{
  "data": {
    "a": {
      "slug": "plum",
      "name": "Plum",
      "vendor": "Plum Fintech Limited",
      "vendorUrl": "https://withplum.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Plum is a saving and investing app for the UK and parts of Europe. It analyses spending from connected bank accounts, moves money aside automatically, and holds savings accounts, ISAs, a pension, investments and an AI financial plan.",
      "url": "https://www.anchorterminal.com/tools/plum",
      "markdownUrl": "https://www.anchorterminal.com/tools/plum.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/plum.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/plum.json",
      "license": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Plum account in the iOS or Android app, with identity checks. Bank accounts connect read-only through TrueLayer (https://withplum.com/legal/privacy, https://withplum.com/legal/terms).",
      "pricing": "freemium",
      "pricingNotes": "Basic is free. Plus £3.99, Boost £7.99 and Max £14.99 a month, with the first month of a paid tier free; investment fees and interest rates vary by tier (https://withplum.com/subscriptions). Other fees are on the fees page (https://withplum.com/legal/fees).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on withplum.com, its llms.txt, subscriptions page or terms (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "llmsTxt": "https://withplum.com/llms.txt",
      "capabilities": [
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "eu",
        "status-page",
        "llms-txt"
      ],
      "lastRelease": "2026-10-12",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 27.4,
        "grade": "F",
        "agentReady": false,
        "rank": 1026,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 2,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 60,
          "schema": 10,
          "security": 0,
          "transparency": 58
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "UK and European users who want saving and investing automated from their spending.",
        "strengths": [
          "Free Basic tier, with paid tiers priced publicly and free for the first month.",
          "16 iOS releases between 16 July and 12 October 2026.",
          "Status page with one no-impact incident in the last 90 days."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "No security.txt, disclosure policy or certification found.",
          "Anonymised transaction data may be shared for commercial purposes, per the privacy policy.",
          "Terms and privacy policy carry no dates."
        ],
        "agentNotes": [
          "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."
        ],
        "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": 27.4
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 60,
          "schema": 10,
          "security": 0,
          "transparency": 43
        },
        "provenanceScore": 72
      },
      "letme": {
        "capability": "https://letme.dev/finance.transactions",
        "tool": "https://letme.dev/plum"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Plum Fintech Limited",
        "domain": "withplum.com",
        "domainRegistered": "2016-03-15",
        "endpointOnVendorDomain": null,
        "terms": "https://withplum.com/legal/terms",
        "privacy": "https://withplum.com/legal/privacy",
        "statusPage": "https://status.withplum.com",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms are with Plum Fintech Limited and Saveable Limited acting together. The privacy policy names both as data controllers, with a DPO at dpo@withplum.com. No date was found on either.",
          "withplum.com/.well-known/security.txt returns 404, and no security or disclosure page was found.",
          "The status page at status.withplum.com is a Statuspage site.",
          "RDAP gives a registration date of 2016-03-15 for withplum.com."
