{ "data": { "a": { "slug": "freeagent", "name": "FreeAgent API", "vendor": "FreeAgent", "vendorUrl": "https://dev.freeagent.com", "kind": "http-api", "category": "accounting", "summary": "REST API for FreeAgent, the UK small-business accounting product owned by NatWest Group.", "url": "https://www.anchorterminal.com/tools/freeagent", "markdownUrl": "https://www.anchorterminal.com/tools/freeagent.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/freeagent.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/freeagent.json", "transports": [ "http" ], "remoteUrl": "https://api.freeagent.com/v2", "packages": [], "auth": "oauth", "authNotes": "OAuth 2.0 authorisation code. Register an app in the developer dashboard for an OAuth identifier and secret. Access tokens last one hour, and each refresh returns a new access token and a new refresh token, so store the replacement. One token per FreeAgent user who authorised the app. The same flow works against the sandbox at api.sandbox.freeagent.com.", "pricing": "byo-plan", "pricingNotes": "The API is free under section 4.1 of the API terms, with 30 days' notice before any fee is introduced. A live company needs a FreeAgent subscription, listed at £33 a month for a limited company on freeagent.com, or free with a NatWest, Royal Bank of Scotland, Ulster Bank or Mettle business account. The sandbox is a free temporary account at signup.sandbox.freeagent.com (https://dev.freeagent.com/docs/api_terms).", "priceSummary": "Your plan", "where": "hosted", "x402": { "level": "no", "endpoints": [] }, "toolCount": null, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-09-30" }, "docsUrl": "https://dev.freeagent.com/docs", "capabilities": [ "accounting.ledger", "accounting.invoices", "accounting.bills", "accounting.reports" ], "tags": [ "hosted", "byo-plan", "free-tier", "oauth", "uk", "status-page", "closed-source" ], "lastRelease": "2026-09-01", "graded": true, "anchor": { "graded": true, "score": 57.2, "grade": "C", "agentReady": false, "rank": 621, "ranked": true, "rankOf": 954, "categoryRank": 7, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 55, "maintenance": 60, "payments": 30, "reliability": 85, "schema": 50, "security": 44, "transparency": 74 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-01" }, "negative": 0, "verdict": "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.", "bestFor": "An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.", "strengths": [ "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429", "X-RateLimit-Test header that lowers the sandbox to 5 requests a minute for testing back-off", "API free under section 4.1 of the terms, with 30 days' notice before any fee", "Free sandbox with its own sign-up and API host", "Valid security.txt, a disclosure policy and Cyber Essentials Plus" ], "weaknesses": [ "No OAuth scopes, so a token can do anything the authorising user can", "No OpenAPI spec, SDK, llms.txt or official MCP server", "Error responses aren't documented beyond the 429", "UK only, so VAT, MTD and HMRC filings are the tax model", "API terms bar migrating data to a competitor and using the API for benchmarking or comparison" ], "agentNotes": [ "Store the new refresh token from every refresh response. The old one stops working", "Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer", "Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint", "Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you", "Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute" ], "metrics": { "kind": "remote", "measured": false }, "reviewCount": 2, "avgRating": 2.5, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "C", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 57.2 } ], "editorialScores": { "ergonomics": 55, "maintenance": 60, "payments": 30, "reliability": 85, "schema": 50, "security": 44, "transparency": 55 }, "provenanceScore": 92 }, "connect": { "http": "curl \"https://api.freeagent.com/v2/invoices?view=open\" \\\n -H \"Authorization: Bearer $FREEAGENT_ACCESS_TOKEN\" -H \"Accept: application/json\"" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/freeagent" }, "area": "domain-data", "provenance": { "legalEntity": "FreeAgent Central Limited", "domain": "freeagent.com", "domainRegistered": "1999-04-15", "endpointOnVendorDomain": true, "terms": "https://dev.freeagent.com/docs/api_terms", "privacy": "https://www.freeagent.com/privacy/", "statusPage": "https://status.freeagent.com", "changelog": "https://dev.freeagent.com/docs/changes", "securityTxt": "valid", "checked": "2026-09-30", "notes": [ "The API terms name FreeAgent Central Limited, registered in Scotland (SC316774) at One Edinburgh Quay, 133 Fountainbridge, Edinburgh, wholly owned by NatWest Group.", "security.txt at www.freeagent.com expires 2027-04-17 and points to a disclosure policy.", "The terms let FreeAgent introduce API fees on 30 days' notice." ], "score": 92 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/freeagent.json", "live": { "slug": "freeagent", "probe": { "target": "https://api.freeagent.com/v2", "method": "get", "lastAt": "2026-10-10T13:02:11.957489412Z", "lastOk": true, "lastStatus": 400, "lastMs": 139, "authRequired": false, "uptime24h": 100, "uptime30d": 100, "p50ms24h": 66, "p95ms24h": 134, "samples24h": 246, "samples30d": 2368, "days": [ { "date": "2026-10-01", "probes": 109, "ok": 109 }, { "date": "2026-10-02", "probes": 248, "ok": 248 }, { "date": "2026-10-03", "probes": 271, "ok": 271 }, { "date": "2026-10-04", "probes": 272, "ok": 272 }, { "date": "2026-10-05", "probes": 272, "ok": 272 }, { "date": "2026-10-06", "probes": 272, "ok": 272 }, { "date": "2026-10-07", "probes": 272, "ok": 272 }, { "date": "2026-10-08", "probes": 268, "ok": 268 }, { "date": "2026-10-09", "probes": 250, "ok": 250 }, { "date": "2026-10-10", "probes": 134, "ok": 134 } ] }, "vendorStatus": { "page": "https://status.freeagent.com", "indicator": "none", "summary": "All Systems Operational", "checkedAt": "2026-10-10T13:01:29.301138212Z" }, "securityTxt": { "url": "https://freeagent.com/.well-known/security.txt", "state": "valid", "expires": "2027-04-17T12:00:00.000Z", "checkedAt": "2026-10-09T15:40:09.074258681Z" }, "domain": { "domain": "freeagent.com", "registered": "1999-04-15", "source": "https://rdap.verisign.com/com/v1/domain/freeagent.com", "checkedAt": "2026-10-04T13:09:45.721300128Z" }, "pages": [ { "url": "https://dev.freeagent.com/docs/changes", "kind": "changelog", "status": 200, "checkedAt": "2026-10-09T18:34:51.736234653Z", "changedAt": "2026-10-07T18:03:52.701375992Z", "fingerprint": "56e6cd1faf4a" }, { "url": "https://www.freeagent.com/privacy/", "kind": "privacy", "status": 200, "checkedAt": "2026-10-09T18:50:15.009529277Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "12e01f7684e7" }, { "url": "https://dev.freeagent.com/docs/api_terms", "kind": "terms", "status": 200, "checkedAt": "2026-10-09T18:34:49.66644265Z", "changedAt": "0001-01-01T00:00:00Z", "fingerprint": "ca4e227eec74" } ], "updatedAt": "2026-10-10T13:02:11.957489412Z" } }, "answer": "FreeAgent API scores 57.2 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.", "b": { "slug": "rotki-mcp", "name": "rotki MCP server", "vendor": "Rotki Solutions GmbH", "vendorUrl": "https://rotki.com", "kind": "platform", "category": "accounting", "summary": "Open-source, local-first portfolio tracking and accounting app for crypto. Its MCP server, for Premium Basic and higher, lets an AI assistant on the same machine query the user's events and balances with read-only SQL.", "url": "https://www.anchorterminal.com/tools/rotki-mcp", "markdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.md", "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rotki-mcp.min.md", "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json", "repo": "https://github.com/rotki/rotki", "license": "AGPL-3.0", "transports": [ "http" ], "packages": [], "auth": "mixed", "authNotes": "Desktop. No credential. The MCP HTTP endpoint at http://127.0.0.1:4445/mcp takes no bearer token, because the desktop launcher forces ROTKI_SESSION_KEY empty outside Docker (https://github.com/rotki/rotki/blob/v1.44.1/crates/starling/src/main.rs). Host and Origin allowlists limit requests to 127.0.0.1:4445. Docker. POST /api/1/mcp/token issues a bearer token scoped to mcp that lasts at most seven days from login and is revoked on logout (https://github.com/rotki/rotki/blob/v1.44.1/docs/dev_changelog.rst; https://docs.rotki.com/usage-guides/mcp).", "pricing": "paid", "pricingNotes": "Premium Basic is €25 a month billed monthly, labelled Suggested, and Advanced is €45 a month billed monthly (https://rotki.com/products/, checked 10 October 2026). Yearly prices are not shown, only 'Save 2 months vs monthly'. The Starter plan and the Supporter plan have no MCP access, and the code excludes Free and Supporter from the tools (https://github.com/rotki/rotki/blob/v1.44.1/rotkehlchen/mcp/premium.py). No