{
  "data": {
    "a": {
      "slug": "snoop",
      "name": "Snoop",
      "vendor": "Usnoop Limited",
      "vendorUrl": "https://snoop.app",
      "kind": "platform",
      "category": "personal-finance",
      "summary": "Snoop is a free UK money management app for iOS and Android. It connects bank accounts and cards through Open Banking to track spending, bills and subscriptions, set budgets and suggest savings, with a savings account and credit score checks.",
      "url": "https://www.anchorterminal.com/tools/snoop",
      "markdownUrl": "https://www.anchorterminal.com/tools/snoop.md",
      "slimMarkdownUrl": "https://www.anchorterminal.com/tools/snoop.min.md",
      "jsonUrl": "https://www.anchorterminal.com/api/v1/tools/snoop.json",
      "license": "Closed service under Snoop's terms and conditions (Usnoop Limited)",
      "transports": [],
      "packages": [],
      "auth": "mixed",
      "authNotes": "A Snoop account tied to the device and phone number, with a 5-digit key code or biometric login and two-factor checks. Banks connect through Open Banking; Snoop says it never sees bank passwords (https://snoop.app/security/).",
      "pricing": "freemium",
      "pricingNotes": "Snoop is free. Snoop Plus is £5.99 a month or £47.99 billed annually, per the Snoop Plus page (https://snoop.app/plus/). The UK App Store lists several Plus prices, from £3.99 to £5.99 a month and £31.99 to £47.99 a year, including promotional ones (https://apps.apple.com/gb/app/id1495077102).",
      "priceSummary": "Freemium",
      "where": "local",
      "x402": {
        "level": "no",
        "evidence": "No x402, MPP or L402 on snoop.app, the Snoop Plus page or the terms (checked 2026-10-14).",
        "endpoints": []
      },
      "toolCount": null,
      "popularity": {
        "githubStars": null,
        "npmWeekly": null,
        "pypiWeekly": null,
        "asOf": "2026-10-14"
      },
      "capabilities": [
        "finance.subscriptions",
        "finance.bills",
        "finance.budgets",
        "finance.transactions"
      ],
      "tags": [
        "not-for-agents",
        "hosted",
        "official",
        "closed-source",
        "freemium",
        "free-tier",
        "ios",
        "android",
        "uk",
        "status-page"
      ],
      "lastRelease": "2026-09-30",
      "graded": true,
      "anchor": {
        "graded": true,
        "score": 26.7,
        "grade": "F",
        "agentReady": false,
        "rank": 1027,
        "ranked": true,
        "rankOf": 1076,
        "categoryRank": 3,
        "methodology": "0.4",
        "run": "2026-10-01",
        "scores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 58
        },
        "pending": [
          "performance",
          "tasks"
        ],
        "assessment": {
          "confidence": "medium",
          "date": "2026-10-14"
        },
        "negative": 0,
        "verdict": "Snoop is a free UK app that tracks bills, subscriptions and spending through Open Banking, with a status page, a disclosure policy and named processors with data locations. There is no public API or MCP server an outside agent can call; the only route offered is a partnerships email for commercial and data partnerships.",
        "bestFor": "UK users who want bills and subscriptions watched and savings suggested at no cost.",
        "strengths": [
          "Free to use, with Snoop Plus priced on the site.",
          "Status page with no incident from 16 July to 14 October 2026.",
          "Processors named with data locations in the privacy policy.",
          "Responsible disclosure address with a published GPG key."
        ],
        "weaknesses": [
          "No public API or MCP server an outside agent can call.",
          "No retention periods in the privacy policy, and aggregated market research is sold.",
          "Terms and privacy policy carry no dates.",
          "No bug bounty or named security certification."
        ],
        "agentNotes": [
          "Don't plan to call Snoop from another agent. Hand the task to the person in the Snoop app.",
          "For a business data arrangement, the route is partnerships@snoop.app, not an API."
        ],
        "metrics": {
          "kind": "remote",
          "measured": false
        },
        "reviewCount": 0,
        "avgRating": 0,
        "history": [
          {
            "basis": "public evidence",
            "confidence": "medium",
            "grade": "F",
            "methodology": "0.4",
            "pending": [
              "performance",
              "tasks"
            ],
            "run": "2026-10-01",
            "runLabel": "October 2026 research run",
            "score": 26.7
          }
        ],
        "editorialScores": {
          "ergonomics": 0,
          "maintenance": 55,
          "payments": 30,
          "reliability": 60,
          "schema": 0,
          "security": 6,
          "transparency": 48
        },
        "provenanceScore": 67
      },
      "letme": {
        "capability": "https://letme.dev/finance.subscriptions",
        "tool": "https://letme.dev/snoop"
      },
      "area": "domain-data",
      "provenance": {
        "legalEntity": "Usnoop Limited",
        "domain": "snoop.app",
        "domainRegistered": "2018-05-08",
        "endpointOnVendorDomain": null,
        "terms": "https://snoop.app/terms/",
        "privacy": "https://snoop.app/privacy-policy/",
        "statusPage": "https://snoopstatus.statuspage.io",
        "changelog": "",
        "securityTxt": "none",
        "checked": "2026-10-14",
        "notes": [
          "The terms name Usnoop Limited, company number 11797870, registered office in Bradford, governed by the laws of England and Wales. No date was found on the terms or the privacy policy.",
          "snoop.app/.well-known/security.txt returns 404; a responsible disclosure page with a GPG key is at snoop.app/security-disclosure.",
          "The status page is a Statuspage site with app, account-linking and per-bank components.",
          "RDAP gives a registration date of 2018-05-08 for snoop.app."