        ],
        "score": 72
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/plum.json",
      "live": {
        "slug": "plum",
        "vendorStatus": {
          "page": "https://status.withplum.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:37.163047282Z"
        },
        "updatedAt": "2026-10-14T09:39:37.163047282Z"
      }
    },
    "answer": "Plum scores 27.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.",
    "b": {
      "slug": "pocketguard",
      "name": "PocketGuard",
      "vendor": "PocketGuard, Inc.",
      "vendorUrl": "https://pocketguard.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "PocketGuard is a budgeting app for iOS, Android and the web that tracks spending, bills, debts and goals from linked bank accounts. PocketGuard, Inc. also sells a personal finance API and a white-label app to businesses.",
      "url": "https://www.anchorterminal.com/tools/pocketguard",
      "markdownUrl": "https://www.anchorterminal.com/tools/pocketguard.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/pocketguard.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/pocketguard.json",
      "license": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A PocketGuard account in the app or on the web, protected by a PIN, biometrics and bank-side MFA. Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet (https://pocketguard.com/security/). The business API is reached only by a demo request (https://pocketguard.com/pocketguard-api/), and no credential for an outside agent is documented.",
      "pricing": "paid",
      "pricingNotes": "PocketGuard Premium is $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day free trial (https://pocketguard.com/pricing/, checked 14 October 2026). The App Store also lists in-app purchases from $2.99 to $74.99 (https://apps.apple.com/us/app/id949414211). The business API and white-label app have no published price.",
      "priceSummary": "Paid",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on pocketguard.com, the API page or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.budgets",
        "finance.transactions",
        "finance.bills",
        "finance.subscriptions",
        "finance.cancellation"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "paid",
        "ios",
        "android",
        "web",
        "white-label",
        "not-for-agents",
        "sales-led"
      ],
      "lastRelease": "2026-10-06",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 14.6,
        "grade": "F",
        "agentReady": false,
        "rank": 1053,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 8,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 48
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "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.",
        "bestFor": "People who want a budget built from linked accounts.",
        "strengths": [
          "Plan prices published without login, $74.99 a year, $12.99 a month or $149.99 once, each with a 7-day trial.",
          "Bank data arrives read-only through Finicity, Plaid, Salt Edge and Apple Wallet, per the security page.",
          "Four iOS releases between 21 August and 6 October 2026.",
          "Transactions export to CSV from the app, per a help article updated 3 September 2026."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The PocketGuard API is reached only by a demo request, with no public docs, keys or prices.",
          "The terms forbid robots, crawlers and automated queries against the service.",
          "No status page or security.txt, and the privacy policy names no retention periods."
        ],
        "agentNotes": [
          "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.",
          "To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours."
        ],
        "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": 14.6
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 20,
          "reliability": 15,
          "schema": 0,
          "security": 0,
          "transparency": 35
        },
        "provenanceScore": 61
      },
      "letme": {
        "capability": "https://letme.dev/finance.budgets",
        "tool": "https://letme.dev/pocketguard"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "PocketGuard, Inc.",
        "domain": "pocketguard.com",
        "domainRegistered": "2000-05-02",
        "endpointOnVendorDomain": null,
        "terms": "https://pocketguard.com/terms/",
        "privacy": "https://pocketguard.com/privacy/",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms were last updated 26 November 2024 and the privacy policy 12 May 2025.",
          "pocketguard.com/.well-known/security.txt returns 404. status.pocketguard.com has no DNS record.",
          "RDAP gives a registration date of 2000-05-02 for pocketguard.com, older than the app."
        ],
        "score": 61
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/pocketguard.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Plum Fintech Limited",
        "b": "PocketGuard, Inc.",
        "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": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited)",
        "b": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-10-06",
        "name": "Last release"
      },
      {
        "a": "2026-07-15",
        "b": "2024-11-26",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "2025-05-12",
        "name": "Privacy policy last updated"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Customer content may train models"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "yes",
        "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": "Plum scores 27.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.",
        "question": "Which is better for AI agents, Plum or PocketGuard?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 60 against 15",
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 30 against 20",
          "Transparency \u0026 trust, 58 against 48"
        ],
        "also": null,
        "goodFor": "UK and European users who want saving and investing automated from their spending.",
        "slug": "plum",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": null,
        "also": null,
        "goodFor": "People who want a budget built from linked accounts.",
        "slug": "pocketguard",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "job": {
      "capability": "finance.transactions",
      "name": "Personal transactions"
    },
    "others": [
      {
        "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/hiatus-vs-pocketguard.json",
