{
  "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 Rocket Money's 17 (F), and leads in 2 of 7 scored categories.",
    "b": {
      "slug": "rocket-money",
      "name": "Rocket Money",
      "vendor": "Rocket Money, Inc.",
      "vendorUrl": "https://www.rocketmoney.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Rocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message.",
      "url": "https://www.anchorterminal.com/tools/rocket-money",
      "markdownUrl": "https://www.anchorterminal.com/tools/rocket-money.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rocket-money.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rocket-money.json",
      "license": "Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Rocket Money account on the web or in the app. Bank accounts connect through Plaid or Akoya, and Rocket Money says it never sees bank passwords (https://www.rocketmoney.com/security). Rowan answers by RCS text message to the primary member on Premium+ (https://www.rocketmoney.com/llms.txt). No credential exists for an outside agent.",
      "pricing": "freemium",
      "pricingNotes": "Free to use. Premium is priced by the member, typically $7 to $14 a month after a seven-day free trial, and Premium+ is $15 a month plus tax with Rowan and bill negotiation at no success fee. On the free and Premium tiers bill negotiation costs 35 to 60 per cent of first-year savings (https://www.rocketmoney.com/llms.txt). The App Store lists Premium in-app purchases from $2.99 to $9.99 (https://apps.apple.com/us/app/id1130616675, checked 14 October 2026).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on rocketmoney.com, llms.txt or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "llmsTxt": "https://www.rocketmoney.com/llms.txt",
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "ios",
        "android",
        "web",
        "llms-txt",
        "not-for-agents"
      ],
      "lastRelease": "2026-10-13",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 17,
        "grade": "F",
        "agentReady": false,
        "rank": 1046,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 6,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 43
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.",
        "bestFor": "People in the US who want subscription cancellation and bill negotiation done for them.",
        "strengths": [
          "Free tier, with Premium priced by the member at about $7 to $14 a month and Premium+ at $15.",
          "Bank connections go through Plaid or Akoya, so Rocket Money doesn't hold bank passwords, per its security page.",
          "Sixteen iOS releases between 7 July and 13 October 2026.",
          "Rowan asks for the member's confirmation before acting, and cancellations go through human-verified workflows, per llms.txt."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The terms forbid robots, scrapers and other automated access without Rocket Money's express written consent.",
          "Bill negotiation on the free and Premium tiers costs 35 to 60 per cent of first-year savings.",
          "No status page or security.txt, and the privacy policy at rocketaccount.com answered 403."
        ],
        "agentNotes": [
          "Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.",
          "Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.",
          "Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+."
        ],
        "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": 17
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 31
        },
        "provenanceScore": 55
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/rocket-money"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Rocket Money, Inc.",
        "domain": "rocketmoney.com",
        "domainRegistered": "2012-05-13",
        "endpointOnVendorDomain": null,
        "terms": "https://www.rocketmoney.com/terms",
        "privacy": "https://www.rocketaccount.com/#/privacy-policy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms are effective 2 October 2026, with earlier versions archived under /terms/.",
          "The privacy policy is linked from llms.txt at rocketaccount.com, which answered 403 to our fetch, so it was not read.",
          "rocketmoney.com/.well-known/security.txt returns 404. status.rocketmoney.com has no DNS record.",
          "RDAP gives a registration date of 2012-05-13 for rocketmoney.com."
        ],
        "score": 55
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/rocket-money.json"
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Plum Fintech Limited",
        "b": "Rocket Money, 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": "Freemium",
        "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 Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-12",
        "b": "2026-10-13",
        "name": "Last release"
      },
      {
        "a": "2026-07-15",
        "b": "2023-12-01",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "b": "couldn't be read",
        "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 Rocket Money's 17 (F), and leads in 2 of 7 scored categories.",
        "question": "Which is better for AI agents, Plum or Rocket Money?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Reliability, 60 against 15",
          "Transparency \u0026 trust, 58 against 43"
        ],
        "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 in the US who want subscription cancellation and bill negotiation done for them.",
        "slug": "rocket-money",
        "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-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.json",
        "title": "Hiatus vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-rocket-money"
      },
      {
        "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/rocket-money-vs-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.json",
        "title": "Rocket Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.json",
        "title": "Copilot Money vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money"
      },
      {
        "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/rocket-money-vs-ynab.json",
        "title": "Rocket Money vs YNAB",
        "url": "https://www.anchorterminal.com/compare/rocket-money-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-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-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,
        "rocket-money": 15,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "plum": 10,
        "rocket-money": 10,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "plum": 0,
        "rocket-money": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "security",
        "name": "Security \u0026 auth",
        "plum": 0,
        "rocket-money": 0,
        "weight": 14
      },
      {
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "plum": 30,
        "rocket-money": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "plum": 56,
        "rocket-money": 56,
        "weight": 7
      },
      {
        "by": 15,
        "edge": "plum",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "plum": 58,
        "rocket-money": 43,
        "weight": 7
      }
    ],
    "summary": "Plum scores 27.4 (F) on agent readiness against Rocket Money's 17 (F), and leads in 2 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.",
      "rocket-money": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/plum-vs-rocket-money",
    "json": "https://www.anchorterminal.com/compare/plum-vs-rocket-money.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/plum-vs-rocket-money.md",
    "slim": "https://www.anchorterminal.com/compare/plum-vs-rocket-money.min.md"
  },
  "markdown": "Plum scores 27.4 (F) on agent readiness against Rocket Money's 17 (F), and leads in 2 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- Rocket Money: grade F, 17/100, rank #1046 of 1076. Markdown https://www.anchorterminal.com/tools/rocket-money.md · JSON https://www.anchorterminal.com/api/v1/tools/rocket-money.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- Transparency \u0026 trust, 58 against 43\n\nWatch for: No public API or MCP server an outside agent can call.\n\n### Rocket Money (F)\n\nGood for: People in the US who want subscription cancellation and bill negotiation done for them.\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 | Rocket Money | 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 | 10 | even |\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 | 30 | even |\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 | 43 | Plum +15 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **27.4 · F** | **17 · F** | |\n\n## Facts side by side\n\n| Fact | Plum | Rocket Money |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Plum Fintech Limited | Rocket Money, Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Closed service under Plum's terms (Plum Fintech Limited and Saveable Limited) | Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.). |\n| Read-only variant documented | no | no |\n| llms.txt | yes | yes |\n| Last release | 2026-10-12 | 2026-10-13 |\n| Terms last updated | 2026-07-15 | 2023-12-01 |\n| Privacy policy last updated | no date given | couldn't be read |\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**Rocket Money.** Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.\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### Rocket Money\n\n1. Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.\n2. Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.\n3. Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+.\n\n## Questions\n\n### Which is better for AI agents, Plum or Rocket Money?\n\nPlum scores 27.4 (F) on agent readiness against Rocket Money's 17 (F), and leads in 2 of 7 scored categories.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/plum-vs-rocket-money.json, and with the fewest tokens: https://www.anchorterminal.com/compare/plum-vs-rocket-money.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"plum\", \"b\": \"rocket-money\"}`. From a terminal: `anchor compare plum rocket-money`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/plum.json and https://www.anchorterminal.com/api/v1/tools/rocket-money.json\n\n## Other comparisons with Plum or Rocket Money\n\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)\n- [PocketGuard vs Rocket Money](https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-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 Quicken Simplifi](https://www.anchorterminal.com/compare/plum-vs-quicken-simplifi.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 Rocket Money's 17 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.",
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