# Ynab

```json
{
  "name": "Ynab",
  "slug": "ynab",
  "url": "https://composio.dev/toolkits/ynab",
  "markdown_url": "https://composio.dev/toolkits/ynab.md",
  "logo_url": "https://logos.composio.dev/api/ynab",
  "categories": [
    "finance & accounting"
  ],
  "is_composio_managed": true,
  "updated_at": "2026-05-12T10:30:56.806Z"
}
```

![Ynab logo](https://logos.composio.dev/api/ynab)

## Description

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.

## Summary

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.

## Categories

- finance & accounting

## Toolkit Details

- Tools: 27
- Managed auth: Managed by Composio

## Images

- Logo: https://logos.composio.dev/api/ynab

## Authentication

- **Oauth2**
  - Type: `oauth2`
  - Description: Oauth2 authentication for YNAB.
  - Setup:
    - Configure Oauth2 credentials for YNAB.
    - Use the credentials when creating an auth config in Composio.

## Suggested Prompts

- Show my spending by category this week
- Add a new expense to groceries
- List upcoming scheduled transactions
- Summarize budget status for this month

## Supported Tools

| Tool slug | Name | Description |
|---|---|---|
| `YNAB_CREATE_ACCOUNT` | Create a new account in a budget | Tool to create a new account in a budget. Use when you need to add a manual (non-linked) account to a specific budget. |
| `YNAB_CREATE_SCHEDULED_TRANSACTION` | Create Scheduled Transaction | Creates a scheduled (recurring) transaction in a YNAB budget. Use this to set up bills, recurring expenses, or income that repeats on a schedule. Requires an account_id (from YNAB_LIST_ACCOUNTS), a date, frequency, and amount in milliunits. |
| `YNAB_DELETE_SCHEDULED_TRANSACTION` | Delete Scheduled Transaction | Permanently deletes a scheduled transaction from a YNAB budget. Use this when a recurring transaction is no longer needed. This action cannot be undone. Obtain the scheduled_transaction_id from list_scheduled_transactions or get_scheduled_transaction_by_id before calling this. |
| `YNAB_GET_ACCOUNT_BY_ID` | Get Account by ID | Tool to retrieve a single account resource. Use when you need details of a specific account by its ID after determining the budget. |
| `YNAB_GET_BUDGET_BY_ID` | Get Budget By ID | Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions. Use this tool when you need comprehensive budget data. The response includes: - Budget metadata (name, date/currency formats) - All accounts with balances - Category groups and categories with budgeted amounts and balances - All payees - All transactions and scheduled transactions (optional, may be large) For incremental syncing, use last_knowledge_of_server to only fetch changes since your last request. Note: Currency amounts are in 'milliunits' format (divide by 1000 for standard units). |
| `YNAB_GET_BUDGET_MONTH` | Get Budget Month | Tool to retrieve a specific budget month. Use when you need detailed summary and category budgets for a given month after confirming the budget ID. Monetary amounts are returned in milliunits (divide by 1000 for standard currency). Response includes high-level aggregates and a nested category array within the month payload for per-category budget analysis. |
| `YNAB_GET_BUDGET_SETTINGS` | Get Budget Settings | Tool to retrieve budget-level settings. Use when you need to fetch currency and date formatting preferences for a specific budget. |
| `YNAB_GET_CATEGORY_BY_ID` | Get Category by ID | Retrieve a single YNAB budget category by its ID. Use this to get detailed category information including budgeted amounts, activity, balance, and goal settings. Amounts are returned for the current budget month (UTC). Requires both budget_id and category_id - use 'last-used' or 'default' for budget_id if you don't have a specific budget ID. |
| `YNAB_GET_MONTH_CATEGORY_BY_ID` | Get Month Category By ID | Tool to retrieve a single category for a specific budget month. Use after selecting the budget and month when you need month-specific category details. |
| `YNAB_GET_PAYEE_BY_ID` | Get Payee by ID | Tool to retrieve a single payee by its ID. Use when you need full details of a payee after confirming the budget and payee selection. |
| `YNAB_GET_SCHEDULED_TRANSACTION_BY_ID` | Get Scheduled Transaction by ID | Tool to retrieve a single scheduled transaction. Use when you need details of a specific scheduled transaction by its ID after confirming the budget. |
| `YNAB_GET_TRANSACTION_BY_ID` | Get Transaction by ID | Tool to retrieve a single transaction by its ID. Use when you need detailed information for a specific transaction after confirming the budget. |
| `YNAB_GET_USER` | Get Authorized User | Tool to retrieve the authorized user's information. Use after authentication to get current user details. |
| `YNAB_LIST_ACCOUNTS` | List Accounts | Retrieves all accounts for a specified YNAB budget. Use this tool to: - Get a complete list of accounts (checking, savings, credit cards, loans, etc.) in a budget - Retrieve account IDs for use with other YNAB account-related operations - Monitor account balances (current, cleared, and uncleared) - Perform efficient delta syncing by passing last_knowledge_of_server Returns account details including balances in milliunits (1000 milliunits = 1 currency unit). For example, a balance of 150000 milliunits equals $150.00. Note: Use 'default' or 'last-used' as budget_id for convenience, or obtain specific budget UUIDs from the List Budgets endpoint. |
