How to integrate Ynab MCP with Atomic Agent

Atomic Agent is an open-source AI agent that runs on your machine and supports local models through llama.cpp. Connect it to 1,500+ apps through Composio, including Ynab.

This guide uses Atomic Agent's built-in Composio integration. You need Atomic Agent v0.5.6 or later, your own Composio API key, and a Ynab account. See the Atomic Agent documentation for installation instructions.

How Atomic Agent connects to Ynab

Atomic Agent connects to Composio's Tool Router over Streamable HTTP MCP. It discovers the tools needed for your request, and Composio handles account authentication.

Execution and account-connection tools follow Atomic Agent's configured approval policy. Review any approval prompt before allowing an action on your connected account.

Connect Ynab to Atomic Agent

1. Sign up or sign in to the Composio dashboard. Copy your API key.
2. In Atomic Agent, open the Integrations tab and select Composio. Select API key, press e, paste the key, and press Enter. The tools become available immediately, without a restart.
3. Ask Atomic Agent to do something in Ynab. It searches Composio for the right tool.
4. On first use, open the sign-in link returned in the chat. Connect your Ynab account, then return to Atomic Agent to continue.

Headless setup

Add the following line to ~/.atomic-agent/.env, replacing YOUR_COMPOSIO_API_KEY with your key. Start Atomic Agent after saving the file.

The Ynab MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Ynab account. It provides structured and secure access to your budgeting data, so your agent can perform actions like tracking expenses, creating and adjusting budgets, fetching transaction history, and analyzing spending patterns on your behalf.

• Automated transaction tracking: Let your agent fetch, categorize, or summarize recent transactions to keep your spending up to date.
• Budget creation and adjustment: Instruct your agent to set up new budgets, update existing categories, or reallocate funds between envelopes as your needs change.
• Spending analysis and reporting: Have your agent analyze your expenses, highlight trends, or generate summaries to help you understand where your money goes.
• Goal monitoring and progress updates: Ask your agent to track progress toward savings or debt payoff goals, and notify you of milestones or needed adjustments.
• Account and balance synchronization: Enable your agent to pull up-to-date balances from multiple accounts, ensuring your budget always reflects the latest financial picture.

Use Ynab from Atomic Agent

With your account connected, ask Atomic Agent to work with Ynab in natural language. You can connect more apps through the same Composio integration as you need them.

Visit the Atomic Agent website or inspect the Atomic Agent source code.