Head to head · Personal transactions · October 2026 research run
Hiatus vs Plum
Plum scores 27.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 5 of 7 scored categories. Both do personal transactions.
Best subscription, bill and budgeting tools for AI agents · All 43 personal finance comparisons
Which one, for what
Hiatus F
Best for People who want subscriptions found and bills negotiated for them.
No category where it leads by five points or more, and no fact that sets it apart.
Watch for
No public API or MCP server an outside agent can call.
Plum F
Best for UK and European users who want saving and investing automated from their spending.
Ahead on
- Reliability, 60 against 15
- Schema & documentation, 10 against 0
- Payments & pricing, 30 against 20
- Transparency & trust, 58 against 47
Watch for
No public API or MCP server an outside agent can call.
Score by category
| Category | Weight this run | Hiatus | Plum | Edge |
|---|---|---|---|---|
| Reliability | 16%20 | 15 | 60 | Plum +45 |
| Performance | 10%pending | pending | pending | not scored in this run |
| Schema & documentation | 13%16.2 | 0 | 10 | Plum +10 |
| Agent ergonomics | 13%16.2 | 0 | 0 | even |
| Security & auth | 14%17.5 | 0 | 0 | even |
| Payments & pricing | 10%12.5 | 20 | 30 | Plum +10 |
| Task success | 10%pending | pending | pending | not scored in this run |
| Maintenance & community | 7%8.8 | 54 | 56 | Plum +2 |
| Transparency & trust | 7%8.8 | 47 | 58 | Plum +11 |
| Negative events | ≤15 | 0 | 0 | |
| Total | F 14.3/100 | F 27.4/100 |
Facts side by side
| Fact | Hiatus | Plum |
|---|---|---|
| Kind | Platform | Platform |
| Vendor | Hiatus Inc. | Plum Fintech Limited |
| Hosted endpoint | no (local only) | no (local only) |
| Transports | ||
| Auth | OAuth or key | OAuth or key |
| Pricing | Freemium | Freemium |
| x402 | no | no |
| Licence | Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation). | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) |
| Read-only variant documented | no | no |
| llms.txt | no | yes |
| Last release | 2026-10-06 | 2026-10-12 |
| Terms last updated | 2026-02-27 | 2026-07-15 |
| Privacy policy last updated | 2026-02-27 | no date given |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | not found in the text |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | yes | not found in the text |
Verdicts
Hiatus
Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.
Plum
Plum automates saving and investing for UK and European users from their bank data, with a free tier, public prices, a status page and weekly iOS releases. There is no public API or MCP server an outside agent can call, and its AI tools run only inside the app. No security contact was found.
Before you call either
Hiatus
- Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.
- Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.
Plum
- Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.
- Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person.
Questions
Which is better for AI agents, Hiatus or Plum?
Plum scores 27.4 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 5 of 7 scored categories.
Other comparisons with Hiatus or Plum
Machine-readable
- This page as Markdown
/compare/hiatus-vs-plum.md· slim.min.md· JSON.json(or sendAccept: text/markdown) - Each listing in full
/api/v1/tools/hiatus.json·/api/v1/tools/plum.json - From a terminal
anchor compare hiatus plum(the CLI) - Over MCP
compare_tools {"a": "hiatus", "b": "plum"}at/mcp, no key