# Beyond Payday

**Canonical:** https://apis.io/providers/beyondpayday-com/  
**Website:** https://beyondpayday.com/  
**APIs profiled:** 1

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.

## Kin Score — 17.6 / 100 (emerging)

Scored 2026-11-06 under rubric 0.27.0.

| Facet | Score |
|---|---|
| Discoverability | 58.0 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 9.5 |
| Access Clarity | 43.4 |

Regulatory layer — **AI & Biometrics**: 21.6 (matched via residual_tags).

## Agent readiness — 18.7 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | served |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: low).

## APIs (1)

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

## Security (2)

- **Beyondpayday Com Domain Security** — TLSv1.3 · HSTS · DMARC
- **Beyondpayday Com Vulnerability Disclosure** — security.txt · contact published

## Plans (1)

- **Beyondpayday Com Plans Pricing**

## Tags

Financial Planning, Retirement Planning, Household Budgeting, Personal Finance, AI Assistant, Debt Payoff, Financial-Tools

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/beyondpayday-com/). Scores are computed from the provider's own public artifacts under a published rubric.