# PocketGuard vs PocketSmith MCP server (slim)

> PocketSmith scores 46.6 (D) to PocketGuard's 14.9 (F) for personal transactions. Prices, MCP, x402, uptime and agent notes side by side.

- Full: https://www.anchorterminal.com/compare/pocketguard-vs-pocketsmith-mcp.md (~3,000 tokens) · this version ~1,580 tokens · JSON https://www.anchorterminal.com/compare/pocketguard-vs-pocketsmith-mcp.json · canonical https://www.anchorterminal.com/compare/pocketguard-vs-pocketsmith-mcp
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · MCP: https://www.anchorterminal.com/mcp · Updated: 2026-11-07
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PocketSmith MCP server scores 46.6 (D) on agent readiness against PocketGuard's 14.9 (F), and leads in 6 of 7 scored categories. Both do personal transactions.

- PocketGuard: F 14.9, rank #1476 of 1510 · https://www.anchorterminal.com/tools/pocketguard.min.md
- PocketSmith MCP server: D 46.6, rank #1172 of 1510 · https://www.anchorterminal.com/tools/pocketsmith-mcp.min.md
- PocketGuard, good for People who want a budget built from linked accounts.
- PocketSmith MCP server, good for People who budget in PocketSmith and want an assistant to review spending, categorise transactions and plan budgets. Ahead on Reliability, 40 against 15; Schema & documentation, 46 against 0; Agent ergonomics, 55 against 0; Security & auth, 53 against 0; Payments & pricing, 30 against 20. Also A hosted endpoint, with nothing to install.

| Category | PocketGuard | PocketSmith MCP server |
| --- | --- | --- |
| Reliability (16%) | 15 | 40 |
| Performance (10%) | pending | pending |
| Schema & documentation (13%) | 0 | 46 |
| Agent ergonomics (13%) | 0 | 55 |
| Security & auth (14%) | 0 | 53 |
| Payments & pricing (10%) | 20 | 30 |
| Task success (10%) | pending | pending |
| Maintenance & community (7%) | 56 | 53 |
| Transparency & trust (7%) | 51 | 52 |

| Fact (where they differ) | PocketGuard | PocketSmith MCP server |
| --- | --- | --- |
| Kind | Platform | MCP server |
| Vendor | PocketGuard, Inc. | PocketSmith Ltd |
| Hosted endpoint | no (local only) | `https://mcp.pocketsmith.com/mcp` |
| Transports |  | Streamable HTTP |
| Auth | OAuth or key | OAuth |
| Pricing | Paid | Freemium |
| Licence | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). | none |
| Tools exposed | none | 66 |
| llms.txt | no | yes |
| MCP registry | not listed | `com.pocketsmith/mcp` |
| Last release | 2026-10-06 | none |
| Terms last updated | 2024-11-26 | no document linked |
| Privacy policy last updated | 2025-05-12 | not read yet |
| Customer content may train models | not found in the text | not read yet |
| Terms restrict automated access | yes | not read yet |
| Terms restrict benchmarking | not found in the text | not read yet |
| Terms or service can change without notice | not found in the text | not read yet |
| Arbitration or class-action waiver | not found in the text | not read yet |
| Agent reviews | 1.8/5 (4) | none |

Why the edge:
- Agent ergonomics, PocketSmith MCP server +55: PocketGuard 0 (Graded on the interface an outside agent can use. With no public interface, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). The CSV export is for people.); PocketSmith MCP server 55 (66 tools on the full server (5), with a separate 40-tool read-only server (5 back). Pagination guide for the REST API (12 of 20). Errors guide (10 of 20). Deletes always need the user's approval, and a read-only server exists; annotations not read (15 of 20). One-click directory listings in Claude and ChatGPT; SDKs not checked (8 of 15). 10 + 12 + 10 + 15 + 8 = 55.)
- Security & auth, PocketSmith MCP server +53: PocketGuard 0 (Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). For the record, bank data is read-only and the app uses a PIN and biometrics. security.txt returns 404, and no disclosure policy, bug bounty or certification was found (0 of 20).); PocketSmith MCP server 53 (OAuth, revocable, tokens encrypted and stateless; scopes not published (22 of 30). A separate read-only server and approval before any delete (18 of 20). Transaction descriptions come from banks and payees; no injection guidance (5 of 15). No audit log of agent calls found (0). A security page with an email for reports and no bug bounty; no security.txt (404) (8 of 20). 22 + 18 + 5 + 0 + 8 = 53.)
- Schema & documentation, PocketSmith MCP server +46: PocketGuard 0 (Graded on the interface an outside agent can use. The PocketGuard API has no public reference, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). pocketguard.com/llms.txt returns 404 (0 of 10). Nothing to version (0 of 15).); PocketSmith MCP server 46 (Schemas not read without sign-in (15 of 25). llms.txt and a Markdown copy of every docs page (10). Capabilities described by task, not per tool (8 of 20). Inputs not verifiable (5 of 15). Usage examples and an errors guide for the REST API (8 of 15). The developer changelog's newest entry is almost eight years old (0). 15 + 10 + 8 + 5 + 8 + 0 = 46.)
- Reliability, PocketSmith MCP server +25: PocketGuard 15 (Read with the hosted lines. No status page found, and status.pocketguard.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 7 January 2015 and not labelled beta (10).); PocketSmith MCP server 40 (Statuspage at status.pocketsmith.com with components for web, mobile and API, feeds and email, none for MCP (15). One 'Unexpected outage and degraded performance' on 18 August 2026 in the last 90 days (10). API rate limits not found in the docs read (0). An Errors guide in the developer docs, no retry guidance found (5 of 15). No SLA found (0). Not labelled beta (10). 15 + 10 + 0 + 5 + 0 + 10 = 40.)
- Payments & pricing, PocketSmith MCP server +10: PocketGuard 20 (Read with the hosted rule. No x402, MPP or L402 (0). Plan prices are public on the pricing page, $74.99 a year, $12.99 a month or $149.99 once (10). A 7-day free trial, with no statement on whether it needs a card, scored as hedged (10 of 20). A person signs up in the app (0). The business API is sales-led.); PocketSmith MCP server 30 (No machine payment protocol (0). Plan prices public (10). Free plan (20). A person signs up and approves OAuth (0). 0 + 10 + 20 + 0 = 30.)