        "title": "Hiatus vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.json",
        "title": "PocketGuard vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.json",
        "title": "Copilot Money vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json",
        "title": "PocketGuard vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.json",
        "title": "PocketGuard vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money"
      },
      {
        "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/pocketguard-vs-ynab.json",
        "title": "PocketGuard vs YNAB",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-plum.json",
        "title": "Copilot Money vs Plum",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-plum"
      },
      {
        "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/hiatus-vs-plum.json",
        "title": "Hiatus vs Plum",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-plum"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.json",
        "title": "Plum vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-rocket-money.json",
        "title": "Plum vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/plum-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-snoop.json",
        "title": "Plum vs Snoop",
        "url": "https://www.anchorterminal.com/compare/plum-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/plum-vs-ynab.json",
        "title": "Plum vs YNAB",
        "url": "https://www.anchorterminal.com/compare/plum-vs-ynab"
      }
    ],
    "scores": [
      {
        "by": 45,
        "edge": "plum",
        "key": "reliability",
        "name": "Reliability",
        "plum": 60,
        "pocketguard": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "plum",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "plum": 10,
        "pocketguard": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "plum": 0,
        "pocketguard": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "security",
        "name": "Security \u0026 auth",
        "plum": 0,
        "pocketguard": 0,
        "weight": 14
      },
      {
        "by": 10,
        "edge": "plum",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "plum": 30,
        "pocketguard": 20,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "plum": 56,
        "pocketguard": 56,
        "weight": 7
      },
      {
        "by": 10,
        "edge": "plum",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "plum": 58,
        "pocketguard": 48,
        "weight": 7
      }
    ],
    "summary": "Plum scores 27.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories. Both do personal transactions.",
    "verdicts": {
      "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.",
      "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."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/plum-vs-pocketguard",
    "json": "https://www.anchorterminal.com/compare/plum-vs-pocketguard.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/plum-vs-pocketguard.md",
    "slim": "https://www.anchorterminal.com/compare/plum-vs-pocketguard.min.md"
  },
  "markdown": "Plum scores 27.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories. Both do personal transactions.\n\n- 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\n- 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\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### Plum (F)\n\nGood for: UK and European users who want saving and investing automated from their spending.\n\nAhead on:\n- Reliability, 60 against 15\n- Schema \u0026 documentation, 10 against 0\n- Payments \u0026 pricing, 30 against 20\n- Transparency \u0026 trust, 58 against 48\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### PocketGuard (F)\n\nGood for: People who want a budget built from linked accounts.\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Plum | PocketGuard | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 60 | 15 | Plum +45 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 10 | 0 | Plum +10 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 0 | even |\n| Payments \u0026 pricing | 10% (12.5 this run) | 30 | 20 | Plum +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 56 | even |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 48 | Plum +10 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **27.4 · F** | **14.6 · F** | |\n\n## Facts side by side\n\n| Fact | Plum | PocketGuard |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Plum Fintech Limited | PocketGuard, Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Paid |\n| x402 | no | no |\n| Licence | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | 2026-10-06 |\n| Terms last updated | 2026-07-15 | 2024-11-26 |\n| Privacy policy last updated | no date given | 2025-05-12 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | yes |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | yes | 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**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.\n\n**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.\n\n## Before you call either\n\n### Plum\n\n1. Don't plan to call Plum from another agent. Hand the task to the person in the Plum app.\n2. Plum moves real money between accounts and investments, so leave any change to automations or withdrawals to the person.\n\n### PocketGuard\n\n1. 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.\n2. To move a person's data elsewhere, ask them to export transactions as CSV in the app. The emailed link lasts 24 hours.\n\n## Questions\n\n### Which is better for AI agents, Plum or PocketGuard?\n\nPlum scores 27.4 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/plum-vs-pocketguard.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plum-vs-pocketguard.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plum\", \"b\": \"pocketguard\"}`. From a terminal: `anchor compare plum pocketguard`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plum.json and https://www.anchorterminal.com/api/v1/tools/pocketguard.json\n\n## Other comparisons with Plum or PocketGuard\n\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [PocketGuard vs Rocket Money](https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.md)\n- [PocketGuard vs Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)\n- [Emma vs Plum](https://www.anchorterminal.com/compare/emma-vs-plum.md)\n- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md)\n- [Plum vs Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md)\n- [Plum vs Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n",
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