{
  "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": "2026-10-14T09:53:21.23640016Z"
        },
        "updatedAt": "2026-10-14T09:53:21.23640016Z"
      }
    },
    "answer": "Plum scores 27.4 (F) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in 4 of 7 scored categories.",
    "b": {
      "slug": "quicken-simplifi",
      "name": "Quicken Simplifi",
      "vendor": "Quicken Inc.",
      "vendorUrl": "https://www.quicken.com/products/simplifi/",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Quicken Simplifi is a subscription personal finance app for web, iOS and Android. It connects bank, card and investment accounts to track spending, bills and subscriptions, build a spending plan, set savings goals and project cash flow.",
      "url": "https://www.anchorterminal.com/tools/quicken-simplifi",
      "markdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json",
      "license": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Quicken ID with a password and the multi-factor authentication Quicken sets, used in the Simplifi web and mobile apps. Financial institutions are connected inside the app (https://www.quicken.com/about-us/terms/simplifi-and-lifehub/).",
      "pricing": "paid",
      "pricingNotes": "Billed annually. The product page shows $3.99 a month against a regular $6.99, as a first-year offer for new members ordering from Quicken by 6 November 2026, renewing at the then-current rate (https://www.quicken.com/products/simplifi/). The US App Store lists a Simplifi annual plan at $84.99 and a monthly subscription at $9.99 (https://apps.apple.com/us/app/id1449777194). No free plan; the terms give a full refund on cancellation within 30 days of the first subscription period and say free trials may be offered from time to time.",
      "priceSummary": "$3.99 / mo",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on the Simplifi product page, the terms or the privacy statement (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.budgets",
        "finance.bills",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "paid",
        "ios",
        "android",
        "status-page"
      ],
      "lastRelease": "2026-10-07",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 20.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1037,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 4,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 58,
          "payments": 10,
          "reliability": 50,
          "schema": 0,
          "security": 0,
          "transparency": 50
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.",
        "bestFor": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.",
        "strengths": [
          "16 iOS releases between 22 July and 7 October 2026.",
          "Status page at status.quicken.com with a simplifi.quicken.com component.",
          "Full refund on cancellation within 30 days of the first subscription period, per the terms."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call; a staff forum reply says none is planned.",
          "The terms forbid scraping, crawling and access by any means other than Quicken's supported interfaces.",
          "No free plan, and the advertised $3.99 is a first-year offer billed annually.",
          "No security contact, disclosure policy or named subprocessors found."
        ],
        "agentNotes": [
          "Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.",
          "Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces."
        ],
        "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": 20.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 58,
          "payments": 10,
          "reliability": 50,
          "schema": 0,
          "security": 0,
          "transparency": 32
        },
        "provenanceScore": 68
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/quicken-simplifi"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "Simplifi, annual billing, first-year offer",
          "unit": "month",
          "usd": 3.99,
          "note": "billed annually, regular $6.99 a month, offer to 6 November 2026"
        },
        {
          "item": "Simplifi monthly subscription, App Store",
          "unit": "month",
          "usd": 9.99,
          "note": "US App Store in-app purchase"
        }
      ],
      "provenance": {
        "legalEntity": "Quicken Inc.",
        "domain": "quicken.com",
        "domainRegistered": "1995-06-13",
        "endpointOnVendorDomain": null,
        "terms": "https://www.quicken.com/about-us/terms/simplifi-and-lifehub/",
        "privacy": "https://www.quicken.com/privacy-us/us/",
        "statusPage": "https://status.quicken.com",
        "changelog": "",
        "securityTxt": "unknown",
        "checked": "2026-10-14",
        "notes": [
          "The Simplifi and LifeHub Terms of Use (updated 30 July 2025) are between the user and Quicken Inc. The US Privacy Statement was last updated 4 September 2025.",
          "www.quicken.com/.well-known/security.txt answered 403 Forbidden, as did /security and /llms.txt, so whether a security.txt exists couldn't be read.",
          "status.quicken.com is a Status.io page whose history lists only planned maintenance, the latest on 15 April 2026.",
          "RDAP gives a registration date of 1995-06-13 for quicken.com."
        ],
        "score": 68
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/quicken-simplifi.json",
      "live": {
        "slug": "quicken-simplifi",
        "vendorStatus": {
          "page": "https://status.quicken.com",
          "indicator": "unknown",
          "summary": "no machine-readable status found",
          "checkedAt": "2026-10-14T08:53:50.186645409Z"
        },
        "updatedAt": "2026-10-14T08:53:50.186645409Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Plum Fintech Limited",
        "b": "Quicken 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 Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-10-07",
        "name": "Last release"
      },
      {
        "a": "2026-07-15",
        "b": "2025-07-30",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "no date given",
        "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": "yes",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "yes",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Plum scores 27.4 (F) on agent readiness against Quicken Simplifi's 20.7 (F), and leads in 4 of 7 scored categories.",
        "question": "Which is better for AI agents, Plum or Quicken Simplifi?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 60 against 50",
          "Schema \u0026 documentation, 10 against 0",
          "Payments \u0026 pricing, 30 against 10",
          "Transparency \u0026 trust, 58 against 50"
        ],
        "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": "US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.",
        "slug": "quicken-simplifi",
        "watchFor": "No public API or MCP server an outside agent can call; a staff forum reply says none is planned."
