{
  "data": {
    "a": {
      "slug": "rocket-money",
      "name": "Rocket Money",
      "vendor": "Rocket Money, Inc.",
      "vendorUrl": "https://www.rocketmoney.com",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Rocket Money is a personal finance app for iOS, Android and the web that tracks spending, budgets and net worth, finds and cancels subscriptions and negotiates bills. Its AI assistant, Rowan, works by text message.",
      "url": "https://www.anchorterminal.com/tools/rocket-money",
      "markdownUrl": "https://www.anchorterminal.com/tools/rocket-money.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/rocket-money.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/rocket-money.json",
      "license": "Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Rocket Money account on the web or in the app. Bank accounts connect through Plaid or Akoya, and Rocket Money says it never sees bank passwords (https://www.rocketmoney.com/security). Rowan answers by RCS text message to the primary member on Premium+ (https://www.rocketmoney.com/llms.txt). No credential exists for an outside agent.",
      "pricing": "freemium",
      "pricingNotes": "Free to use. Premium is priced by the member, typically $7 to $14 a month after a seven-day free trial, and Premium+ is $15 a month plus tax with Rowan and bill negotiation at no success fee. On the free and Premium tiers bill negotiation costs 35 to 60 per cent of first-year savings (https://www.rocketmoney.com/llms.txt). The App Store lists Premium in-app purchases from $2.99 to $9.99 (https://apps.apple.com/us/app/id1130616675, checked 14 October 2026).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 found on rocketmoney.com, llms.txt or the terms, checked 14 October 2026.",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "llmsTxt": "https://www.rocketmoney.com/llms.txt",
      "capabilities": [
        "finance.subscriptions",
        "finance.cancellation",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "ios",
        "android",
        "web",
        "llms-txt",
        "not-for-agents"
      ],
      "lastRelease": "2026-10-13",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 17,
        "grade": "F",
        "agentReady": false,
        "rank": 1046,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 6,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 43
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.",
        "bestFor": "People in the US who want subscription cancellation and bill negotiation done for them.",
        "strengths": [
          "Free tier, with Premium priced by the member at about $7 to $14 a month and Premium+ at $15.",
          "Bank connections go through Plaid or Akoya, so Rocket Money doesn't hold bank passwords, per its security page.",
          "Sixteen iOS releases between 7 July and 13 October 2026.",
          "Rowan asks for the member's confirmation before acting, and cancellations go through human-verified workflows, per llms.txt."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "The terms forbid robots, scrapers and other automated access without Rocket Money's express written consent.",
          "Bill negotiation on the free and Premium tiers costs 35 to 60 per cent of first-year savings.",
          "No status page or security.txt, and the privacy policy at rocketaccount.com answered 403."
        ],
        "agentNotes": [
          "Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.",
          "Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.",
          "Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 17
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 56,
          "payments": 30,
          "reliability": 15,
          "schema": 10,
          "security": 0,
          "transparency": 31
        },
        "provenanceScore": 55
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/rocket-money"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Rocket Money, Inc.",
        "domain": "rocketmoney.com",
        "domainRegistered": "2012-05-13",
        "endpointOnVendorDomain": null,
        "terms": "https://www.rocketmoney.com/terms",
        "privacy": "https://www.rocketaccount.com/#/privacy-policy",
        "statusPage": "",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms are effective 2 October 2026, with earlier versions archived under /terms/.",
          "The privacy policy is linked from llms.txt at rocketaccount.com, which answered 403 to our fetch, so it was not read.",
          "rocketmoney.com/.well-known/security.txt returns 404. status.rocketmoney.com has no DNS record.",
          "RDAP gives a registration date of 2012-05-13 for rocketmoney.com."
        ],
        "score": 55
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/rocket-money.json"
    },
    "answer": "Snoop scores 26.7 (F) on agent readiness against Rocket Money's 17 (F), and leads in 3 of 7 scored categories. Rocket Money leads on schema \u0026 documentation.",
    "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": "2026-10-14T09:53:31.448613444Z"
        },
        "updatedAt": "2026-10-14T09:53:31.448613444Z"
      }
    },
    "facts": [
      {
        "a": "Platform",
        "b": "Platform",
        "name": "Kind"
      },
      {
        "a": "Rocket Money, 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": "Freemium",
        "b": "Freemium",
        "name": "Pricing"
      },
      {
        "a": "no",
        "b": "no",
        "name": "x402"
      },
      {
        "a": "Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.).",
        "b": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
        "name": "Licence"
      },
      {
        "a": "no",
        "b": "no",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-13",
        "b": "2026-09-30",
        "name": "Last release"
      },
      {
        "a": "2023-12-01",
        "b": "no date given",
        "name": "Terms last updated"
      },
      {
        "a": "couldn't be read",
        "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": "yes",
        "b": "not found in the text",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "b": "not found in the text",
        "name": "Arbitration or class-action waiver"
      }
    ],
    "faq": [
      {
        "answer": "Snoop scores 26.7 (F) on agent readiness against Rocket Money's 17 (F), and leads in 3 of 7 scored categories. Rocket Money leads on schema \u0026 documentation.",
        "question": "Which is better for AI agents, Rocket Money or Snoop?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": [
          "Schema \u0026 documentation, 10 against 0"
        ],
        "also": null,
        "goodFor": "People in the US who want subscription cancellation and bill negotiation done for them.",
        "slug": "rocket-money",
        "watchFor": "No public API or MCP server an outside agent can call."
