{
  "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": "Snoop scores 26.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 4 of 7 scored categories. Emma leads on schema \u0026 documentation.",
    "b": {
      "slug": "snoop",
      "name": "Snoop",
      "vendor": "Usnoop Limited",
      "vendorUrl": "https://snoop.app",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.",
      "url": "https://www.anchorterminal.com/tools/snoop",
      "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json",
      "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).",
      "pricing": "freemium",
      "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "status-page"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 26.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1027,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 3,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 58
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.",
        "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "strengths": [
          "Free to use, with Snoop Plus priced on the site.",
          "Status page with no incident from 16 July to 14 October 2026.",
          "Processors named with data locations in the privacy policy.",
          "Responsible disclosure address with a published GPG key."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "No retention periods in the privacy policy, and aggregated market research is sold.",
          "Terms and privacy policy carry no dates.",
          "No bug bounty or named security certification."
        ],
        "agentNotes": [
          "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.",
          "For a business data arrangement, the route is partnerships@snoop.app, not an API."
        ],
        "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": 26.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 48
        },
        "provenanceScore": 67
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/snoop"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Usnoop Limited",
        "domain": "snoop.app",
        "domainRegistered": "2018-05-08",
        "endpointOnVendorDomain": null,
        "terms": "https://snoop.app/terms/",
        "privacy": "https://snoop.app/privacy-policy/",
        "statusPage": "https://snoopstatus.statuspage.io",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.",
          "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.",
          "The status page is a Statuspage site with app, account-linking and per-bank components.",
          "RDAP gives a registration date of 2018-05-08 for snoop.app."
        ],
        "score": 67
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json",
      "live": {
        "slug": "snoop",
        "vendorStatus": {
          "page": "https://snoopstatus.statuspage.io",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:41.423456754Z"
        },
        "updatedAt": "2026-10-14T09:39:41.423456754Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Emma Technologies Ltd",
        "b": "Usnoop Limited",
        "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 Snoop's terms and conditions (Usnoop Limited)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-09-30",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "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": "not found in the text",
        "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": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Snoop scores 26.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 4 of 7 scored categories. Emma leads on schema \u0026 documentation.",
        "question": "Which is better for AI agents, Emma or Snoop?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0"
        ],
        "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, 60 against 15",
          "Security \u0026 auth, 6 against 0",
          "Transparency \u0026 trust, 58 against 49"
        ],
        "also": null,
        "goodFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "slug": "snoop",
        "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-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-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/hiatus-vs-snoop.json",
        "title": "Hiatus vs Snoop",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-snoop"
      },
      {
        "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/rocket-money-vs-snoop.json",
        "title": "Rocket Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-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-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/pocketguard-vs-snoop.json",
        "title": "PocketGuard vs Snoop",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop"
      },
      {
        "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/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-snoop.json",
        "title": "Plum vs Snoop",
        "url": "https://www.anchorterminal.com/compare/plum-vs-snoop"
      }
    ],
    "scores": [
      {
        "by": 45,
        "edge": "snoop",
        "emma": 15,
        "key": "reliability",
        "name": "Reliability",
        "snoop": 60,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "emma",
        "emma": 10,
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "emma": 0,
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "snoop",
        "emma": 0,
        "key": "security",
        "name": "Security \u0026 auth",
        "snoop": 6,
        "weight": 14
      },
      {
        "by": 0,
        "edge": "",
        "emma": 30,
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "snoop": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 1,
        "edge": "snoop",
        "emma": 54,
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "snoop": 55,
        "weight": 7
      },
      {
        "by": 9,
        "edge": "snoop",
        "emma": 49,
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "snoop": 58,
        "weight": 7
      }
    ],
    "summary": "Snoop scores 26.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 4 of 7 scored categories. Emma leads on schema \u0026 documentation. 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.",
      "snoop": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/emma-vs-snoop",
    "json": "https://www.anchorterminal.com/compare/emma-vs-snoop.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/emma-vs-snoop.md",
    "slim": "https://www.anchorterminal.com/compare/emma-vs-snoop.min.md"
  },
  "markdown": "Snoop scores 26.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 4 of 7 scored categories. Emma leads on schema \u0026 documentation. 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- Snoop: grade F, 26.7/100, rank #1027 of 1076. Markdown https://www.anchorterminal.com/tools/snoop.md · JSON https://www.anchorterminal.com/api/v1/tools/snoop.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\nWatch for: No public API or MCP server an outside agent can call.\n\n### Snoop (F)\n\nGood for: UK users who want bills and subscriptions watched and savings suggested at no cost.\n\nAhead on:\n- Reliability, 60 against 15\n- Security \u0026 auth, 6 against 0\n- Transparency \u0026 trust, 58 against 49\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 | Snoop | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 60 | Snoop +45 |\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 | 6 | Snoop +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 30 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 54 | 55 | Snoop +1 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 49 | 58 | Snoop +9 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17.4 · F** | **26.7 · F** | |\n\n## Facts side by side\n\n| Fact | Emma | Snoop |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Emma Technologies Ltd | Usnoop Limited |\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 Snoop's terms and conditions (Usnoop Limited) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | 2026-09-30 |\n| Terms last updated | no date given | no date given |\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 | not found in the text |\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 | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\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**Snoop.** Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.\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### Snoop\n\n1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.\n2. For a business data arrangement, the route is partnerships@snoop.app, not an API.\n\n## Questions\n\n### Which is better for AI agents, Emma or Snoop?\n\nSnoop scores 26.7 (F) on agent readiness against Emma's 17.4 (F), and leads in 4 of 7 scored categories. Emma leads on schema \u0026 documentation.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/emma-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/emma-vs-snoop.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"emma\", \"b\": \"snoop\"}`. From a terminal: `anchor compare emma snoop`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/emma.json and https://www.anchorterminal.com/api/v1/tools/snoop.json\n\n## Other comparisons with Emma or Snoop\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 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- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.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- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)\n- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n",
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    "description": "Snoop scores 26.7 (F) to Emma's 17.4 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
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