{
  "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": "Snoop scores 26.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.",
    "b": {
      "slug": "snoop",
      "name": "Snoop",
      "vendor": "Usnoop Limited",
      "vendorUrl": "https://snoop.app",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.",
      "url": "https://www.anchorterminal.com/tools/snoop",
      "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json",
      "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).",
      "pricing": "freemium",
      "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "status-page"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 26.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1027,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 3,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 58
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.",
        "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "strengths": [
          "Free to use, with Snoop Plus priced on the site.",
          "Status page with no incident from 16 July to 14 October 2026.",
          "Processors named with data locations in the privacy policy.",
          "Responsible disclosure address with a published GPG key."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "No retention periods in the privacy policy, and aggregated market research is sold.",
          "Terms and privacy policy carry no dates.",
          "No bug bounty or named security certification."
        ],
        "agentNotes": [
          "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.",
          "For a business data arrangement, the route is partnerships@snoop.app, not an API."
        ],
        "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": 26.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 48
        },
        "provenanceScore": 67
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/snoop"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Usnoop Limited",
        "domain": "snoop.app",
        "domainRegistered": "2018-05-08",
        "endpointOnVendorDomain": null,
        "terms": "https://snoop.app/terms/",
        "privacy": "https://snoop.app/privacy-policy/",
        "statusPage": "https://snoopstatus.statuspage.io",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.",
          "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.",
          "The status page is a Statuspage site with app, account-linking and per-bank components.",
          "RDAP gives a registration date of 2018-05-08 for snoop.app."
        ],
        "score": 67
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json",
      "live": {
        "slug": "snoop",
        "vendorStatus": {
          "page": "https://snoopstatus.statuspage.io",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:41.423456754Z"
        },
        "updatedAt": "2026-10-14T09:39:41.423456754Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "PocketGuard, Inc.",
        "b": "Usnoop Limited",
        "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": "Freemium",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.).",
        "b": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
        "name": "Licence"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-06",
        "b": "2026-09-30",
        "name": "Last release"
      },
      {
        "a": "2024-11-26",
        "b": "no date given",
        "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": "not found in the text",
        "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": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "not found in the text",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Snoop scores 26.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.",
        "question": "Which is better for AI agents, PocketGuard or Snoop?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": null,
        "also": null,
        "goodFor": "People who want a budget built from linked accounts.",
        "slug": "pocketguard",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": [
          "Reliability, 60 against 15",
          "Security \u0026 auth, 6 against 0",
          "Payments \u0026 pricing, 30 against 20",
          "Transparency \u0026 trust, 58 against 48"
        ],
        "also": null,
        "goodFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "slug": "snoop",
        "watchFor": "No public API or MCP server an outside agent can call."
      }
    ],
    "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-snoop.json",
        "title": "Emma vs Snoop",
        "url": "https://www.anchorterminal.com/compare/emma-vs-snoop"
      },
      {
        "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-snoop.json",
        "title": "Hiatus vs Snoop",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-snoop"
      },
      {
        "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-snoop.json",
        "title": "Quicken Simplifi vs Snoop",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop"
      },
      {
        "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/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-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-snoop.json",
        "title": "Copilot Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.json",
        "title": "PocketGuard vs Quicken Simplifi",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.json",
        "title": "PocketGuard vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json",
        "title": "PocketGuard vs YNAB",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/snoop-vs-ynab.json",
        "title": "Snoop vs YNAB",
        "url": "https://www.anchorterminal.com/compare/snoop-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-snoop.json",
        "title": "Plum vs Snoop",
        "url": "https://www.anchorterminal.com/compare/plum-vs-snoop"
      }
    ],
    "scores": [
      {
        "by": 45,
        "edge": "snoop",
        "key": "reliability",
        "name": "Reliability",
        "pocketguard": 15,
        "snoop": 60,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 0,
        "edge": "",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "pocketguard": 0,
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "pocketguard": 0,
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "snoop",
        "key": "security",
        "name": "Security \u0026 auth",
        "pocketguard": 0,
        "snoop": 6,
        "weight": 14
      },
      {
        "by": 10,
        "edge": "snoop",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "pocketguard": 20,
        "snoop": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 1,
        "edge": "pocketguard",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "pocketguard": 56,
        "snoop": 55,
        "weight": 7
      },
      {
        "by": 10,
        "edge": "snoop",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "pocketguard": 48,
        "snoop": 58,
        "weight": 7
      }
    ],
    "summary": "Snoop scores 26.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories. 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.",
      "snoop": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships."
    }
  },
  "kind": "anchor.page",
  "links": {
    "api": "https://www.anchorterminal.com/api/v1/index.json",
    "html": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop",
    "json": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md",
    "slim": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop.min.md"
  },
  "markdown": "Snoop scores 26.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories. 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- Snoop: grade F, 26.7/100, rank #1027 of 1076. Markdown https://www.anchorterminal.com/tools/snoop.md · JSON https://www.anchorterminal.com/api/v1/tools/snoop.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\nWatch for: No public API or MCP server an outside agent can call.\n\n### Snoop (F)\n\nGood for: UK users who want bills and subscriptions watched and savings suggested at no cost.\n\nAhead on:\n- Reliability, 60 against 15\n- Security \u0026 auth, 6 against 0\n- Payments \u0026 pricing, 30 against 20\n- Transparency \u0026 trust, 58 against 48\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | PocketGuard | Snoop | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 60 | Snoop +45 |\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 | 6 | Snoop +6 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 30 | Snoop +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 55 | PocketGuard +1 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 58 | Snoop +10 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **14.6 · F** | **26.7 · F** | |\n\n## Facts side by side\n\n| Fact | PocketGuard | Snoop |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | PocketGuard, Inc. | Usnoop Limited |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Paid | Freemium |\n| x402 | no | no |\n| Licence | Closed service under the PocketGuard Terms of Use (PocketGuard, Inc.). | Closed service under Snoop's terms and conditions (Usnoop Limited) |\n| Read-only variant documented | yes | no |\n| llms.txt | no | no |\n| Last release | 2026-10-06 | 2026-09-30 |\n| Terms last updated | 2024-11-26 | no date given |\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 | not found in the text |\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 | not found in the text |\n| Arbitration or class-action waiver | not found in the text | not found in the text |\n\n## Verdicts\n\n**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**Snoop.** Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.\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### Snoop\n\n1. Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.\n2. For a business data arrangement, the route is partnerships@snoop.app, not an API.\n\n## Questions\n\n### Which is better for AI agents, PocketGuard or Snoop?\n\nSnoop scores 26.7 (F) on agent readiness against PocketGuard's 14.6 (F), and leads in 4 of 7 scored categories.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pocketguard-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pocketguard-vs-snoop.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pocketguard\", \"b\": \"snoop\"}`. From a terminal: `anchor compare pocketguard snoop`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pocketguard.json and https://www.anchorterminal.com/api/v1/tools/snoop.json\n\n## Other comparisons with PocketGuard or Snoop\n\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)\n- [PocketGuard vs Quicken Simplifi](https://www.anchorterminal.com/compare/pocketguard-vs-quicken-simplifi.md)\n- [PocketGuard vs Rocket Money](https://www.anchorterminal.com/compare/pocketguard-vs-rocket-money.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Snoop vs YNAB](https://www.anchorterminal.com/compare/snoop-vs-ynab.md)\n- [Plum vs PocketGuard](https://www.anchorterminal.com/compare/plum-vs-pocketguard.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n",
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    "description": "Snoop scores 26.7 (F) to PocketGuard's 14.6 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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