{
  "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": "YNAB scores 65.1 (B) on agent readiness against PocketGuard's 14.6 (F), and leads in every scored category.",
    "b": {
      "slug": "ynab",
      "name": "YNAB",
      "vendor": "YNAB",
      "vendorUrl": "https://www.ynab.com",
      "kind": "http-api",
      "category": "personal-finance",
      "summary": "YNAB is a subscription budgeting app for people. Its REST API reads and edits a user's plans, accounts, categories, payees and transactions, with personal access tokens or OAuth for apps other users authorise.",
      "url": "https://www.anchorterminal.com/tools/ynab",
      "markdownUrl": "https://www.anchorterminal.com/tools/ynab.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/ynab.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/ynab.json",
      "repo": "https://github.com/ynab/ynab-sdk-js",
      "license": "Proprietary service; SDKs Apache-2.0",
      "transports": [
        "http"
      ],
      "remoteUrl": "https://api.ynab.com/v1",
      "packages": [
        {
          "registry": "npm",
          "name": "ynab"
        },
        {
          "registry": "pypi",
          "name": "ynab"
        },
        {
          "registry": "rubygems",
          "name": "ynab"
        }
      ],
      "auth": "mixed",
      "authNotes": "Bearer token in the Authorization header. A personal access token is made in the web app under Account Settings, Developer Settings, after entering the password; it never expires and is revoked from the same page. OAuth apps use the implicit grant or the authorisation code grant with PKCE and state; access tokens last 2 hours and the code grant returns a refresh token. scope=read-only gives a token that gets 403 on writes. New OAuth apps are in Restricted Mode, limited to 25 users other than the owner, until a review that takes 2 to 4 weeks (https://api.ynab.com/).",
      "pricing": "paid",
      "pricingNotes": "The API comes with a YNAB subscription at no extra charge. $14.99 a month or $109 a year in US dollars, with a 34-day free trial that needs no card when signing up on ynab.com (app stores may ask for one) and a 365-day trial for college students (https://www.ynab.com/pricing). A lapsed subscription or expired trial returns 403.1 or 403.2 on every call (https://api.ynab.com/#errors).",
      "priceSummary": "$14.99 / mo",
      "where": "hosted",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 in the API documentation, the OpenAPI file or the pricing page (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": 0,
      "popularity": {
        "githubStars": 240,
        "npmWeekly": 9596,
        "pypiWeekly": 2299,
        "asOf": "2026-10-14"
      },
      "docsUrl": "https://api.ynab.com/",
      "openapi": "https://api.ynab.com/papi/open_api_spec.yaml",
      "capabilities": [
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "hosted",
        "oauth",
        "openapi",
        "typescript",
        "python",
        "ruby",
        "status-page",
        "bug-bounty",
        "security-txt",
        "free-trial",
        "no-card",
        "read-only-mode",
        "closed-source"
      ],
      "lastRelease": "2026-09-17",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 65.1,
        "grade": "B",
        "agentReady": false,
        "rank": 351,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 1,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 71,
          "maintenance": 62,
          "payments": 30,
          "reliability": 82,
          "schema": 77,
          "security": 51,
          "transparency": 75
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "high",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.",
        "bestFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.",
        "strengths": [
          "Public OpenAPI 3.1.1 file at api.ynab.com/papi/open_api_spec.yaml, version 1.87.0, with 44 operations",
          "OAuth authorisation code grant with PKCE, refresh tokens and a read-only scope that returns 403 on writes",
          "Delta requests with last_knowledge_of_server on nine resources return only what changed",
          "Dated API changelog with 21 versions since February 2024, the latest on 17 September 2026",
          "Official SDKs for JavaScript, Python and Ruby under Apache-2.0, with CI passing on the JavaScript SDK"
        ],
        "weaknesses": [
          "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After",
          "Personal access tokens don't expire and can't be limited to reading",
          "No list pagination, so a full transaction list depends on date filters and delta requests",
          "Getting access needs a person to sign up and create a token or OAuth app in the web app",
          "No llms.txt or Markdown version of the API docs; the site's llms.txt is a product description"
        ],
        "agentNotes": [
          "Use last-used in place of plan_id until you have listed plans with GET /v1/plans",