| `YNAB_LIST_BUDGETS` | List Budgets | Retrieves all budgets accessible to the authenticated YNAB user. Use this tool to: - Get a list of all budgets in the user's YNAB account - Retrieve budget IDs for use with other YNAB operations - Optionally include account details for each budget Returns budget summaries including name, last modification time, date range, and formatting preferences. Budget IDs from this response are required for most other YNAB API operations. |
| `YNAB_LIST_CATEGORIES` | List Categories | Tool to list all category groups and their categories for a budget. Use when you need the full set of budget categories or only those changed since last sync. Category names may include emojis or near-identical labels; always use category_id from the response in downstream requests. |
| `YNAB_LIST_MONTHS` | List Budget Months | Tool to list months for a budget with summary information. Use when you need an overview of all months or only changed months since a given knowledge value (delta requests). |
| `YNAB_LIST_PAYEE_LOCATIONS` | List Payee Locations | Retrieves all GPS locations associated with payees in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees. Use this tool when you need to find all recorded locations for payees in a budget. Note: Not all payees will have locations recorded. |
| `YNAB_LIST_PAYEE_LOCATIONS_BY_PAYEE` | List Payee Locations by Payee | Retrieves all GPS locations associated with a specific payee in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees. Use this tool when you need to find where a payee's transactions typically occur. Note: Not all payees will have locations recorded. |
| `YNAB_LIST_PAYEES` | List payees in a budget | Tool to list payees in a budget. Use when you need all payees or only those changed since a known server knowledge value. |
| `YNAB_LIST_SCHEDULED_TRANSACTIONS` | List Scheduled Transactions | List all scheduled (recurring) transactions for a YNAB budget. Returns future-dated transactions that repeat on a schedule (e.g., rent, subscriptions, paychecks). Supports delta sync to fetch only changes since a previous request using the server_knowledge value. |
| `YNAB_LIST_TRANSACTIONS` | List Transactions | Tool to list transactions in a budget. Use when you need all or delta-filtered transactions after confirming the budget. Omitting all filters returns the full transaction history, which may produce large payloads; prefer since_date, type, or last_knowledge_of_server to scope results. |
| `YNAB_LIST_TRANSACTIONS_BY_ACCOUNT` | List Transactions by Account | Tool to list transactions for a specific account. Use when you need all or delta-filtered transactions for a given account after confirming the budget and account ID. |
| `YNAB_LIST_TRANSACTIONS_BY_CATEGORY` | List Transactions by Category | Tool to list transactions for a specific category (excludes pending). Use when you need completed transactions for a given category after obtaining budget_id and category_id. Response includes deleted transactions; filter client-side using the deleted boolean field. |
| `YNAB_LIST_TRANSACTIONS_BY_PAYEE` | List Transactions by Payee | Tool to list transactions for a specific payee in a budget. Use when you need to fetch all non-pending transactions for a payee after confirming budget and payee IDs. |
| `YNAB_UPDATE_PAYEE` | Update Payee | Tool to update a payee. Use when you need to rename an existing payee. |
| `YNAB_UPDATE_SCHEDULED_TRANSACTION` | Update Scheduled Transaction | Update an existing scheduled transaction in YNAB. Allows modifying the date, frequency, amount, payee, category, memo, or account of a scheduled transaction. Use YNAB_LIST_SCHEDULED_TRANSACTIONS first to get the scheduled_transaction_id. Amounts should be in milliunits (negative for expenses, positive for income). |

## Supported Triggers

None listed.

## Installation and MCP Setup

### Path 1: SDK Installation

#### Path 1, Step 1: Install Composio

Install the Composio SDK
```python
pip install composio_openai
```

```typescript
npm install @composio/openai
```

#### Path 1, Step 2: Initialize Composio and Create Tool Router Session

Import and initialize Composio client, then create a Tool Router session
```python
from openai import OpenAI
from composio import Composio
from composio_openai import OpenAIResponsesProvider

composio = Composio(provider=OpenAIResponsesProvider())
openai = OpenAI()
session = composio.create(user_id='your-user-id')
```

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

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
```

#### Path 1, Step 3: Execute Ynab Tools via Tool Router with Your Agent

Get tools from Tool Router session and execute Ynab actions with your Agent
```python
tools = session.tools
response = openai.responses.create(
  model='gpt-4.1',
  tools=tools,
  input=[{
    'role': 'user',
    'content': 'Show my total spending for this month'
  }]
)
result = composio.provider.handle_tool_calls(
  response=response,
  user_id='your-user-id'
)
print(result)
```

```typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'Show my total spending for this month'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
```

### Path 2: MCP Server Setup

#### Path 2, Step 1: Install Composio

Install the Composio SDK and Claude Agent SDK
```python
pip install composio claude-agent-sdk
```

```typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
```

#### Path 2, Step 2: Create Tool Router Session

Initialize the Composio client and create a Tool Router session
```python
from composio import Composio
from claude_agent_sdk import ClaudeSDKClient, ClaudeAgentOptions

composio = Composio(api_key='your-composio-api-key')
session = composio.create(user_id='your-user-id')
url = session.mcp.url
```

```typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });

console.log("Creating Tool Router session...");
const { mcp } = await composio.create('your-user-id');
console.log(`Tool Router session created: ${mcp.url}`);
```

#### Path 2, Step 3: Connect to AI Agent

Use the MCP server with your AI agent
```python
import asyncio

options = ClaudeAgentOptions(
    permission_mode='bypassPermissions',
    mcp_servers={
        'tool_router': {
            'type': 'http',
            'url': url,
            'headers': {
                'x-api-key': 'your-composio-api-key'
            }
        }
    },
    system_prompt='You are a helpful assistant with access to Ynab tools.',
    max_turns=10
)

async def main():
    async with ClaudeSDKClient(options=options) as client:
        await client.query('Show my total spending for this month')
        async for message in client.receive_response():
            if hasattr(message, 'content'):
                for block in message.content:
                    if hasattr(block, 'text'):
                        print(block.text)

asyncio.run(main())
```

```typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText, stepCountIs } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: mcp.url,
    headers: { 'x-api-key': 'your-composio-api-key' }
  }
});

const tools = await client.tools();

const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{ role: 'user', content: 'Show my total spending for this month' }],
  stopWhen: stepCountIs( 5 )
});

console.log(`Agent: ${text}`);
```

## Why Use Composio?

### 1. 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

### 2. 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

### 3. 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

### 4. 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

## Use Ynab with any AI Agent Framework

Choose a framework you want to connect Ynab with:

- [OpenAI Agents SDK](https://composio.dev/toolkits/ynab/framework/open-ai-agents-sdk)
- [Claude Agent SDK](https://composio.dev/toolkits/ynab/framework/claude-agents-sdk)
- [Claude Code](https://composio.dev/toolkits/ynab/framework/claude-code)
- [Claude Cowork](https://composio.dev/toolkits/ynab/framework/claude-cowork)
- [Codex](https://composio.dev/toolkits/ynab/framework/codex)
- [OpenClaw](https://composio.dev/toolkits/ynab/framework/openclaw)
- [Hermes](https://composio.dev/toolkits/ynab/framework/hermes-agent)
- [Google ADK](https://composio.dev/toolkits/ynab/framework/google-adk)
- [LangChain](https://composio.dev/toolkits/ynab/framework/langchain)
- [Vercel AI SDK](https://composio.dev/toolkits/ynab/framework/ai-sdk)
- [Mastra AI](https://composio.dev/toolkits/ynab/framework/mastra-ai)
- [LlamaIndex](https://composio.dev/toolkits/ynab/framework/llama-index)
- [CrewAI](https://composio.dev/toolkits/ynab/framework/crew-ai)
- [Pydantic AI](https://composio.dev/toolkits/ynab/framework/pydantic-ai)
- [AutoGen](https://composio.dev/toolkits/ynab/framework/autogen)

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- [Altoviz](https://composio.dev/toolkits/altoviz) - Altoviz is a cloud-based billing and invoicing platform for businesses. It streamlines online payments, expense tracking, and customizable invoice management.
- [Benzinga](https://composio.dev/toolkits/benzinga) - Benzinga provides real-time financial news and data APIs for market coverage. It helps you track breaking news and actionable market insights instantly.
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- [Coupa](https://composio.dev/toolkits/coupa) - Coupa is a business spend management platform for procurement, invoicing, and expenses. It helps organizations streamline purchasing, control costs, and gain complete visibility over financial operations.
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- [Eagle doc](https://composio.dev/toolkits/eagle_doc) - Eagle doc is an AI-powered OCR API for invoices and receipts. It delivers fast, reliable, and accurate document data extraction for seamless automation.
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## Frequently Asked Questions

### Do I need my own developer credentials to use Ynab with Composio?

No, you can get started immediately using Composio's built-in Ynab app. For production, we recommend configuring your own OAuth credentials.

### Can I use multiple toolkits together?

Yes! Composio's Tool Router enables agents to use multiple toolkits. [Learn more](https://docs.composio.dev/tool-router/overview).

### Is Composio secure?

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. [Learn more](https://trust.composio.dev).

### What if the API changes?

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

---
[See all toolkits](https://composio.dev/toolkits) · [Composio docs](https://docs.composio.dev/llms.txt)