n| Tools exposed | none | 0 |\n| Read-only variant documented | yes | yes |\n| llms.txt | yes | no |\n| Last release | 2026-10-08 | 2026-09-17 |\n| Terms last updated | 2026-05-06 | 2026-04-09 |\n| Privacy policy last updated | 2026-05-06 | 2026-04-09 |\n| Customer content may train models | yes | not found in the text |\n| Terms restrict automated access | yes | yes |\n| Terms restrict benchmarking | yes | yes |\n| Terms or service can change without notice | yes | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | none | 240 stars, 9.6k npm/wk, 2.3k PyPI/wk |\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**YNAB.** A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.\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### YNAB\n\n1. Use last-used in place of plan_id until you have listed plans with GET /v1/plans\n2. Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour\n3. Read and write amounts in milliunits, or read the _currency fields added in v1.82.0\n4. Set import_id on transactions you create so a retried POST is matched instead of duplicated\n5. Request scope=read-only on OAuth when the task only reads the budget\n\n## Questions\n\n### Which is better for AI agents, Copilot Money or YNAB?\n\nYNAB scores 65.1 (B) on agent readiness against Copilot Money's 16.3 (F), and leads in every scored category.\n\n### Can an agent call Copilot Money and YNAB without installing anything?\n\nNo hosted endpoint is listed for Copilot Money. YNAB has a hosted endpoint at https://api.ynab.com/v1.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-ynab.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-ynab.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"copilot-money\", \"b\": \"ynab\"}`. From a terminal: `anchor compare copilot-money ynab`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/ynab.json\n\n## Other comparisons with Copilot Money or YNAB\n\n- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.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 Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-vs-ynab.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 YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n",
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    "description": "YNAB scores 65.1 (B) to Copilot Money's 16.3 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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