        ],
        "score": 67
      },
      "pageJsonUrl": "https://www.anchorterminal.com/tools/snoop.json",
      "live": {
        "slug": "snoop",
        "vendorStatus": {
          "page": "https://snoopstatus.statuspage.io",
          "indicator": "none",
          "summary": "All Systems Operational",
          "checkedAt": "2026-10-14T09:39:41.423456754Z"
        },
        "updatedAt": "2026-10-14T09:39:41.423456754Z"
      }
    },
    "answer": "YNAB scores 65.1 (B) on agent readiness against Snoop's 26.7 (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": "Usnoop Limited",
        "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 Snoop's terms and conditions (Usnoop Limited)",
        "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": "no",
        "b": "no",
        "name": "llms.txt"
      },
      {
        "a": "2026-09-30",
        "b": "2026-09-17",
        "name": "Last release"
      },
      {
        "a": "no date given",
        "b": "2026-04-09",
        "name": "Terms last updated"
      },
      {
        "a": "no date given",
        "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": "not found in the text",
        "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 Snoop's 26.7 (F), and leads in 6 of 7 scored categories.",
        "question": "Which is better for AI agents, Snoop or YNAB?"
      },
      {
        "answer": "No hosted endpoint is listed for Snoop. YNAB has a hosted endpoint at https://api.ynab.com/v1.",
        "question": "Can an agent call Snoop and YNAB without installing anything?"
      }
    ],
    "goodFor": [
      {
        "aheadOn": null,
        "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."
      },
      {
        "aheadOn": [
          "Reliability, 82 against 60",
          "Schema \u0026 documentation, 77 against 0",
          "Agent ergonomics, 71 against 0",
          "Security \u0026 auth, 51 against 6",
          "Maintenance \u0026 community, 62 against 55",
          "Transparency \u0026 trust, 75 against 58"
        ],
        "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-snoop.json",
        "title": "Emma vs Snoop",
        "url": "https://www.anchorterminal.com/compare/emma-vs-snoop"
      },
      {
        "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-snoop.json",
        "title": "Quicken Simplifi vs Snoop",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop.json",
        "title": "Rocket Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/rocket-money-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/scribeup-vs-snoop.json",
        "title": "ScribeUp vs Snoop",
        "url": "https://www.anchorterminal.com/compare/scribeup-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop.json",
        "title": "Copilot Money vs Snoop",
        "url": "https://www.anchorterminal.com/compare/copilot-money-vs-snoop"
      },
      {
        "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-snoop.json",
        "title": "PocketGuard vs Snoop",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-snoop"
      },
      {
        "json": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab.json",
        "title": "PocketGuard vs YNAB",
        "url": "https://www.anchorterminal.com/compare/pocketguard-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.json",
        "title": "Quicken Simplifi vs YNAB",
        "url": "https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab"
      },
      {
        "json": "https://www.anchorterminal.com/compare/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/plum-vs-snoop.json",
        "title": "Plum vs Snoop",
        "url": "https://www.anchorterminal.com/compare/plum-vs-snoop"
      },
      {
        "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": 22,
        "edge": "ynab",
        "key": "reliability",
        "name": "Reliability",
        "snoop": 60,
        "weight": 16,
        "ynab": 82
      },
      {
        "key": "performance",
        "name": "Performance",
        "pending": true,
        "weight": 10
      },
      {
        "by": 77,
        "edge": "ynab",
        "key": "schema",
        "name": "Schema \u0026 documentation",
        "snoop": 0,
        "weight": 13,
        "ynab": 77
      },
      {
        "by": 71,
        "edge": "ynab",
        "key": "ergonomics",
        "name": "Agent ergonomics",
        "snoop": 0,
        "weight": 13,
        "ynab": 71
      },
      {
        "by": 45,
        "edge": "ynab",
        "key": "security",
        "name": "Security \u0026 auth",
        "snoop": 6,
        "weight": 14,
        "ynab": 51
      },
      {
        "by": 0,
        "edge": "",
        "key": "payments",
        "name": "Payments \u0026 pricing",
        "snoop": 30,
        "weight": 10,
        "ynab": 30
      },
      {
        "key": "tasks",
        "name": "Task success",
        "pending": true,
