{
  "data": {
    "a": {
      "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"
    },
    "answer": "Quicken Simplifi scores 20.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. PocketGuard leads on payments \u0026 pricing.",
    "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": "PocketGuard, Inc.",
        "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": "Paid",
        "b": "Paid",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
        "b": "Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-06",
        "b": "2026-10-07",
        "name": "Last release"
      },
      {
        "a": "2024-11-26",
        "b": "2025-07-30",
        "name": "Terms last updated"
      },
      {
        "a": "2025-05-12",
        "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": "yes",
        "b": "yes",
        "name": "Terms restrict automated access"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Terms restrict benchmarking"
      },
      {
        "a": "not found in the text",
        "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": "Quicken Simplifi scores 20.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. PocketGuard leads on payments \u0026 pricing.",
        "question": "Which is better for AI agents, PocketGuard or Quicken Simplifi?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Payments \u0026 pricing, 20 against 10"
        ],
        "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."
      },
      {
        "aheadOn": [
          "Reliability, 50 against 15"
        ],
        "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.budgets",
      "name": "Budgets"
    },
    "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/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-pocketguard.json",
        "title": "Hiatus vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard"
      },
      {
        "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/pocketguard-vs-scribeup.json",
        "title": "PocketGuard vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-scribeup"
      },
      {
        "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-pocketguard.json",
        "title": "Copilot Money vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard"
      },
      {
        "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-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/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/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"
      }
    ],
    "scores": [
      {
        "by": 35,
        "edge": "quicken-simplifi",
        "key": "reliability",
        "name": "Reliability",
        "pocketguard": 15,
        "quicken-simplifi": 50,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "pocketguard": 0,
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "pocketguard": 0,
        "quicken-simplifi": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "security",
        "name": "Security \u0026 auth",
        "pocketguard": 0,
        "quicken-simplifi": 0,
        "weight": 14
      },
      {
        "by": 10,
        "edge": "pocketguard",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "pocketguard": 20,
        "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",
        "pocketguard": 56,
        "quicken-simplifi": 58,
        "weight": 7
      },
      {
        "by": 2,
        "edge": "quicken-simplifi",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "pocketguard": 48,
        "quicken-simplifi": 50,
        "weight": 7
      }
    ],
    "summary": "Quicken Simplifi scores 20.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. PocketGuard leads on payments \u0026 pricing. Both do budgets.",
    "verdicts": {
      "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.",
      "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/pocketguard-vs-quicken-simplifi",
    "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md",
    "slim": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.min.md"
  },
  "markdown": "Quicken Simplifi scores 20.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. PocketGuard leads on payments \u0026 pricing. Both do budgets.\n\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- 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### PocketGuard (F)\n\nGood for: People who want a budget built from linked accounts.\n\nAhead on:\n- Payments \u0026 pricing, 20 against 10\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\nAhead on:\n- Reliability, 50 against 15\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 | PocketGuard | Quicken Simplifi | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 50 | Quicken Simplifi +35 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 0 | 0 | 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) | 20 | 10 | PocketGuard +10 |\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) | 48 | 50 | Quicken Simplifi +2 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **14.6 · F** | **20.7 · F** | |\n\n## Facts side by side\n\n| Fact | PocketGuard | Quicken Simplifi |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | PocketGuard, Inc. | Quicken Inc. |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Paid |\n| x402 | no | no |\n| Licence | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). | Closed service under the Quicken Simplifi and Quicken LifeHub Terms of Use (Quicken Inc.) |\n| Read-only variant documented | yes | no |\n| llms.txt | no | no |\n| Last release | 2026-10-06 | 2026-10-07 |\n| Terms last updated | 2024-11-26 | 2025-07-30 |\n| Privacy policy last updated | 2025-05-12 | no date given |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | yes | yes |\n| Terms restrict benchmarking | not found in the text | not found in the text |\n| Terms or service can change without notice | not found in the text | yes |\n| Arbitration or class-action waiver | not found in the text | yes |\n\n## Verdicts\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**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### 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### 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, PocketGuard or Quicken Simplifi?\n\nQuicken Simplifi scores 20.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 3 of 7 scored categories. PocketGuard leads on payments \u0026 pricing.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pocketguard\", \"b\": \"quicken-simplifi\"}`. From a terminal: `anchor compare pocketguard quicken-simplifi`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pocketguard.json and https://www.anchorterminal.com/api/v1/tools/quicken-simplifi.json\n\n## Other comparisons with PocketGuard or Quicken Simplifi\n\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Quicken Simplifi](https://www.anchorterminal.com/compare/emma-vs-quicken-simplifi.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.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 PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-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- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.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",
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        "name": "PocketGuard vs Quicken Simplifi",
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    "description": "Quicken Simplifi scores 20.7 (F) to PocketGuard's 14.6 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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      "PocketGuard F 14.6",
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    "title": "PocketGuard vs Quicken Simplifi for AI agents (2026) | Anchor Terminal",
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    "updated": "2026-10-14",
    "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
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