# Hiatus vs PocketGuard

> PocketGuard and Hiatus score within a point of each other for subscription tracking, 14.6 and 14.3 out of 100. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/hiatus-vs-pocketguard
- Markdown: https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md (~1,750 tokens)
- Slim: https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.min.md (~480 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.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

PocketGuard and Hiatus score within a point of each other on agent readiness, 14.6 (F) and 14.3 (F). Both do subscription tracking.

- 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
- PocketGuard: grade F, 14.6/100, rank #1053 of 1076. Markdown https://www.anchorterminal.com/tools/pocketguard.md · JSON https://www.anchorterminal.com/api/v1/tools/pocketguard.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.

### PocketGuard (F)

Good for: People who want a budget built from linked accounts.

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


## Score by category

| Category | Weight | Hiatus | PocketGuard | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 15 | 15 | even |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 0 | 0 | even |
| 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 | 20 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 54 | 56 | PocketGuard +2 |
| Transparency & trust | 7% (8.8 this run) | 47 | 48 | PocketGuard +1 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **14.3 · F** | **14.6 · F** | |

## Facts side by side

| Fact | Hiatus | PocketGuard |
| --- | --- | --- |
| Kind | Platform | Platform |
| Vendor | Hiatus Inc. | PocketGuard, Inc. |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth or key |
| Pricing | Freemium | Paid |
| x402 | no | no |
| Licence | Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation). | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). |
| Read-only variant documented | no | yes |
| llms.txt | no | no |
| Last release | 2026-10-06 | 2026-10-06 |
| Terms last updated | 2026-02-27 | 2024-11-26 |
| Privacy policy last updated | 2026-02-27 | 2025-05-12 |
| Customer content may train models | not found in the text | not found in the text |
| Terms restrict automated access | yes | yes |
| Terms restrict benchmarking | not found in the text | not found in the text |
| Terms or service can change without notice | yes | not found in the text |
| 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.

**PocketGuard.** PocketGuard is a subscription budgeting app with published plan prices, a 7-day trial and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today. Its personal finance API and white-label app are sold to businesses through a demo request, with no public documentation.

## 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.

### PocketGuard

1. Don't plan to call PocketGuard from another agent. There is no public API, so hand budgeting tasks to the person, or point a business to the API demo request.
2. To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours.

## Questions

### Which is better for AI agents, Hiatus or PocketGuard?

PocketGuard and Hiatus score within a point of each other on agent readiness, 14.6 (F) and 14.3 (F).


## For agents

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

## Other comparisons with Hiatus or PocketGuard

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