        "weight": 10
      },
      {
        "by": 7,
        "edge": "ynab",
        "key": "maintenance",
        "name": "Maintenance \u0026 community",
        "snoop": 55,
        "weight": 7,
        "ynab": 62
      },
      {
        "by": 17,
        "edge": "ynab",
        "key": "transparency",
        "name": "Transparency \u0026 trust",
        "snoop": 58,
        "weight": 7,
        "ynab": 75
      }
    ],
    "summary": "YNAB scores 65.1 (B) on agent readiness against Snoop's 26.7 (F), and leads in 6 of 7 scored categories. Both do budgets.",
    "verdicts": {
      "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.",
      "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 Snoop's 26.7 (F), and leads in 6 of 7 scored categories. Both do budgets.\n\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- 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### Snoop (F)\n\nGood for: UK users who want bills and subscriptions watched and savings suggested at no cost.\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 60\n- Schema \u0026 documentation, 77 against 0\n- Agent ergonomics, 71 against 0\n- Security \u0026 auth, 51 against 6\n- Maintenance \u0026 community, 62 against 55\n- Transparency \u0026 trust, 75 against 58\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 | Snoop | YNAB | Edge |\n| --- | --- | --- | --- | --- |\n| Reliability | 16% (20 this run) | 60 | 82 | YNAB +22 |\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) | 6 | 51 | YNAB +45 |\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) | 55 | 62 | YNAB +7 |\n| Transparency \u0026 trust | 7% (8.8 this run) | 58 | 75 | YNAB +17 |\n| Negative events | ≤15 | 0 | 0 | |\n| **Total** | | **26.7 · F** | **65.1 · B** | |\n\n## Facts side by side\n\n| Fact | Snoop | YNAB |\n| --- | --- | --- |\n| Kind | Platform | HTTP API |\n| Vendor | Usnoop Limited | 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 Snoop's terms and conditions (Usnoop Limited) | Proprietary service; SDKs Apache-2.0 |\n| Tools exposed | none | 0 |\n| Read-only variant documented | no | yes |\n| llms.txt | no | no |\n| Last release | 2026-09-30 | 2026-09-17 |\n| Terms last updated | no date given | 2026-04-09 |\n| Privacy policy last updated | no date given | 2026-04-09 |\n| Customer content may train models | not found in the text | not found in the text |\n| Terms restrict automated access | not found in the text | 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**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**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### 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### 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, Snoop or YNAB?\n\nYNAB scores 65.1 (B) on agent readiness against Snoop's 26.7 (F), and leads in 6 of 7 scored categories.\n\n### Can an agent call Snoop and YNAB without installing anything?\n\nNo hosted endpoint is listed for Snoop. 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/snoop-vs-ynab.json, and with the fewest tokens: https://www.anchorterminal.com/compare/snoop-vs-ynab.min.md\n- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {\"a\": \"snoop\", \"b\": \"ynab\"}`. From a terminal: `anchor compare snoop ynab`\n- Each listing in full: https://www.anchorterminal.com/api/v1/tools/snoop.json and https://www.anchorterminal.com/api/v1/tools/ynab.json\n\n## Other comparisons with Snoop or YNAB\n\n- [Emma vs Snoop](https://www.anchorterminal.com/compare/emma-vs-snoop.md)\n- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)\n- [Quicken Simplifi vs Snoop](https://www.anchorterminal.com/compare/quicken-simplifi-vs-snoop.md)\n- [Rocket Money vs Snoop](https://www.anchorterminal.com/compare/rocket-money-vs-snoop.md)\n- [ScribeUp vs Snoop](https://www.anchorterminal.com/compare/scribeup-vs-snoop.md)\n- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.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 Snoop](https://www.anchorterminal.com/compare/pocketguard-vs-snoop.md)\n- [PocketGuard vs YNAB](https://www.anchorterminal.com/compare/pocketguard-vs-ynab.md)\n- [Quicken Simplifi vs YNAB](https://www.anchorterminal.com/compare/quicken-simplifi-vs-ynab.md)\n- [Rocket Money vs YNAB](https://www.anchorterminal.com/compare/rocket-money-vs-ynab.md)\n- [Plum vs Snoop](https://www.anchorterminal.com/compare/plum-vs-snoop.md)\n- [Plum vs YNAB](https://www.anchorterminal.com/compare/plum-vs-ynab.md)\n",
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        "name": "Snoop vs YNAB",
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    "description": "YNAB scores 65.1 (B) to Snoop's 26.7 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.",
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      "Snoop F 26.7",
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    "title": "Snoop vs YNAB for AI agents in 2026: scores and prices",
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