{
  "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": "YNAB scores 65.1 (B) on agent readiness against Rocket Money's 17 (F), and leads in 6 of 7 scored categories.",
    "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": "Rocket Money, 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": "Freemium",
        "b": "Paid",
        "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": "Proprietary service; SDKs Apache-2.0",
        "name": "Licence"
      },
      {
        "a": "none",
        "b": "0",
        "name": "Tools exposed"
      },
      {
        "a": "no",
        "b": "yes",
        "name": "Read-only variant documented"
      },
      {
        "a": "yes",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-10-13",
        "b": "2026-09-17",
        "name": "Last release"
      },
      {
        "a": "2023-12-01",
        "b": "2026-04-09",
        "name": "Terms last updated"
      },
      {
        "a": "couldn't be read",
        "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": "yes",
        "b": "yes",
        "name": "Terms or service can change without notice"
      },
      {
        "a": "yes",
        "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 Rocket Money's 17 (F), and leads in 6 of 7 scored categories.",
        "question": "Which is better for AI agents, Rocket Money or YNAB?"
      },
      {
        "answer": "No hosted endpoint is listed for Rocket Money. YNAB has a hosted endpoint at https://api.ynab.com/v1.",
        "question": "Can an agent call Rocket Money and YNAB without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": null,
        "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, 82 against 15",
          "Schema \u0026 documentation, 77 against 10",
          "Agent ergonomics, 71 against 0",
          "Security \u0026 auth, 51 against 0",
          "Maintenance \u0026 community, 62 against 56",
          "Transparency \u0026 trust, 75 against 43"
        ],
        "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-rocket-money.json",
        "title": "Emma vs Rocket Money",
        "url": "https://www.anchorterminal.com/compare/emma-vs-rocket-money"
      },
      {
        "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/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/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/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/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-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-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/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/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-ynab.json",
        "title": "Plum vs YNAB",
        "url": "https://www.anchorterminal.com/compare/plum-vs-ynab"
      }
    ],
    "scores": [
      {
        "by": 67,
        "edge": "ynab",
        "key": "reliability",
        "name": "Reliability",
        "rocket-money": 15,
        "weight": 16,
        "ynab": 82
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 67,
        "edge": "ynab",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "rocket-money": 10,
        "weight": 13,
        "ynab": 77
      },
      {
        "by": 71,
        "edge": "ynab",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "rocket-money": 0,
        "weight": 13,
        "ynab": 71
      },
      {
        "by": 51,
        "edge": "ynab",
        "key": "security",
        "name": "Security \u0026 auth",
        "rocket-money": 0,
        "weight": 14,
        "ynab": 51
      },
      {
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "rocket-money": 30,
        "weight": 10,
        "ynab": 30
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 6,
        "edge": "ynab",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "rocket-money": 56,
        "weight": 7,
        "ynab": 62
      },
      {
        "by": 32,
        "edge": "ynab",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "rocket-money": 43,
        "weight": 7,
        "ynab": 75
      }
    ],
    "summary": "YNAB scores 65.1 (B) on agent readiness against Rocket Money's 17 (F), and leads in 6 of 7 scored categories. Both do budgets.",
    "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.",
      "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 Rocket Money's 17 (F), and leads in 6 of 7 scored categories. Both do budgets.\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- 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### Rocket Money (F)\n\nGood for: People in the US who want subscription cancellation and bill negotiation done for them.\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 10\n- Agent ergonomics, 71 against 0\n- Security \u0026 auth, 51 against 0\n- Maintenance \u0026 community, 62 against 56\n- Transparency \u0026 trust, 75 against 43\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 | Rocket Money | 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) | 10 | 77 | YNAB +67 |\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) | 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 | 62 | YNAB +6 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 43 | 75 | YNAB +32 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **17 · F** | **65.1 · B** | |\n\n## Facts side by side\n\n| Fact | Rocket Money | YNAB |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Rocket Money, 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 | Freemium | Paid |\n| x402 | no | no |\n| Licence | Closed service under the Rocket Money Terms of Service (Rocket Money, Inc., formerly Truebill, Inc.). | Proprietary service; SDKs Apache-2.0 |\n| Tools exposed | none | 0 |\n| Read-only variant documented | no | yes |\n| llms.txt | yes | no |\n| Last release | 2026-10-13 | 2026-09-17 |\n| Terms last updated | 2023-12-01 | 2026-04-09 |\n| Privacy policy last updated | couldn't be read | 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 | yes | yes |\n| Arbitration or class-action waiver | yes | yes |\n| Popularity | none | 240 stars, 9.6k npm/wk, 2.3k PyPI/wk |\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**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### 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### 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, Rocket Money or YNAB?\n\nYNAB scores 65.1 (B) on agent readiness against Rocket Money's 17 (F), and leads in 6 of 7 scored categories.\n\n### Can an agent call Rocket Money and YNAB without installing anything?\n\nNo hosted endpoint is listed for Rocket Money. 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/rocket-money-vs-ynab.json, and with the fewest tokens: https://www.anchorterminal.com/compare/rocket-money-vs-ynab.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"rocket-money\", \"b\": \"ynab\"}`. From a terminal: `anchor compare rocket-money ynab`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/rocket-money.json and https://www.anchorterminal.com/api/v1/tools/ynab.json\n\n## Other comparisons with Rocket Money or YNAB\n\n- [Emma vs Rocket Money](https://www.anchorterminal.com/compare/emma-vs-rocket-money.md)\n- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)\n- [Quicken Simplifi vs Rocket Money](https://www.anchorterminal.com/compare/quicken-simplifi-vs-rocket-money.md)\n- [Rocket Money vs ScribeUp](https://www.anchorterminal.com/compare/rocket-money-vs-scribeup.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.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 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- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-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 YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n",
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    "description": "YNAB scores 65.1 (B) to Rocket Money's 17 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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      "Rocket Money F 17",
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