          "Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour",
          "Read and write amounts in milliunits, or read the _currency fields added in v1.82.0",
          "Set import_id on transactions you create so a retried POST is matched instead of duplicated",
          "Request scope=read-only on OAuth when the task only reads the budget"
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "high",
            "grade": "B",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 65.1
          }
        ],
        "editorialScores": {
          "ergonomics": 71,
          "maintenance": 62,
          "payments": 30,
          "reliability": 82,
          "schema": 77,
          "security": 51,
          "transparency": 57
        },
        "provenanceScore": 92
      },
      "connect": {
        "install": "npm install ynab",
        "http": "curl -H \"Authorization: Bearer \u003cACCESS_TOKEN\u003e\" https://api.ynab.com/v1/plans"
      },
      "letme": {
        "capability": "https://letme.dev/finance.budgets",
        "tool": "https://letme.dev/ynab"
      },
      "area": "domain-data",
      "unitPrices": [
        {
          "item": "YNAB subscription, monthly",
          "unit": "month",
          "usd": 14.99,
          "note": "API included"
        },
        {
          "item": "YNAB subscription, annual",
          "unit": "month",
          "usd": 9.08,
          "note": "billed $109 a year, API included"
        }
      ],
      "provenance": {
        "legalEntity": "You Need A Budget LLC",
        "domain": "ynab.com",
        "domainRegistered": "2001-11-24",
        "endpointOnVendorDomain": true,
        "terms": "https://www.ynab.com/terms/",
        "privacy": "https://www.ynab.com/privacy-policy/",
        "statusPage": "https://ynabstatus.com",
        "changelog": "https://api.ynab.com/#changelog",
        "securityTxt": "valid",
        "checked": "2026-10-14",
        "notes": [
          "The terms (last modified 9 April 2026) and the privacy policy (effective 20 April 2026) name You Need A Budget LLC d/b/a YNAB, governed by Utah law, with You Need A Budget UK Ltd of Cheltenham for UK and EEA open banking.",
          "API Terms of Service sit on api.ynab.com under Legal and work with the general terms and privacy policy.",
          "security.txt at api.ynab.com/.well-known/security.txt names Bugcrowd and security@ynab.com but has no Expires line, which RFC 9116 requires. www.ynab.com/.well-known/security.txt returned 404.",
          "RDAP at Verisign gives a registration date of 2001-11-24 for ynab.com.",
          "The status page at ynabstatus.com is a Statuspage site with a Public API component."
        ],
        "score": 92
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/ynab.json",
      "live": {
        "slug": "ynab",
        "probe": {
          "target": "https://api.ynab.com/v1",
          "method": "get",
          "lastAt": "2026-10-14T09:42:14.536615748Z",
          "lastOk": true,
          "lastStatus": 200,
          "lastMs": 317,
          "authRequired": false,
          "uptime24h": 100,
          "uptime30d": 100,
          "p50ms24h": 320,
          "p95ms24h": 379,
          "samples24h": 17,
          "samples30d": 17,
          "days": [
            {
              "date": "2026-10-14",
              "probes": 17,
              "ok": 17
            }
          ]
        },
        "vendorStatus": {
          "page": "https://ynabstatus.com",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:48.725692047Z"
        },
        "updatedAt": "2026-10-14T09:42:14.536615748Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "HTTP API",
        "name": "Kind"
      },
      {
        "a": "PocketGuard, Inc.",
        "b": "YNAB",
        "name": "Vendor"
      },
      {
        "a": "no (local only)",
        "b": "https://api.ynab.com/v1",
        "name": "Hosted endpoint"
      },
      {
        "a": "",
        "b": "HTTP",
        "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": "Proprietary service; SDKs Apache-2.0",
        "name": "Licence"
      },
      {
        "a": "none",
        "b": "0",
        "name": "Tools exposed"
      },
      {
        "a": "yes",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-06",
        "b": "2026-09-17",
        "name": "Last release"
      },
      {
        "a": "2024-11-26",
        "b": "2026-04-09",
        "name": "Terms last updated"
      },
      {
        "a": "2025-05-12",
        "b": "2026-04-09",
        "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": "yes",
        "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"
      },
      {
        "a": "none",
        "b": "240 stars, 9.6k npm/wk, 2.3k PyPI/wk",
        "name": "Popularity"
      }
    ],
    "faq": [
      {
        "answer": "YNAB scores 65.1 (B) on agent readiness against PocketGuard's 14.6 (F), and leads in every scored category.",
        "question": "Which is better for AI agents, PocketGuard or YNAB?"
