{
  "data": {
    "a": {
      "slug": "emma",
      "name": "Emma",
      "vendor": "Emma Technologies Ltd",
      "vendorUrl": "https://emma-app.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Emma is a budgeting app for iOS, Android and the web, mainly for UK users. It connects bank accounts through Open Banking to track subscriptions, bills and spending and set budgets, with savings, investing and credit scores.",
      "url": "https://www.anchorterminal.com/tools/emma",
      "markdownUrl": "https://www.anchorterminal.com/tools/emma.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/emma.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/emma.json",
      "license": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "An Emma account in the app or web app. UK bank accounts connect through Open Banking with read-only access; North American accounts through Emma's \"Trusted Partners\" (https://emma-app.com/terms).",
      "pricing": "freemium",
      "pricingNotes": "Basic is free. Plus £4.99 a month or £41.99 a year, Pro £9.99 a month or £83.99 a year, Ultimate £14.99 a month or £124.99 a year, with a 7-day free trial (https://emma-app.com/plans/compare-emma-plans). Plans differ in bank logins (2 on Basic, 4 on Plus, unlimited above), transfer limits and credit-report detail.",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on emma-app.com, its plans page, terms or llms.txt (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "llmsTxt": "https://emma-app.com/llms.txt",
      "capabilities": [
        "finance.subscriptions",
        "finance.budgets",
        "finance.bills",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "llms-txt"
      ],
      "lastRelease": "2026-10-12",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 17.4,
        "grade": "F",
        "agentReady": false,
        "rank": 1044,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 5,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 54,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 49
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.",
        "bestFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.",
        "strengths": [
          "Free Basic plan, with paid tiers priced on the plans page.",
          "13 iOS releases between 22 July and 12 October 2026.",
          "FCA registration numbers and an ICO registration published on the site."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The terms forbid access by bots, scripts, crawlers or scrapers.",
          "No status page, security.txt or disclosure policy found.",
          "Terms and privacy policy carry no dates, and give two different registered offices."
        ],
        "agentNotes": [
          "Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.",
          "For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page."
        ],
        "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": 17.4
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 54,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 45
        },
        "provenanceScore": 53
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/emma"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Emma Technologies Ltd",
        "domain": "emma-app.com",
        "domainRegistered": "2017-06-30",
        "endpointOnVendorDomain": null,
        "terms": "https://emma-app.com/terms",
        "privacy": "https://emma-app.com/privacy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms name Emma Technologies LTD, registered in England and Wales, number 10578464, governed by English law. No date was found on the terms or the privacy policy.",
          "emma-app.com/.well-known/security.txt returns 404, and status.emma-app.com has no DNS record.",
          "The registered office differs between the terms (49-51 Central Street, EC1V 8AB) and the site footer (18 Brunswick Place, N1 6DZ).",
          "RDAP gives a registration date of 2017-06-30 for emma-app.com."
        ],
        "score": 53
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/emma.json"
    },
    "answer": "Emma scores 17.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories.",
    "b": {
      "slug": "hiatus",
      "name": "Hiatus",
      "vendor": "Hiatus Inc.",
      "vendorUrl": "https://hiatusapp.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Hiatus is a personal finance app for iOS and Android from Hiatus Inc. It finds and cancels subscriptions, negotiates bills through a concierge team, and tracks spending, budgets and net worth.",
      "url": "https://www.anchorterminal.com/tools/hiatus",
      "markdownUrl": "https://www.anchorterminal.com/tools/hiatus.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/hiatus.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/hiatus.json",
      "license": "Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Hiatus account in the app. Account data arrives through an aggregator, with Plaid named in the privacy policy (https://hiatus.delivery/pages/privacy-policy.html). Bill negotiation and cancellation run under a written authorisation in the terms (https://hiatus.delivery/pages/terms-of-use.html). No credential exists for an outside agent.",
      "pricing": "freemium",
      "pricingNotes": "The app is free on the App Store. Hiatus Premium, which the terms say unlocks bill negotiation and cancellation, is sold as in-app purchases of $9.99 (Hiatus Premium), $35.99, $48.00 or $59.99 a year and $13.99 or $20.99 a month (https://apps.apple.com/us/app/id977040079, checked 14 October 2026). No price is published on hiatusapp.com.",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on hiatusapp.com or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "ios",
        "android",
        "not-for-agents"
      ],
      "lastRelease": "2026-10-06",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 14.3,
        "grade": "F",
        "agentReady": false,
        "rank": 1054,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 9,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 54,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 47
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.",
        "bestFor": "People who want subscriptions found and bills negotiated for them.",
        "strengths": [
          "Bill negotiation and cancellation run under a written authorisation in terms dated 27 February 2026.",
          "Seven iOS releases between 21 July and 6 October 2026.",
          "A privacy centre takes access and erasure requests by email verification."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The terms forbid any robot, spider or other automatic means of access.",
          "No price on hiatusapp.com. Premium appears only as App Store in-app purchases from $9.99 to $59.99.",
          "Linked-account transactions are shared with unnamed third-party AI providers for the assistant.",
          "No status page, security.txt or security contact found."
        ],
        "agentNotes": [
          "Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.",
          "Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app."