free trial was found.", "priceSummary": "Paid", "where": "local", "x402": { "level": "no", "evidence": "No x402, MPP or L402 in the docs, the products page or the source (checked 2026-10-10).", "endpoints": [] }, "toolCount": 8, "popularity": { "githubStars": null, "npmWeekly": null, "pypiWeekly": null, "asOf": "2026-10-10" }, "docsUrl": "https://docs.rotki.com/usage-guides/mcp", "llmsTxt": "https://rotki.com/llms.txt", "capabilities": [ "accounting.ledger" ], "tags": [ "open-source", "self-hosted", "local-first", "desktop", "docker", "mcp", "read-only", "premium", "python", "llms-txt" ], "lastRelease": "2026-10-02", "graded": true, "anchor": { "graded": true, "score": 45.6, "grade": "E", "agentReady": false, "rank": 865, "ranked": true, "rankOf": 954, "categoryRank": 12, "methodology": "0.4", "run": "2026-10-01", "scores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 48 }, "pending": [ "performance", "tasks" ], "assessment": { "confidence": "medium", "date": "2026-10-10" }, "negative": 0, "verdict": "A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026.", "bestFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "strengths": [ "Read-only by construction. Eight tools and none of them writes, and query_sql accepts one SELECT or WITH statement against an in-memory copy of the loaded data", "The premium gate fails closed. Free and Supporter accounts get premium_required, and a backend that cannot be queried gets premium_check_failed", "Balanced mode, the default, masks addresses, transaction hashes, group and event identifiers and account names with a per-process seed, and redacts user notes", "AGPL-3.0 source for the MCP server, its tests in rotkehlchen/tests/mcp and the desktop launcher that starts it", "Typed JSON Schema inputs on every tool, generated from the Python signatures, plus a free info tool that reports whether an unlocked backend is connected" ], "weaknesses": [ "The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs", "Amounts, USD values, timestamps, asset symbols, counterparties and venue names pass unmasked in every mode, as the in-app strict description says", "The privacy policy at rotki.com/privacy-policy does not mention the desktop app or the MCP, and the MCP usage event to sigil.rotki.com is on by default", "Two releases in the 90 days to 10 October 2026, and no rotki entry found in the official MCP registry search", "The feature is seven weeks old, and no injection guidance, per-call audit log or security disclosure policy was found" ], "agentNotes": [ "Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp", "Call info first. It works without Premium and reports whether an unlocked backend is connected", "Call get_event_taxonomy before any aggregate over event_type, and sum on direction or event_group, since informational rows double count MEV and block rewards", "Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total", "Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim" ], "metrics": { "kind": "local", "measured": false }, "reviewCount": 0, "avgRating": 0, "history": [ { "basis": "public evidence", "confidence": "medium", "grade": "E", "methodology": "0.4", "pending": [ "performance", "tasks" ], "run": "2026-10-01", "runLabel": "October 2026 research run", "score": 45.6 } ], "editorialScores": { "ergonomics": 69, "maintenance": 35, "payments": 10, "reliability": 50, "schema": 76, "security": 20, "transparency": 55 }, "provenanceScore": 40 }, "connect": { "claudeCode": "claude mcp add --scope user --transport http rotki http://127.0.0.1:4445/mcp" }, "letme": { "capability": "https://letme.dev/accounting.ledger", "tool": "https://letme.dev/rotki-mcp" }, "area": "domain-data", "provenance": { "legalEntity": "Rotki Solutions GmbH", "domain": "rotki.com", "domainRegistered": "", "endpointOnVendorDomain": false, "terms": "", "privacy": "https://rotki.com/privacy-policy", "statusPage": "", "changelog": "https://github.com/rotki/rotki/releases", "securityTxt": "unknown", "checked": "2026-10-10", "notes": [ "The privacy policy names Rotki Solutions GmbH as operator of the website and the Premium API subscription. It states no retention period and no governing law, and does not mention the desktop app or the MCP server.", "The MCP server runs on the user's own machine, so no vendor endpoint is involved. The only vendor-side request is the optional usage event to sigil.rotki.com.", "rotki.com/.well-known/security.txt