      }
    ],
    "job": {
      "capability": "finance.transactions",
      "name": "Personal transactions"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.json",
        "title": "Emma vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.json",
        "title": "Hiatus vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.json",
        "title": "Quicken Simplifi vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.json",
        "title": "Quicken Simplifi vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.json",
        "title": "Quicken Simplifi vs Snoop",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.json",
        "title": "Copilot Money vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi"
      },
      {
        "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/quicken-simplifi-vs-ynab.json",
        "title": "Quicken Simplifi vs YNAB",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-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-pocketguard.json",
        "title": "Plum vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/plum-vs-pocketguard"
      },
      {
        "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": 10,
        "edge": "plum",
        "key": "reliability",
        "name": "Reliability",
        "plum": 60,
        "quicken-simplifi": 50,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "plum",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "plum": 10,
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "plum": 0,
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "security",
        "name": "Security \u0026 auth",
        "plum": 0,
        "quicken-simplifi": 0,
        "weight": 14
      },
      {
        "by": 20,
        "edge": "plum",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "plum": 30,
        "quicken-simplifi": 10,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 2,
        "edge": "quicken-simplifi",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "plum": 56,
        "quicken-simplifi": 58,
        "weight": 7
      },
      {
        "by": 8,
        "edge": "plum",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "plum": 58,
        "quicken-simplifi": 50,
        "weight": 7
      }
    ],
    "summary": "Plum scores 27.4 (F) on agent readiness against Quicken Simplifi's 20.7 (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.",
      "quicken-simplifi": "Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi",
    "json": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.md",
    "slim": "https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.min.md"
  },
  "markdown": "Plum scores 27.4 (F) on agent readiness against Quicken Simplifi's 20.7 (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- Quicken Simplifi: grade F, 20.7/100, rank #1037 of 1076. Markdown https://www.anchorterminal.com/tools/quicken-simplifi.md · JSON https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.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 50\n- Schema \u0026 documentation, 10 against 0\n- Payments \u0026 pricing, 30 against 10\n- Transparency \u0026 trust, 58 against 50\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### Quicken Simplifi (F)\n\nGood for: US and Canadian households who want spending, bills, subscriptions and investments in one subscription app.\n\nWatch for: No public API or MCP server an outside agent can call; a staff forum reply says none is planned.\n\n\n## Score by category\n\n| Category | Weight | Plum | Quicken Simplifi | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 60 | 50 | Plum +10 |\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 | 10 | Plum +20 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 58 | Quicken Simplifi +2 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 50 | Plum +8 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **27.4 · F** | **20.7 · F** | |\n\n## Facts side by side\n\n| Fact | Plum | Quicken Simplifi |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Plum Fintech Limited | Quicken 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 Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-12 | 2026-10-07 |\n| Terms last updated | 2026-07-15 | 2025-07-30 |\n| Privacy policy last updated | no date given | no date given |\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 | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\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**Quicken Simplifi.** Quicken Simplifi tracks spending, bills, subscriptions and investments for US and Canadian households, with iOS releases about every week. There is no public API or MCP server an outside agent can call, and Quicken staff say none is planned. No free plan, no security contact found, and providers are named only by category.\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### Quicken Simplifi\n\n1. Don't plan to call Simplifi from another agent. Hand the task to the person in the Simplifi app or web app.\n2. Don't log in on the person's behalf or scrape the web app; the terms forbid access outside Quicken's supported interfaces.\n\n## Questions\n\n### Which is better for AI agents, Plum or Quicken Simplifi?\n\nPlum scores 27.4 (F) on agent readiness against Quicken Simplifi's 20.7 (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-quicken-simplifi.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plum\", \"b\": \"quicken-simplifi\"}`. From a terminal: `anchor compare plum quicken-simplifi`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plum.json and https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json\n\n## Other comparisons with Plum or Quicken Simplifi\n\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Quicken Simplifi vs ScribeUp](https://www.anchorterminal.com/compare/quicken-simplifi-vs-scribeup.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-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 PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.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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    "description": "Plum scores 27.4 (F) to Quicken Simplifi's 20.7 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Plum vs Quicken Simplifi for AI agents in 2026: scores and prices",
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