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@smurmann/ynab-mcp
@smurmann/ynab-mcp/dist/index.js

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Readme

ynab-mcp

A Model Context Protocol (MCP) server that connects Claude to your YNAB budget. Ask Claude questions about your finances, log transactions, adjust your budget, and more — all in natural language.

Each user runs their own instance with their own YNAB token. Your financial data never leaves your machine.

What you can do

Check balances — "What's my checking account balance?"
Review your budget — "How much do I have left in Groceries this month?"
See spending — "What did I spend on restaurants in March?"
Log transactions — "Add a $45 lunch at Chipotle to my Dining Out category"
Approve imports — "Show me my unapproved transactions and approve them all"
Manage recurring bills — "What bills are coming up this month?"
Adjust budget amounts — "Move $100 more into my Car Maintenance envelope"

Prerequisites

Node.js 18 or later
A YNAB account
A YNAB Personal Access Token (free, see below)

Getting a YNAB Token

Log in to YNAB
Go to Account Settings → Developer Settings
Click New Token, give it a name, and copy the token

Installation

Option A: npx (no install required)

{
  "mcpServers": {
    "ynab": {
      "command": "npx",
      "args": ["-y", "ynab-mcp"],
      "env": {
        "YNAB_TOKEN": "your-token-here"
      }
    }
  }
}

Option B: Global install

npm install -g ynab-mcp

{
  "mcpServers": {
    "ynab": {
      "command": "ynab-mcp",
      "env": {
        "YNAB_TOKEN": "your-token-here"
      }
    }
  }
}

Claude Code setup

Run this command to add the MCP server:

claude mcp add ynab -e YNAB_TOKEN=your-token-here -- npx -y ynab-mcp

Or add it manually via Claude Code → Settings → MCP Servers.

Then restart Claude Code and ask something like: "What's my budget status this month?"

Optional: set a default budget

If you have multiple YNAB budgets, you can pin one so you don't need to specify it every time. Add YNAB_BUDGET_ID alongside your token:

claude mcp add ynab -e YNAB_TOKEN=your-token-here -e YNAB_BUDGET_ID=your-budget-id -- npx -y ynab-mcp

Run list_budgets in Claude to find your budget ID.

Available tools

Tool	Description
`list_budgets`	List all your YNAB budgets
`list_accounts`	List accounts with current balances
`list_categories`	List all budget categories with assigned/spent/available amounts
`get_category_for_month`	Get a category's amounts for a specific month
`update_category_budget`	Change how much is assigned to a category
`get_budget_month`	Monthly summary: income, spending, Ready to Assign, Age of Money
`list_budget_months`	All months with summary totals
`list_transactions`	List transactions, filterable by account/category/payee/date/status
`create_transaction`	Log a new transaction
`update_transaction`	Edit an existing transaction
`approve_transactions`	Bulk-approve multiple transactions
`list_scheduled_transactions`	List upcoming recurring transactions
`create_scheduled_transaction`	Set up a new recurring transaction
`list_payees`	List all payees

Rate limits

YNAB allows 200 API requests per hour per token. Normal conversational use stays well within this limit.

License

MIT