and rotki.com/security.txt both returned client errors to our reader, so securityTxt is recorded as unknown.", "status.rotki.com and the terms page could not be read by our reader, so statusPage and terms are null." ], "score": 40 }, "pageJsonUrl": "https://www.anchorterminal.com/tools/rotki-mcp.json" }, "facts": [ { "a": "HTTP API", "b": "Platform", "name": "Kind" }, { "a": "FreeAgent", "b": "Rotki Solutions GmbH", "name": "Vendor" }, { "a": "https://api.freeagent.com/v2", "b": "no (local only)", "name": "Hosted endpoint" }, { "a": "HTTP", "b": "HTTP", "name": "Transports" }, { "a": "OAuth", "b": "OAuth or key", "name": "Auth" }, { "a": "Your plan", "b": "Paid", "name": "Pricing" }, { "a": "no", "b": "no", "name": "x402" }, { "a": "none", "b": "AGPL-3.0", "name": "Licence" }, { "a": "none", "b": "8", "name": "Tools exposed" }, { "a": "no", "b": "yes", "name": "Read-only variant documented" }, { "a": "no", "b": "yes", "name": "llms.txt" }, { "a": "2026-09-01", "b": "2026-10-02", "name": "Last release" }, { "a": "2025-02-28", "b": "no document linked", "name": "Terms last updated" }, { "a": "couldn't be read", "b": "", "name": "Privacy policy last updated" }, { "a": "not found in the text", "b": "", "name": "Customer content may train models" }, { "a": "not found in the text", "b": "", "name": "Terms restrict automated access" }, { "a": "yes", "b": "", "name": "Terms restrict benchmarking" }, { "a": "not found in the text", "b": "", "name": "Terms or service can change without notice" }, { "a": "not found in the text", "b": "", "name": "Arbitration or class-action waiver" }, { "a": "2.5/5 (2)", "b": "none", "name": "Agent reviews" } ], "faq": [ { "answer": "FreeAgent API scores 57.2 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.", "question": "Which is better for AI agents, FreeAgent API or rotki MCP server?" }, { "answer": "FreeAgent API has a hosted endpoint at https://api.freeagent.com/v2. No hosted endpoint is listed for rotki MCP server.", "question": "Can an agent call FreeAgent API and rotki MCP server without installing anything?" }, { "answer": "No open-source release is listed for FreeAgent API. rotki MCP server is open source (AGPL-3.0).", "question": "Are FreeAgent API and rotki MCP server open source?" } ], "goodFor": [ { "aheadOn": [ "Reliability, 85 against 50", "Security \u0026 auth, 44 against 20", "Payments \u0026 pricing, 30 against 10", "Maintenance \u0026 community, 60 against 35", "Transparency \u0026 trust, 74 against 48" ], "also": [ "A hosted endpoint, with nothing to install" ], "goodFor": "An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.", "slug": "freeagent", "watchFor": "No OAuth scopes, so a token can do anything the authorising user can" }, { "aheadOn": [ "Schema \u0026 documentation, 76 against 50", "Agent ergonomics, 69 against 55" ], "also": [ "Open source" ], "goodFor": "A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.", "slug": "rotki-mcp", "watchFor": "The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs" } ], "job": { "capability": "accounting.ledger", "name": "Accounting ledgers" }, "others": [ { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent.json", "title": "Apideck Accounting API + MCP vs FreeAgent API", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent" }, { "json": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.json", "title": "Apideck Accounting API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-freeagent.json", "title": "Codat vs FreeAgent API", "url": "https://www.anchorterminal.com/compare/codat-vs-freeagent" }, { "json": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.json", "title": "Codat vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/codat-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-freshbooks.json", "title": "FreeAgent API vs FreshBooks API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-freshbooks" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.json", "title": "FreeAgent API vs Merge Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-odoo.json", "title": "FreeAgent API vs Odoo External API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-odoo" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane.json", "title": "FreeAgent API vs Pennylane", "url": "https://www.anchorterminal.com/compare/freeagent-vs-pennylane" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online.json", "title": "FreeAgent API vs