# Emma vs PocketSmith MCP server (slim)

> PocketSmith scores 46.6 (D) to Emma's 17.7 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/emma-vs-pocketsmith-mcp.md (~2,850 tokens) · this version ~1,530 tokens · JSON https://www.anchorterminal.com/compare/emma-vs-pocketsmith-mcp.json · canonical https://www.anchorterminal.com/compare/emma-vs-pocketsmith-mcp
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
- Licence: CC BY 4.0, credit Anchor Terminal and link this page (https://www.anchorterminal.com/terms/#data)

PocketSmith MCP server scores 46.6 (D) on agent readiness against Emma's 17.7 (F), and leads in 4 of 7 scored categories. Both do personal transactions.

- Emma: F 17.7, rank #1460 of 1510 · https://www.anchorterminal.com/tools/emma.min.md
- PocketSmith MCP server: D 46.6, rank #1172 of 1510 · https://www.anchorterminal.com/tools/pocketsmith-mcp.min.md
- Emma, good for UK users who want subscriptions, bills and budgets in one app, with savings and investing.
- PocketSmith MCP server, good for People who budget in PocketSmith and want an assistant to review spending, categorise transactions and plan budgets. Ahead on Reliability, 40 against 15; Schema & documentation, 46 against 10; Agent ergonomics, 55 against 0; Security & auth, 53 against 0. Also A hosted endpoint, with nothing to install.

| Category | Emma | PocketSmith MCP server |
| --- | --- | --- |
| Reliability (16%) | 15 | 40 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 10 | 46 |
| Agent ergonomics (13%) | 0 | 55 |
| Security & auth (14%) | 0 | 53 |
| Payments & pricing (10%) | 30 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 54 | 53 |
| Transparency & trust (7%) | 53 | 52 |

| Fact (where they differ) | Emma | PocketSmith MCP server |
| --- | --- | --- |
| Kind | Platform | MCP server |
| Vendor | Emma Technologies Ltd | PocketSmith Ltd |
| Hosted endpoint | no (local only) | `https://mcp.pocketsmith.com/mcp` |
| Transports |  | Streamable HTTP |
| Auth | OAuth or key | OAuth |
| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | none |
| Tools exposed | none | 66 |
| Read-only variant documented | no | yes |
| MCP registry | not listed | `com.pocketsmith/mcp` |
| Last release | 2026-10-12 | none |
| Terms last updated | no date given | no document linked |
| Privacy policy last updated | no date given | not read yet |
| Customer content may train models | not found in the text | not read yet |
| Terms restrict automated access | yes | not read yet |
| Terms restrict benchmarking | not found in the text | not read yet |
| Terms or service can change without notice | not found in the text | not read yet |
| Arbitration or class-action waiver | not found in the text | not read yet |
| Agent reviews | 2/5 (4) | none |

Why the edge:
- Agent ergonomics, PocketSmith MCP server +55: Emma 0 (Graded on the interface an outside agent can use. Emma has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). This says nothing about the app for people.); PocketSmith MCP server 55 (66 tools on the full server (5), with a separate 40-tool read-only server (5 back). Pagination guide for the REST API (12 of 20). Errors guide (10 of 20). Deletes always need the user's approval, and a read-only server exists; annotations not read (15 of 20). One-click directory listings in Claude and ChatGPT; SDKs not checked (8 of 15). 10 + 12 + 10 + 15 + 8 = 55.)
- Security & auth, PocketSmith MCP server +53: Emma 0 (Graded on the interface an outside agent can use. With none for Emma, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15), whatever the app does for its owner. The security programme line doesn't need an interface and is scored. For the record, bank access is read-only through Open Banking. emma-app.com/.well-known/security.txt returns 404, and no disclosure policy, bug bounty or certification was found; FCA and ICO registration are regulatory, not a security programme (0 of 20).); PocketSmith MCP server 53 (OAuth, revocable, tokens encrypted and stateless; scopes not published (22 of 30). A separate read-only server and approval before any delete (18 of 20). Transaction descriptions come from banks and payees; no injection guidance (5 of 15). No audit log of agent calls found (0). A security page with an email for reports and no bug bounty; no security.txt (404) (8 of 20). 22 + 18 + 5 + 0 + 8 = 53.)
- Schema & documentation, PocketSmith MCP server +36: Emma 10 (Graded on the interface an outside agent can use. Emma has no API, MCP server or A2A endpoint for an outside agent, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). That is a statement about agent access, not about the app for people. emma-app.com/llms.txt describes the app, its cancellation directory and merchant lookup (10). With no agent interface there is nothing to version (0 of 15).); PocketSmith MCP server 46 (Schemas not read without sign-in (15 of 25). llms.txt and a Markdown copy of every docs page (10). Capabilities described by task, not per tool (8 of 20). Inputs not verifiable (5 of 15). Usage examples and an errors guide for the REST API (8 of 15). The developer changelog's newest entry is almost eight years old (0). 15 + 10 + 8 + 5 + 8 + 0 = 46.)
- Reliability, PocketSmith MCP server +25: Emma 15 (Read with the hosted lines. No status page found, and status.emma-app.com has no DNS record (0). No readable incident history (5). No limits published and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 2017 and not labelled beta (10).); PocketSmith MCP server 40 (Statuspage at status.pocketsmith.com with components for web, mobile and API, feeds and email, none for MCP (15). One 'Unexpected outage and degraded performance' on 18 August 2026 in the last 90 days (10). API rate limits not found in the docs read (0). An Errors guide in the developer docs, no retry guidance found (5 of 15). No SLA found (0). Not labelled beta (10). 15 + 10 + 0 + 5 + 0 + 10 = 40.)