# Hiatus vs Plum

> Plum scores 27.4 (F) to Hiatus's 14.3 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/hiatus-vs-plum
- Markdown: https://www.anchorterminal.com/compare/hiatus-vs-plum.md (~1,750 tokens)
- Slim: https://www.anchorterminal.com/compare/hiatus-vs-plum.min.md (~530 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/hiatus-vs-plum.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

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.

- Hiatus: grade F, 14.3/100, rank #1054 of 1076. Markdown https://www.anchorterminal.com/tools/hiatus.md · JSON https://www.anchorterminal.com/api/v1/tools/hiatus.json
- Plum: grade F, 27.4/100, rank #1026 of 1076. Markdown https://www.anchorterminal.com/tools/plum.md · JSON https://www.anchorterminal.com/api/v1/tools/plum.json
- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Which one, for what

### Hiatus (F)

Good for: People who want subscriptions found and bills negotiated for them.

Watch for: No public API or MCP server an outside agent can call.

### Plum (F)

Good 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 | Hiatus | Plum | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 15 | 60 | Plum +45 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 0 | 10 | Plum +10 |
| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |
| Security & auth | 14% (17.5 this run) | 0 | 0 | even |
| Payments & pricing | 10% (12.5 this run) | 20 | 30 | Plum +10 |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 54 | 56 | Plum +2 |
| Transparency & trust | 7% (8.8 this run) | 47 | 58 | Plum +11 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **14.3 · F** | **27.4 · F** | |

## 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

1. 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.
2. Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.

### Plum

1. Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.
2. 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.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/hiatus-vs-plum.json, and with the fewest tokens: https://www.anchorterminal.com/compare/hiatus-vs-plum.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "hiatus", "b": "plum"}`. From a terminal: `anchor compare hiatus plum`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/hiatus.json and https://www.anchorterminal.com/api/v1/tools/plum.json

## Other comparisons with Hiatus or Plum

- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)
- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)
- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)
- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)
- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)
- [Copilot Money vs Hiatus](https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md)
- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md)
- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)
- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)
- [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.md)
- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)
- [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md)
- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)
- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)