        ],
        "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": 14.3
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 54,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 34
        },
        "provenanceScore": 59
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/hiatus"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Hiatus Inc.",
        "domain": "hiatusapp.com",
        "domainRegistered": "2015-03-22",
        "endpointOnVendorDomain": null,
        "terms": "https://hiatus.delivery/pages/terms-of-use.html",
        "privacy": "https://hiatus.delivery/pages/privacy-policy.html",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms and privacy policy are both dated 27 February 2026 and hosted on hiatus.delivery, a separate domain.",
          "hiatusapp.com/.well-known/security.txt returns 404. status.hiatusapp.com has no DNS record.",
          "RDAP gives a registration date of 2015-03-22 for hiatusapp.com."
        ],
        "score": 59
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/hiatus.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Emma Technologies Ltd",
        "b": "Hiatus 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": "Freemium",
        "b": "Freemium",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)",
        "b": "Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation).",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-10-06",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "2026-02-27",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "2026-02-27",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Customer content may train models"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Emma scores 17.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories.",
        "question": "Which is better for AI agents, Emma or Hiatus?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 30 against 20"
        ],
        "also": null,
        "goodFor": "UK users who want subscriptions, bills and budgets in one app, with savings and investing.",
        "slug": "emma",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": null,
        "also": null,
        "goodFor": "People who want subscriptions found and bills negotiated for them.",
        "slug": "hiatus",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-pocketguard.json",
        "title": "Emma vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/emma-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json",
        "title": "Emma vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/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/emma-vs-scribeup.json",
        "title": "Emma vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/emma-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-pocketguard.json",
        "title": "Hiatus vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json",
        "title": "Hiatus vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/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/hiatus-vs-scribeup.json",
        "title": "Hiatus vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-scribeup"
      },
      {
        "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/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/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/emma-vs-plum.json",
        "title": "Emma vs Plum",
        "url": "https://www.anchorterminal.com/compare/emma-vs-plum"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-plum.json",
        "title": "Hiatus vs Plum",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-plum"
      }
    ],
    "scores": [
      {
        "by": 0,
        "edge": "",
        "emma": 15,
        "hiatus": 15,
        "key": "reliability",
        "name": "Reliability",
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "emma",
        "emma": 10,
        "hiatus": 0,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "hiatus": 0,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "hiatus": 0,
        "key": "security",
        "name": "Security \u0026 auth",
        "weight": 14
      },
      {
        "by": 10,
        "edge": "emma",
        "emma": 30,
        "hiatus": 20,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "emma": 54,
        "hiatus": 54,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "weight": 7
      },
      {
        "by": 2,
        "edge": "emma",
        "emma": 49,
        "hiatus": 47,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "weight": 7
      }
    ],
    "summary": "Emma scores 17.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories. Both do subscription tracking.",
    "verdicts": {
      "emma": "Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.",
      "hiatus": "Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/emma-vs-hiatus",
    "json": "https://www.anchorterminal.com/compare/emma-vs-hiatus.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/emma-vs-hiatus.md",
    "slim": "https://www.anchorterminal.com/compare/emma-vs-hiatus.min.md"
  },
  "markdown": "Emma scores 17.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories. Both do subscription tracking.\n\n- Emma: grade F, 17.4/100, rank #1044 of 1076. Markdown https://www.anchorterminal.com/tools/emma.md · JSON https://www.anchorterminal.com/api/v1/tools/emma.json\n- Hiatus: grade F, 14.3/100, rank #1054 of 1076. Markdown https://www.anchorterminal.com/tools/hiatus.md · JSON https://www.anchorterminal.com/api/v1/tools/hiatus.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### Emma (F)\n\nGood for: UK users who want subscriptions, bills and budgets in one app, with savings and investing.\n\nAhead on:\n- Schema \u0026 documentation, 10 against 0\n- Payments \u0026 pricing, 30 against 20\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### Hiatus (F)\n\nGood for: People who want subscriptions found and bills negotiated for them.\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Emma | Hiatus | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 15 | even |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 0 | Emma +10 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 0 | even |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 20 | Emma +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 54 | 54 | even |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 47 | Emma +2 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17.4 · F** | **14.3 · F** | |\n\n## Facts side by side\n\n| Fact | Emma | Hiatus |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Emma Technologies Ltd | Hiatus Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation). |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | 2026-10-06 |\n| Terms last updated | no date given | 2026-02-27 |\n| Privacy policy last updated | no date given | 2026-02-27 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | yes |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n\n## Verdicts\n\n**Emma.** Emma tracks subscriptions, bills and budgets for UK users through Open Banking, with a free plan and public prices for paid tiers, and iOS releases about every week. There is no public API or MCP server an outside agent can call. No status page or security contact was found, and the terms forbid bots and scrapers.\n\n**Hiatus.** Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.\n\n## Before you call either\n\n### Emma\n\n1. Don't plan to call Emma from another agent. Hand the task to the person in the Emma app or web app.\n2. For a one-off cancellation question, the public pages at emma-app.com/how-to-cancel can be read like any web page.\n\n### Hiatus\n\n1. Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.\n2. Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.\n\n## Questions\n\n### Which is better for AI agents, Emma or Hiatus?\n\nEmma scores 17.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 3 of 7 scored categories.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/emma-vs-hiatus.json, and with the fewest tokens: https://www.anchorterminal.com/compare/emma-vs-hiatus.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"emma\", \"b\": \"hiatus\"}`. From a terminal: `anchor compare emma hiatus`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/emma.json and https://www.anchorterminal.com/api/v1/tools/hiatus.json\n\n## Other comparisons with Emma or Hiatus\n\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Emma vs ScribeUp](https://www.anchorterminal.com/compare/emma-vs-scribeup.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)\n- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)\n- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-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- [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- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md)\n",
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    "description": "Emma scores 17.4 (F) to Hiatus's 14.3 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
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