# Emma vs PocketGuard (slim)

> Emma scores 17.4 (F) to PocketGuard's 14.6 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/emma-vs-pocketguard.md (~1,800 tokens) · this version ~480 tokens · JSON https://www.anchorterminal.com/compare/emma-vs-pocketguard.json · canonical https://www.anchorterminal.com/compare/emma-vs-pocketguard
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

Emma scores 17.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. Both do subscription tracking.

- Emma: F 17.4, rank #1044 of 1076 · https://www.anchorterminal.com/tools/emma.min.md
- PocketGuard: F 14.6, rank #1053 of 1076 · https://www.anchorterminal.com/tools/pocketguard.min.md
- Emma, good for UK users who want subscriptions, bills and budgets in one app, with savings and investing. Ahead on Schema & documentation, 10 against 0; Payments & pricing, 30 against 20.
- PocketGuard, good for People who want a budget built from linked accounts.

| Category | Emma | PocketGuard |
| --- | --- | --- |
| Reliability (16%) | 15 | 15 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 0 |
| Agent ergonomics (13%) | 0 | 0 |
| Security & auth (14%) | 0 | 0 |
| Payments & pricing (10%) | 30 | 20 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 54 | 56 |
| Transparency & trust (7%) | 49 | 48 |

| Fact (where they differ) | Emma | PocketGuard |
| --- | --- | --- |
| Vendor | Emma Technologies Ltd | PocketGuard, Inc. |
| Pricing | Freemium | Paid |
| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). |
| Read-only variant documented | no | yes |
| llms.txt | yes | no |
| Last release | 2026-10-12 | 2026-10-06 |
| Terms last updated | no date given | 2024-11-26 |
| Privacy policy last updated | no date given | 2025-05-12 |