Beyond Payday

Beyond Payday provides a personal finance platform that helps users track income, bills, debts, net worth, and retirement planning. Built by Shane Stebner through HTMLGuy LLC in St. Petersburg, Florida, it operates without venture capital, investors, or data sales, offering free and paid plans for comprehensive financial insights.

Beyond Payday is listed with 1 API on the APIs.io network. Tagged areas include Financial Planning, Retirement Planning, Household Budgeting, Personal Finance, and AI Assistant.

Beyond Payday’s developer surface includes support, pricing, getting-started guide, engineering blog, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

17.6/100 emerging Agent 19/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemium

1 API

Financial Planning Retirement PlanningHousehold BudgetingPersonal Finance AI AssistantDebt PayoffFinancial-Tools

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 17.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.6 / 17

Access Clarity 7.4 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the AI & Biometrics regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 9.5 — up to +18.1 composite points
Operational Transparency scores 5.3 — up to +12.3 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/beyondpayday-com/apis.yml: open an issue on github.com/api-evangelist/beyondpayday-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Beyond Payday API

Beyond Payday provides a personal finance platform with tools for budgeting, retirement planning, and financial tracking.

Beyond Payday API pricing

Prices published by Beyond Payday, read 2026-11-02 from beyondpayday.com/pricing.

Plan	Price
Free	$0/month
Pro	$9/month or $90/year (2 months free)

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Beyondpayday Com Plans Pricing

2 plans

PLANS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Beyondpayday Com Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Beyondpayday Com Vulnerability Disclosure

security.txt · contact published

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

GettingStarted

GettingStarted

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Access & Security 4

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: beyondpayday-com
name: Beyond Payday
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  probe_state: unreadable
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://beyondpayday.com/images/open-graph.jpg
description: Beyond Payday provides a personal finance platform that helps users track income, bills, debts, net worth, and
  retirement planning. Built by Shane Stebner through HTMLGuy LLC in St. Petersburg, Florida, it operates without venture
  capital, investors, or data sales, offering free and paid plans for comprehensive financial insights.
url: https://artifacts.apis.io/beyondpayday-com/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-02 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-02'
modified: '2026-11-02'
tags:
- Financial Planning
- Retirement Planning
- Household Budgeting
- Personal Finance
- AI Assistant
- Debt Payoff
- Financial-Tools
tags_raw:
- Financial Planning
- Retirement Planning
- Household Budgeting
- Personal Finance
- AI Assistant
- Debt Payoff
- Financial Tools
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/beyondpayday-com-plans-pricing.yml
- type: LLMsTxt
  url: llms/beyondpayday-com-llms.txt
- type: SecurityTxt
  url: well-known/beyondpayday-com-security.txt
- type: WellKnown
  url: well-known/beyondpayday-com-well-known.yml
- type: Hosts
  url: hosts/beyondpayday-com-hosts.yml
- type: Vendors
  url: vendors/beyondpayday-com-vendors.yml
- type: TermsOfService
  url: https://beyondpayday.com/terms
- type: Support
  url: https://beyondpayday.com/help
- type: Security
  url: https://beyondpayday.com/security
- type: PrivacyPolicy
  url: https://beyondpayday.com/privacy
- type: Pricing
  url: https://beyondpayday.com/pricing
- type: Newsroom
  url: https://beyondpayday.com/press
- type: Login
  url: https://beyondpayday.com/auth/login
- type: GettingStarted
  url: https://beyondpayday.com/help/getting-started
- type: Blog
  url: https://beyondpayday.com/blog
- type: VulnerabilityDisclosure
  url: security/beyondpayday-com-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/beyondpayday-com-domain-security.yml
- type: Website
  url: https://beyondpayday.com/
apis:
- name: Beyond Payday API
  description: Beyond Payday provides a personal finance platform with tools for budgeting, retirement planning, and financial
    tracking.
  humanURL: https://beyondpayday.com/help/getting-started
  aid: beyondpayday-com:beyond-payday-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Documentation is public but no machine‑readable OpenAPI, AsyncAPI, GraphQL, gRPC or WSDL was found despite probing.
  evidence:
  - url: https://beyondpayday.com/
    status: 200
x-enrichment:
  date: '2026-11-02'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Beyond Payday API — frequently asked questions

Does Beyond Payday have an API?

Yes. APIs.io lists 1 API from Beyond Payday, including Beyond Payday API.

How much does the Beyond Payday API cost?

Beyond Payday publishes its prices; its Free plan is $0/month as of 2026-11-02. APIs.io lists 2 pricing plans for Beyond Payday, with each plan's price, limits and inclusions under Pricing on this page.

Is the Beyond Payday API ready for AI agents?

Beyond Payday has a Kin Score of 17.6 out of 100 (emerging) and an Agent Readiness score of 18.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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