      },
      {
        "answer": "No hosted endpoint is listed for PocketGuard. YNAB has a hosted endpoint at https://api.ynab.com/v1.",
        "question": "Can an agent call PocketGuard and YNAB without installing anything?"
      }
    ],
    "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, 82 against 15",
          "Schema \u0026 documentation, 77 against 0",
          "Agent ergonomics, 71 against 0",
          "Security \u0026 auth, 51 against 0",
          "Payments \u0026 pricing, 30 against 20",
          "Maintenance \u0026 community, 62 against 56",
          "Transparency \u0026 trust, 75 against 48"
        ],
        "also": [
          "A hosted endpoint, with nothing to install",
          "Free to start without a card"
        ],
        "goodFor": "An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.",
        "slug": "ynab",
        "watchFor": "Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After"
      }
    ],
    "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/hiatus-vs-pocketguard.json",
        "title": "Hiatus vs PocketGuard",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-pocketguard"
      },
      {
        "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/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-ynab.json",
        "title": "Copilot Money vs YNAB",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-ynab.json",
        "title": "Emma vs YNAB",
        "url": "https://www.anchorterminal.com/compare/emma-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/hiatus-vs-ynab.json",
        "title": "Hiatus vs YNAB",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-ynab"
      },
      {
        "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-snoop.json",
        "title": "PocketGuard vs Snoop",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop"
      },
      {
        "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/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/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-ynab.json",
        "title": "Plum vs YNAB",
        "url": "https://www.anchorterminal.com/compare/plum-vs-ynab"
      }
    ],
    "scores": [
      {
        "by": 67,
        "edge": "ynab",
        "key": "reliability",
        "name": "Reliability",
        "pocketguard": 15,
        "weight": 16,
        "ynab": 82
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 77,
        "edge": "ynab",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "pocketguard": 0,
        "weight": 13,
        "ynab": 77
      },
      {
        "by": 71,
        "edge": "ynab",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "pocketguard": 0,
        "weight": 13,
        "ynab": 71
      },
      {
        "by": 51,
        "edge": "ynab",
        "key": "security",
        "name": "Security \u0026 auth",
        "pocketguard": 0,
        "weight": 14,
        "ynab": 51
      },
      {
        "by": 10,
        "edge": "ynab",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "pocketguard": 20,
        "weight": 10,
        "ynab": 30
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 6,
        "edge": "ynab",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "pocketguard": 56,
        "weight": 7,
        "ynab": 62
      },
      {
        "by": 27,
        "edge": "ynab",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "pocketguard": 48,
        "weight": 7,
        "ynab": 75
      }
    ],
    "summary": "YNAB scores 65.1 (B) on agent readiness against PocketGuard's 14.6 (F), and leads in every scored category. 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.",
      "ynab": "A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser."