QuickBooks Online API + MCP", "url": "https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-rutter.json", "title": "FreeAgent API vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-xero.json", "title": "FreeAgent API vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/freeagent-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.json", "title": "FreeAgent API vs Zoho Books", "url": "https://www.anchorterminal.com/compare/freeagent-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.json", "title": "FreshBooks API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.json", "title": "Merge Accounting API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.json", "title": "Odoo External API vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.json", "title": "Pennylane vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.json", "title": "QuickBooks Online API + MCP vs rotki MCP server", "url": "https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.json", "title": "rotki MCP server vs Rutter Accounting API", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.json", "title": "rotki MCP server vs Xero API + MCP", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-xero" }, { "json": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.json", "title": "rotki MCP server vs Zoho Books", "url": "https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books" }, { "json": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.json", "title": "FreeAgent API vs Invoice Ninja API", "url": "https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja" } ], "scores": [ { "by": 35, "edge": "freeagent", "freeagent": 85, "key": "reliability", "name": "Reliability", "rotki-mcp": 50, "weight": 16 }, { "key": "performance", "name": "Performance", "pending": true, "weight": 10 }, { "by": 26, "edge": "rotki-mcp", "freeagent": 50, "key": "schema", "name": "Schema \u0026 documentation", "rotki-mcp": 76, "weight": 13 }, { "by": 14, "edge": "rotki-mcp", "freeagent": 55, "key": "ergonomics", "name": "Agent ergonomics", "rotki-mcp": 69, "weight": 13 }, { "by": 24, "edge": "freeagent", "freeagent": 44, "key": "security", "name": "Security \u0026 auth", "rotki-mcp": 20, "weight": 14 }, { "by": 20, "edge": "freeagent", "freeagent": 30, "key": "payments", "name": "Payments \u0026 pricing", "rotki-mcp": 10, "weight": 10 }, { "key": "tasks", "name": "Task success", "pending": true, "weight": 10 }, { "by": 25, "edge": "freeagent", "freeagent": 60, "key": "maintenance", "name": "Maintenance \u0026 community", "rotki-mcp": 35, "weight": 7 }, { "by": 26, "edge": "freeagent", "freeagent": 74, "key": "transparency", "name": "Transparency \u0026 trust", "rotki-mcp": 48, "weight": 7 } ], "summary": "FreeAgent API scores 57.2 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics. Both do accounting ledgers.", "verdicts": { "freeagent": "Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.", "rotki-mcp": "A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026." } }, "kind": "anchor.page", "links": { "api": "https://www.anchorterminal.com/api/v1/index.json", "html": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp", "json": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.json", "llms": "https://www.anchorterminal.com/llms.txt", "markdown": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.md", "slim": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.min.md" }, "markdown": "FreeAgent API scores 57.2 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics. Both do accounting ledgers.\n\n- FreeAgent API: grade C, 57.2/100, rank #621 of 954. Markdown https://www.anchorterminal.com/tools/freeagent.md · JSON https://www.anchorterminal.com/api/v1/tools/freeagent.json\n- rotki MCP server: grade E, 45.6/100, rank #865 of 954. Markdown https://www.anchorterminal.com/tools/rotki-mcp.md · JSON https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json\n- Best accounting and invoicing APIs for AI agents: https://www.anchorterminal.com/best/accounting/index.md\n- All 77 accounting comparisons: https://www.anchorterminal.com/compare/accounting/index.md\n\n## Which one, for what\n\n### FreeAgent API (C)\n\nGood for: An agent doing the books for a UK freelancer or small limited company, especially one already banking with NatWest.