{
  "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": "Quicken Simplifi scores 20.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Emma leads on schema \u0026 documentation and payments \u0026 pricing.",
    "b": {
      "slug": "quicken-simplifi",
      "name": "Quicken Simplifi",
      "vendor": "Quicken Inc.",
      "vendorUrl": "https://www.quicken.com/products/simplifi/",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Quicken Simplifi is a subscription personal finance app for web, iOS and Android. It connects bank, card and investment accounts to track spending, bills and subscriptions, build a spending plan, set savings goals and project cash flow.",
      "url": "https://www.anchorterminal.com/tools/quicken-simplifi",
      "markdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json",
      "license": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Quicken ID with a password and the multi-factor authentication Quicken sets, used in the Simplifi web and mobile apps. Financial institutions are connected inside the app (https://www.quicken.com/about-us/terms/simplifi-and-lifehub/).",
      "pricing": "paid",
      "pricingNotes": "Billed annually. The product page shows $3.99 a month against a regular $6.99, as a first-year offer for new members ordering from Quicken by 6 November 2026, renewing at the then-current rate (https://www.quicken.com/products/simplifi/). The US App Store lists a Simplifi annual plan at $84.99 and a monthly subscription at $9.99 (https://apps.apple.com/us/app/id1449777194). No free plan; the terms give a full refund on cancellation within 30 days of the first subscription period and say free trials may be offered from time to time.",
      "priceSummary": "$3.99 / mo",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on the Simplifi product page, the terms or the privacy statement (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.budgets",
        "finance.bills",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "paid",
        "ios",
        "android",
        "status-page"
      ],
      "lastRelease": "2026-10-07",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 20.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1037,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 4,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 58,
          "payments": 10,
          "reliability": 50,
          "schema": 0,
          "security": 0,
          "transparency": 50
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.",
        "bestFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.",
        "strengths": [
          "16 iOS releases between 22 July and 7 October 2026.",
          "Status page at status.quicken.com with a simplifi.quicken.com component.",
          "Full refund on cancellation within 30 days of the first subscription period, per the terms."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call; a staff forum reply says none is planned.",
          "The terms forbid scraping, crawling and access by any means other than Quicken's supported interfaces.",
          "No free plan, and the advertised $3.99 is a first-year offer billed annually.",
          "No security contact, disclosure policy or named subprocessors found."
        ],
        "agentNotes": [
          "Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.",
          "Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces."
        ],
        "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": 20.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 58,
          "payments": 10,
          "reliability": 50,
          "schema": 0,
          "security": 0,
          "transparency": 32
        },
        "provenanceScore": 68
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/quicken-simplifi"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "Simplifi, annual billing, first-year offer",
          "unit": "month",
          "usd": 3.99,
          "note": "billed annually, regular $6.99 a month, offer to 6 November 2026"
        },
        {
          "item": "Simplifi monthly subscription, App Store",
          "unit": "month",
          "usd": 9.99,
          "note": "US App Store in-app purchase"
        }
      ],
      "provenance": {
        "legalEntity": "Quicken Inc.",
        "domain": "quicken.com",
        "domainRegistered": "1995-06-13",
        "endpointOnVendorDomain": null,
        "terms": "https://www.quicken.com/about-us/terms/simplifi-and-lifehub/",
        "privacy": "https://www.quicken.com/privacy-us/us/",
        "statusPage": "https://status.quicken.com",
        "changelog": "",
        "securityTxt": "unknown",
        "checked": "2026-10-14",
        "notes": [
          "The Simplifi and LifeHub Terms of Use (updated 30 July 2025) are between the user and Quicken Inc. The US Privacy Statement was last updated 4 September 2025.",
          "www.quicken.com/.well-known/security.txt answered 403 Forbidden, as did /security and /llms.txt, so whether a security.txt exists couldn't be read.",
          "status.quicken.com is a Status.io page whose history lists only planned maintenance, the latest on 15 April 2026.",
          "RDAP gives a registration date of 1995-06-13 for quicken.com."
