Ynab MCP server for AI agents and assistants

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with Ynab MCP or direct API to track expenses, create budgets, categorize transactions, and analyze financial trends through natural language.

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YNAB (You Need A Budget) is a personal finance and budgeting platform that helps users track spending, plan budgets, and reach savings goals. It's designed to give you more control over your money and reduce financial stress.

27 Tools

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Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
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TOOLS

Supported Tools

Every Ynab action and event your agent gets out of the box.

Create a new account in a budget

Tool to create a new account in a budget.

Create Scheduled Transaction

Creates a scheduled (recurring) transaction in a YNAB budget.

Delete Scheduled Transaction

Permanently deletes a scheduled transaction from a YNAB budget.

Get Account by ID

Tool to retrieve a single account resource.

Get Budget By ID

Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions.

Get Budget Month

Tool to retrieve a specific budget month.

Get Budget Settings

Tool to retrieve budget-level settings.

Get Category by ID

Retrieve a single YNAB budget category by its ID.

Get Month Category By ID

Tool to retrieve a single category for a specific budget month.

Get Payee by ID

Tool to retrieve a single payee by its ID.

Get Scheduled Transaction by ID

Tool to retrieve a single scheduled transaction.

Get Transaction by ID

Tool to retrieve a single transaction by its ID.

Get Authorized User

Tool to retrieve the authorized user's information.

List Accounts

Retrieves all accounts for a specified YNAB budget.

List Budgets

Retrieves all budgets accessible to the authenticated YNAB user.

List Categories

Tool to list all category groups and their categories for a budget.

List Budget Months

Tool to list months for a budget with summary information.

List Payee Locations

Retrieves all GPS locations associated with payees in a budget.

List Payee Locations by Payee

Retrieves all GPS locations associated with a specific payee in a budget.

List payees in a budget

Tool to list payees in a budget.

List Scheduled Transactions

List all scheduled (recurring) transactions for a YNAB budget.

List Transactions

Tool to list transactions in a budget.

List Transactions by Account

Tool to list transactions for a specific account.

List Transactions by Category

Tool to list transactions for a specific category (excludes pending).

List Transactions by Payee

Tool to list transactions for a specific payee in a budget.

Update Payee

Tool to update a payee.

Update Scheduled Transaction

Update an existing scheduled transaction in YNAB.

SETUP GUIDE

Connect Ynab MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/mcp @ai-sdk/openai
Install the Composio SDK and your agent framework
2

Create a session with MCP enabled

typescript
import { Composio } from "@composio/core";

const composio = new Composio();
const { mcp } = await composio.create("your-user-id", {
  toolkits: ["ynab"],
  mcp: true,
});
Create a session scoped to Ynab and read its MCP URL and headers
3

Connect your agent to the MCP server

typescript
import { createMCPClient } from "@ai-sdk/mcp";
import { openai } from "@ai-sdk/openai";
import { generateText, stepCountIs } from "ai";

const client = await createMCPClient({
  transport: { type: "http", url: mcp.url, headers: mcp.headers },
});

const { text } = await generateText({
  model: openai("gpt-5.6-sol"),
  tools: await client.tools(),
  prompt: "Show my total spending for this month",
  stopWhen: stepCountIs(10),
});

console.log(text);
await client.close();
Pass the session's MCP URL and headers to your agent and run a Ynab request
SETUP GUIDE

Connect Ynab API Tool with your Agent

1

Install Composio

typescript
npm install @composio/core @composio/openai openai
Install the Composio SDK, the OpenAI provider, and the OpenAI SDK
2

Create a Composio session

typescript
import OpenAI from "openai";
import { Composio } from "@composio/core";
import { OpenAIResponsesProvider } from "@composio/openai";

const composio = new Composio({ provider: new OpenAIResponsesProvider() });
const client = new OpenAI();

const session = await composio.create("your-user-id", { toolkits: ["ynab"] });
const tools = await session.tools();
Initialize Composio with the OpenAI Responses provider and create a session scoped to Ynab
3

Run Ynab tools with your agent

typescript
let response = await client.responses.create({
  model: "gpt-5.6-sol",
  tools,
  input: [{ role: "user", content: "Show my total spending for this month" }],
});

while (response.output.some((o) => o.type === "function_call")) {
  const outputs = await composio.provider.handleToolCalls(session, response.output);
  response = await client.responses.create({
    model: "gpt-5.6-sol",
    tools,
    previous_response_id: response.id,
    input: outputs,
  });
}

console.log(response.output_text);
Send a request, execute the Ynab tool calls through the session, and print the final answer

Why Use Composio?

AI Native Ynab Integration

  • Supports both Ynab MCP and direct API based integrations
  • Structured, LLM-friendly schemas for reliable tool execution
  • Rich coverage for reading, writing, and querying your Ynab data

Managed Auth

  • Built-in OAuth handling with automatic token refresh and rotation
  • Central place to manage, scope, and revoke Ynab access
  • Per user and per environment credentials instead of hard-coded keys

Agent Optimized Design

  • Tools are tuned using real error and success rates to improve reliability over time
  • Comprehensive execution logs so you always know what ran, when, and on whose behalf

Enterprise Grade Security

  • Fine-grained RBAC so you control which agents and users can access Ynab
  • Scoped, least privilege access to Ynab resources
  • Full audit trail of agent actions to support review and compliance

Rolling this out across your team?

Give your team centralized access control across every framework with Composio’s MCP Gateway.

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FAQ

Frequently asked questions

No. Composio provides a managed OAuth app for Ynab, so you sign in with your normal Ynab account and approve access. If you later want the consent screen to show your own company name, you can add your own Ynab OAuth app in the Composio dashboard, and every connection after that uses it.

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Yes. Composio is SOC 2 Type II compliant and is built to keep your Ynab connection and credentials secure. OAuth tokens and API keys are encrypted, and sensitive customer data is protected at rest and in transit.

Composio also undergoes independent security testing and continuously monitors its systems for security threats. You can review the latest reports and policies in the Composio Trust Center.

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

When you connect a Ynab account through Composio, every action runs under that account, so anything the agent creates, sends, or changes shows up in Ynab as done by you. Keep an approval step in your prompt for actions with side effects, such as sending or deleting, and have the agent draft first.

Exactly the ones Ynab lists on its consent screen when you connect. Review that screen before approving. If you connect a work account, your Ynab administrator may need to approve the app first, and you can revoke the access inside Ynab whenever you want.

Yes. Composio supports multiple connected accounts for the same app, and that works in Claude, ChatGPT, or any other assistant you connect through Composio. Give each Ynab connection a name such as work or personal, and the assistant uses the one you mention in the request. Each account keeps its own credentials and nothing is merged.

Composio refreshes Ynab tokens automatically, so day to day you do nothing. If you revoke access inside Ynab, or Ynab invalidates the session, the connection shows as expired in Composio and the agent stops acting on that account until you reconnect it, which is a single sign-in.

Composio's free Hobby plan includes 100,000 tool calls per month with no credit card, and up to 20,000 of those can run through Composio-managed apps like Ynab. Personal Ynab use rarely gets near that. Paid plans add higher limits and team features, and Ynab's own pricing is unaffected.

Built-in connectors usually give one AI access to a limited set of apps. Many people use Composio because it lets their AI connect to more apps than it normally supports, or connect to multiple accounts for the same app (e.g. connect Claude to multiple Ynab accounts).

With Composio, you connect Ynab once and then use it across different AI assistants without setting it up separately in each one. Connect your apps to Composio once, then connect Composio to whichever AI you use, whether that's Claude, ChatGPT, Hermes, or your own custom assistant.

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