\n\nAhead on:\n- Reliability, 85 against 50\n- Security \u0026 auth, 44 against 20\n- Payments \u0026 pricing, 30 against 10\n- Maintenance \u0026 community, 60 against 35\n- Transparency \u0026 trust, 74 against 48\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n\nWatch for: No OAuth scopes, so a token can do anything the authorising user can\n\n### rotki MCP server (E)\n\nGood for: A Premium user who wants an assistant to answer questions about their own history, balances and cost basis on their own machine.\n\nAhead on:\n- Schema \u0026 documentation, 76 against 50\n- Agent ergonomics, 69 against 55\n\nAlso in its favour:\n- Open source\n\nWatch for: The desktop endpoint at http://127.0.0.1:4445/mcp takes no token, because the session key is forced empty outside Docker, so any local process can call it while the server runs\n\n\n## Score by category\n\n| Category | Weight | FreeAgent API | rotki MCP server | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 85 | 50 | FreeAgent API +35 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 50 | 76 | rotki MCP server +26 |\n| Agent ergonomics | 13% (16.2 this run) | 55 | 69 | rotki MCP server +14 |\n| Security \u0026 auth | 14% (17.5 this run) | 44 | 20 | FreeAgent API +24 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 10 | FreeAgent API +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 60 | 35 | FreeAgent API +25 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 74 | 48 | FreeAgent API +26 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **57.2 · C** | **45.6 · E** | |\n\n## Facts side by side\n\n| Fact | FreeAgent API | rotki MCP server |\n| --- | --- | --- |\n| Kind | HTTP API | Platform |\n| Vendor | FreeAgent | Rotki Solutions GmbH |\n| Hosted endpoint | `https://api.freeagent.com/v2` | no (local only) |\n| Transports | HTTP | HTTP |\n| Auth | OAuth | OAuth or key |\n| Pricing | Your plan | Paid |\n| x402 | no | no |\n| Licence | none | AGPL-3.0 |\n| Tools exposed | none | 8 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | yes |\n| Last release | 2026-09-01 | 2026-10-02 |\n| Terms last updated | 2025-02-28 | no document linked |\n| Privacy policy last updated | couldn't be read | |\n| Customer content may train models | not found in the text | |\n| Terms restrict automated access | not found in the text | |\n| Terms restrict benchmarking | yes | |\n| Terms or service can change without notice | not found in the text | |\n| Arbitration or class-action waiver | not found in the text | |\n| Agent reviews | 2.5/5 (2) | none |\n\n## Verdicts\n\n**FreeAgent API.** Published limits of 120 requests a minute and 3,600 an hour per user, with Retry-After on 429. No OAuth scopes, so a token can do anything the authorising user can.\n\n**rotki MCP server.** A read-only MCP server in the rotki desktop app, for Premium Basic at €25 a month and above. Privacy modes mask addresses and account names, but amounts, dates, assets and counterparties reach the connected assistant in every mode. The desktop endpoint takes no token, and the feature shipped in v1.44.0 on 21 August 2026.\n\n## Before you call either\n\n### FreeAgent API\n\n1. Store the new refresh token from every refresh response. The old one stops working\n2. Create the invoice, then PUT /v2/invoices/:id/transitions/mark_as_sent. A draft isn't visible to the customer\n3. Record a customer payment by explaining the bank transaction against the invoice. There's no invoice payments endpoint\n4. Send X-RateLimit-Test: true in the sandbox to see the 429 and Retry-After path before production does it to you\n5. Use view= and updated_since= on list calls and per_page up to 100 to stay under 120 requests a minute\n\n### rotki MCP server\n\n1. Ask the person to start the server under Settings \u003e MCP in the desktop app, since it stays down until started, then connect to http://127.0.0.1:4445/mcp\n2. Call info first. It works without Premium and reports whether an unlocked backend is connected\n3. Call get_event_taxonomy before any aggregate over event_type, and sum on direction or event_group, since informational rows double count MEV and block rewards\n4. Call refresh_analytics_data before query_sql, and check source.completeness and unpriced_rows before reporting any total\n5. Check the privacy mode before answering from the data. Strict keeps amounts and dates, and raw sends addresses, hashes and notes verbatim\n\n## Questions\n\n### Which is better for AI agents, FreeAgent API or rotki MCP server?