    }
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  "markdown": "YNAB scores 65.1 (B) on agent readiness against PocketGuard's 14.6 (F), and leads in every scored category. 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- YNAB: grade B, 65.1/100, rank #351 of 1076. Markdown https://www.anchorterminal.com/tools/ynab.md · JSON https://www.anchorterminal.com/api/v1/tools/ynab.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### YNAB (B)\n\nGood for: An agent helping one person with their own YNAB plan, reading spending and editing categories, transactions and targets.\n\nAhead on:\n- Reliability, 82 against 15\n- Schema \u0026 documentation, 77 against 0\n- Agent ergonomics, 71 against 0\n- Security \u0026 auth, 51 against 0\n- Payments \u0026 pricing, 30 against 20\n- Maintenance \u0026 community, 62 against 56\n- Transparency \u0026 trust, 75 against 48\n\nAlso in its favour:\n- A hosted endpoint, with nothing to install\n- Free to start without a card\n\nWatch for: Each access token is limited to 200 requests an hour in a rolling window, and 429 responses carry no Retry-After\n\n\n## Score by category\n\n| Category | Weight | PocketGuard | YNAB | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 15 | 82 | YNAB +67 |\n| Performance | 10%, pending | pending | pending | not scored in this run |\n| Schema \u0026 documentation | 13% (16.2 this run) | 0 | 77 | YNAB +77 |\n| Agent ergonomics | 13% (16.2 this run) | 0 | 71 | YNAB +71 |\n| Security \u0026 auth | 14% (17.5 this run) | 0 | 51 | YNAB +51 |\n| Payments \u0026 pricing | 10% (12.5 this run) | 20 | 30 | YNAB +10 |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 62 | YNAB +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 48 | 75 | YNAB +27 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **14.6 · F** | **65.1 · B** | |\n\n## Facts side by side\n\n| Fact | PocketGuard | YNAB |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | PocketGuard, Inc. | YNAB |\n| Hosted endpoint | no (local only) | `https://api.ynab.com/v1` |\n| Transports |  | HTTP |\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.). | Proprietary service; SDKs Apache-2.0 |\n| Tools exposed | none | 0 |\n| Read-only variant documented | yes | yes |\n| llms.txt | no | no |\n| Last release | 2026-10-06 | 2026-09-17 |\n| Terms last updated | 2024-11-26 | 2026-04-09 |\n| Privacy policy last updated | 2025-05-12 | 2026-04-09 |\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 | yes |\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| Popularity | none | 240 stars, 9.6k npm/wk, 2.3k PyPI/wk |\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**YNAB.** A public OpenAPI 3.1.1 file, a dated changelog and an OAuth read-only scope let an agent read and edit a person's own budget. Each token is limited to 200 requests an hour with no Retry-After, personal access tokens never expire and have no read-only option, and access always starts with a person signing up in a browser.\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### YNAB\n\n1. Use last-used in place of plan_id until you have listed plans with GET /v1/plans\n2. Store server_knowledge and send it back as last_knowledge_of_server to stay inside 200 requests an hour\n3. Read and write amounts in milliunits, or read the _currency fields added in v1.82.0\n4. Set import_id on transactions you create so a retried POST is matched instead of duplicated\n5. Request scope=read-only on OAuth when the task only reads the budget\n\n## Questions\n\n### Which is better for AI agents, PocketGuard or YNAB?\n\nYNAB scores 65.1 (B) on agent readiness against PocketGuard's 14.6 (F), and leads in every scored category.\n\n### Can an agent call PocketGuard and YNAB without installing anything?\n\nNo hosted endpoint is listed for PocketGuard. YNAB has a hosted endpoint at https://api.ynab.com/v1.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json, and with the fewest tokens: https://www.anchorterminal.com/compare/pocketguard-vs-ynab.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"pocketguard\", \"b\": \"ynab\"}`. From a terminal: `anchor compare pocketguard ynab`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/pocketguard.json and https://www.anchorterminal.com/api/v1/tools/ynab.json\n\n## Other comparisons with PocketGuard or YNAB\n\n- [Emma vs PocketGuard](https://www.anchorterminal.com/compare/emma-vs-pocketguard.md)\n- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)\n- [PocketGuard vs ScribeUp](https://www.anchorterminal.com/compare/pocketguard-vs-scribeup.md)\n- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)\n- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)\n- [Emma vs YNAB](https://www.anchorterminal.com/compare/emma-vs-ynab.md)\n- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.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 Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-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 YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n",
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        "name": "PocketGuard vs YNAB",
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    "description": "YNAB scores 65.1 (B) 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 YNAB for AI agents in 2026: scores and prices",
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