        ],
        "score": 68
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.json",
      "live": {
        "slug": "quicken-simplifi",
        "vendorStatus": {
          "page": "https://status.quicken.com",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-14T08:53:50.186645409Z"
        },
        "updatedAt": "2026-10-14T08:53:50.186645409Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Emma Technologies Ltd",
        "b": "Quicken 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": "Paid",
        "name": "Pricing"
      },
      {
        "a": "not published",
        "b": "$9.99 per month (plan)",
        "name": "Price for subscription tracking"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under Emma's terms and conditions (Emma Technologies Ltd)",
        "b": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-10-07",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "2025-07-30",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "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": "Quicken Simplifi scores 20.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Emma leads on schema \u0026 documentation and payments \u0026 pricing.",
        "question": "Which is better for AI agents, Emma or Quicken Simplifi?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 30 against 10"
        ],
        "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": [
          "Reliability, 50 against 15"
        ],
        "also": null,
        "goodFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.",
        "slug": "quicken-simplifi",
        "watchFor": "No public API or MCP server an outside agent can call; a staff forum reply says none is planned."
      }
    ],
    "job": {
      "capability": "finance.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-hiatus.json",
        "title": "Emma vs Hiatus",
        "url": "https://www.anchorterminal.com/compare/emma-vs-hiatus"
      },
      {
        "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-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-quicken-simplifi.json",
        "title": "Hiatus vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.json",
        "title": "Quicken Simplifi vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "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/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-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/emma-vs-ynab.json",
        "title": "Emma vs YNAB",
        "url": "https://www.anchorterminal.com/compare/emma-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json",
        "title": "PocketGuard vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
      },
      {
        "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/emma-vs-plum.json",
        "title": "Emma vs Plum",
        "url": "https://www.anchorterminal.com/compare/emma-vs-plum"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.json",
        "title": "Plum vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi"
      }
    ],
    "scores": [
      {
        "by": 35,
        "edge": "quicken-simplifi",
        "emma": 15,
        "key": "reliability",
        "name": "Reliability",
        "quicken-simplifi": 50,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "emma",
        "emma": 10,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "key": "security",
        "name": "Security \u0026 auth",
        "quicken-simplifi": 0,
        "weight": 14
      },
      {
        "by": 20,
        "edge": "emma",
        "emma": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "quicken-simplifi": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 4,
        "edge": "quicken-simplifi",
        "emma": 54,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "quicken-simplifi": 58,
        "weight": 7
      },
      {
        "by": 1,
        "edge": "quicken-simplifi",
        "emma": 49,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "quicken-simplifi": 50,
        "weight": 7
      }
    ],
    "summary": "Quicken Simplifi scores 20.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Emma leads on schema \u0026 documentation and payments \u0026 pricing. 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.",
      "quicken-simplifi": "Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi",
    "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md",
    "slim": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.min.md"
  },
  "markdown": "Quicken Simplifi scores 20.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Emma leads on schema \u0026 documentation and payments \u0026 pricing. 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- Quicken Simplifi: grade F, 20.7/100, rank #1037 of 1076. Markdown https://www.anchorterminal.com/tools/quicken-simplifi.md · JSON https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.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 10\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### Quicken Simplifi (F)\n\nGood for: US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.\n\nAhead on:\n- Reliability, 50 against 15\n\nWatch for: No public API or MCP server an outside agent can call; a staff forum reply says none is planned.\n\n\n## Score by category\n\n| Category | Weight | Emma | Quicken Simplifi | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 50 | Quicken Simplifi +35 |\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 | 10 | Emma +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 54 | 58 | Quicken Simplifi +4 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 50 | Quicken Simplifi +1 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17.4 · F** | **20.7 · F** | |\n\n## Facts side by side\n\n| Fact | Emma | Quicken Simplifi |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Emma Technologies Ltd | Quicken Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Paid |\n| Price for subscription tracking | not published | $9.99 per month (plan) |\n| x402 | no | no |\n| Licence | Closed service under Emma's terms and conditions (Emma Technologies Ltd) | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | 2026-10-07 |\n| Terms last updated | no date given | 2025-07-30 |\n| Privacy policy last updated | no date given | no date given |\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**Quicken Simplifi.** Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.\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### Quicken Simplifi\n\n1. Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.\n2. Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces.\n\n## Questions\n\n### Which is better for AI agents, Emma or Quicken Simplifi?\n\nQuicken Simplifi scores 20.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 3 of 7 scored categories. Emma leads on schema \u0026 documentation and payments \u0026 pricing.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json, and with the fewest tokens: https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"emma\", \"b\": \"quicken-simplifi\"}`. From a terminal: `anchor compare emma quicken-simplifi`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/emma.json and https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json\n\n## Other comparisons with Emma or Quicken Simplifi\n\n- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.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 Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)\n- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)\n",
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    "description": "Quicken Simplifi scores 20.7 (F) to Emma's 17.4 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Emma vs Quicken Simplifi for AI agents in 2026: scores and prices",
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