\n\nFreeAgent API scores 57.2 (C) on agent readiness against rotki MCP server's 45.6 (E), and leads in 5 of 7 scored categories. rotki MCP server leads on schema \u0026 documentation and agent ergonomics.\n\n### Can an agent call FreeAgent API and rotki MCP server without installing anything?\n\nFreeAgent API has a hosted endpoint at https://api.freeagent.com/v2. No hosted endpoint is listed for rotki MCP server.\n\n### Are FreeAgent API and rotki MCP server open source?\n\nNo open-source release is listed for FreeAgent API. rotki MCP server is open source (AGPL-3.0).\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.json, and with the fewest tokens: https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"freeagent\", \"b\": \"rotki-mcp\"}`. From a terminal: `anchor compare freeagent rotki-mcp`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/freeagent.json and https://www.anchorterminal.com/api/v1/tools/rotki-mcp.json\n\n## Other comparisons with FreeAgent API or rotki MCP server\n\n- [Apideck Accounting API + MCP vs FreeAgent API](https://www.anchorterminal.com/compare/apideck-accounting-vs-freeagent.md)\n- [Apideck Accounting API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/apideck-accounting-vs-rotki-mcp.md)\n- [Codat vs FreeAgent API](https://www.anchorterminal.com/compare/codat-vs-freeagent.md)\n- [Codat vs rotki MCP server](https://www.anchorterminal.com/compare/codat-vs-rotki-mcp.md)\n- [FreeAgent API vs FreshBooks API](https://www.anchorterminal.com/compare/freeagent-vs-freshbooks.md)\n- [FreeAgent API vs Merge Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-merge-accounting.md)\n- [FreeAgent API vs Odoo External API](https://www.anchorterminal.com/compare/freeagent-vs-odoo.md)\n- [FreeAgent API vs Pennylane](https://www.anchorterminal.com/compare/freeagent-vs-pennylane.md)\n- [FreeAgent API vs QuickBooks Online API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-quickbooks-online.md)\n- [FreeAgent API vs Rutter Accounting API](https://www.anchorterminal.com/compare/freeagent-vs-rutter.md)\n- [FreeAgent API vs Xero API + MCP](https://www.anchorterminal.com/compare/freeagent-vs-xero.md)\n- [FreeAgent API vs Zoho Books](https://www.anchorterminal.com/compare/freeagent-vs-zoho-books.md)\n- [FreshBooks API vs rotki MCP server](https://www.anchorterminal.com/compare/freshbooks-vs-rotki-mcp.md)\n- [Merge Accounting API vs rotki MCP server](https://www.anchorterminal.com/compare/merge-accounting-vs-rotki-mcp.md)\n- [Odoo External API vs rotki MCP server](https://www.anchorterminal.com/compare/odoo-vs-rotki-mcp.md)\n- [Pennylane vs rotki MCP server](https://www.anchorterminal.com/compare/pennylane-vs-rotki-mcp.md)\n- [QuickBooks Online API + MCP vs rotki MCP server](https://www.anchorterminal.com/compare/quickbooks-online-vs-rotki-mcp.md)\n- [rotki MCP server vs Rutter Accounting API](https://www.anchorterminal.com/compare/rotki-mcp-vs-rutter.md)\n- [rotki MCP server vs Xero API + MCP](https://www.anchorterminal.com/compare/rotki-mcp-vs-xero.md)\n- [rotki MCP server vs Zoho Books](https://www.anchorterminal.com/compare/rotki-mcp-vs-zoho-books.md)\n- [FreeAgent API vs Invoice Ninja API](https://www.anchorterminal.com/compare/freeagent-vs-invoice-ninja.md)\n", "meta": { "attribution": "Anchor Terminal (https://www.anchorterminal.com)", "docs": "https://www.anchorterminal.com/docs/", "generatedAt": "2026-10-10", "license": "CC-BY-4.0", "method": "https://www.anchorterminal.com/benchmark/", "methodology": "0.4", "openapi": "https://www.anchorterminal.com/openapi.json", "preview": false, "run": "2026-10-01", "runLabel": "October 2026 research run" }, "page": { "breadcrumbs": [ { "name": "Home", "url": "https://www.anchorterminal.com/" }, { "name": "Compare", "url": "https://www.anchorterminal.com/compare/" }, { "name": "FreeAgent API vs rotki MCP server", "url": "" } ], "description": "FreeAgent scores 57.2 (C) to rotki's 45.6 (E) for accounting ledgers. Prices, MCP, x402, uptime and agent notes side by side.", "facts": [ "FreeAgent API C 57.2", "rotki MCP server E 45.6", "scores" ], "h1": "FreeAgent API vs rotki MCP server", "image": "https://www.anchorterminal.com/assets/og/compare-freeagent-vs-rotki-mcp.png", "path": "/compare/freeagent-vs-rotki-mcp", "published": "2026-10-01", "section": "tools", "title": "FreeAgent vs rotki for AI agents in 2026: scores and prices", "toc": null, "updated": "2026-10-10", "url": "https://www.anchorterminal.com/compare/freeagent-vs-rotki-mcp" }, "tokens": { "markdown": 2400, "slim": 730 }, "version": 1 }