      },
      {
        "aheadOn": [
          "Reliability, 60 against 15",
          "Security \u0026 auth, 6 against 0",
          "Transparency \u0026 trust, 58 against 43"
        ],
        "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.subscriptions",
      "name": "Subscription tracking"
    },
    "others": [
      {
        "json": "https://www.anchorterminal.com/compare/emma-vs-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/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-rocket-money.json",
        "title": "Hiatus vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/hiatus-vs-rocket-money"
      },
      {
        "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/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-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-scribeup.json",
        "title": "Rocket Money vs ScribeUp",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-scribeup"
      },
      {
        "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-rocket-money.json",
        "title": "Copilot Money vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money"
      },
      {
        "json": "https://www.anchorterminal.com/compare/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-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/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-rocket-money.json",
        "title": "Plum vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/plum-vs-rocket-money"
      },
      {
        "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",
        "rocket-money": 15,
        "snoop": 60,
        "weight": 16
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 10,
        "edge": "rocket-money",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "rocket-money": 10,
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 0,
        "edge": "",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "rocket-money": 0,
        "snoop": 0,
        "weight": 13
      },
      {
        "by": 6,
        "edge": "snoop",
        "key": "security",
        "name": "Security \u0026 auth",
        "rocket-money": 0,
        "snoop": 6,
        "weight": 14
      },
      {
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "rocket-money": 30,
        "snoop": 30,
        "weight": 10
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 1,
        "edge": "rocket-money",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "rocket-money": 56,
        "snoop": 55,
        "weight": 7
      },
      {
        "by": 15,
        "edge": "snoop",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "rocket-money": 43,
        "snoop": 58,
        "weight": 7
      }
    ],
    "summary": "Snoop scores 26.7 (F) on agent readiness against Rocket Money's 17 (F), and leads in 3 of 7 scored categories. Rocket Money leads on schema \u0026 documentation. Both do subscription tracking.",
    "verdicts": {
      "rocket-money": "Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.",
      "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/rocket-money-vs-snoop",
    "json": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.json",
    "llms": "https://www.anchorterminal.com/llms.txt",
    "markdown": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md",
    "slim": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.min.md"
  },
  "markdown": "Snoop scores 26.7 (F) on agent readiness against Rocket Money's 17 (F), and leads in 3 of 7 scored categories. Rocket Money leads on schema \u0026 documentation. Both do subscription tracking.\n\n- Rocket Money: grade F, 17/100, rank #1046 of 1076. Markdown https://www.anchorterminal.com/tools/rocket-money.md · JSON https://www.anchorterminal.com/api/v1/tools/rocket-money.json\n- 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### Rocket Money (F)\n\nGood for: People in the US who want subscription cancellation and bill negotiation done for them.\n\nAhead on:\n- Schema \u0026 documentation, 10 against 0\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- Transparency \u0026 trust, 58 against 43\n\nWatch for: No public API or MCP server an outside agent can call.\n\n\n## Score by category\n\n| Category | Weight | Rocket Money | 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) | 10 | 0 | Rocket Money +10 |\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) | 30 | 30 | even |\n| Task success | 10%, pending | pending | pending | not scored in this run |\n| Maintenance \u0026 community | 7% (8.8 this run) | 56 | 55 | Rocket Money +1 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 43 | 58 | Snoop +15 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17 · F** | **26.7 · F** | |\n\n## Facts side by side\n\n| Fact | Rocket Money | Snoop |\n| --- | --- | --- |\n| Kind | Platform | Platform |\n| Vendor | Rocket Money, Inc. | Usnoop Limited |\n| Hosted endpoint | no (local only) | no (local only) |\n| Transports |  |  |\n| Auth | OAuth or key | OAuth or key |\n| Pricing | Freemium | Freemium |\n| x402 | no | no |\n| Licence | Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.). | Closed service under Snoop's terms and conditions (Usnoop Limited) |\n| Read-only variant documented | no | no |\n| llms.txt | yes | no |\n| Last release | 2026-10-13 | 2026-09-30 |\n| Terms last updated | 2023-12-01 | no date given |\n| Privacy policy last updated | couldn't be read | 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 | yes | not found in the text |\n| Arbitration or class-action waiver | yes | not found in the text |\n\n## Verdicts\n\n**Rocket Money.** Rocket Money combines budgeting, subscription cancellation and bill negotiation for people in its app and through Rowan, a text-message assistant, with weekly iOS releases. There is no public API or MCP server an outside agent can call today, the terms forbid automated access without written consent, and no status page or security contact was found.\n\n**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### Rocket Money\n\n1. Don't plan to call Rocket Money from another agent. There is no public API or MCP server, so hand subscription and bill tasks to the member in the app or Rowan.\n2. Don't use unofficial clients that take the member's session cookie. The terms forbid automated access without written consent.\n3. Tell the member bill negotiation costs 35 to 60 per cent of first-year savings unless they pay $15 a month for Premium+.\n\n### 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, Rocket Money or Snoop?\n\nSnoop scores 26.7 (F) on agent readiness against Rocket Money's 17 (F), and leads in 3 of 7 scored categories. Rocket Money leads on schema \u0026 documentation.\n\n\n## For agents\n\n- This comparison as JSON: https://www.anchorterminal.com/compare/rocket-money-vs-snoop.json, and with the fewest tokens: https://www.anchorterminal.com/compare/rocket-money-vs-snoop.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"rocket-money\", \"b\": \"snoop\"}`. From a terminal: `anchor compare rocket-money snoop`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/rocket-money.json and https://www.anchorterminal.com/api/v1/tools/snoop.json\n\n## Other comparisons with Rocket Money or Snoop\n\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)\n- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)\n- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.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- [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 Rocket Money](https://www.anchorterminal.com/compare/plum-vs-rocket-money.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 Rocket Money's 17 (F) for subscription tracking. Prices, MCP, x402, uptime and agent notes side by side.",
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    "title": "Rocket Money vs Snoop for AI agents in 2026: scores and prices",
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