# How to integrate Ynab MCP with Atomic Agent ```json { "title": "How to integrate Ynab MCP with Atomic Agent", "toolkit": "Ynab", "toolkit_slug": "ynab", "framework": "Atomic Agent", "framework_slug": "atomic-agent", "url": "https://composio.dev/toolkits/ynab/framework/atomic-agent", "markdown_url": "https://composio.dev/toolkits/ynab/framework/atomic-agent.md", "updated_at": "2026-08-11T13:16:25.310Z" } ``` ## Introduction 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](https://atomicagent.io/docs/?cta_placement=atomic-agent-docs) for installation instructions. ## Also integrate 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) ## TL;DR ### 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 ### Connect Ynab to Atomic Agent - Sign up or sign in to the [Composio dashboard](https://dashboard.composio.dev/?cta_placement=atomic-agent-api-key). Copy your API key. - 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. - Ask Atomic Agent to do something in Ynab. It searches Composio for the right tool. - 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. ```bash COMPOSIO_API_KEY=YOUR_COMPOSIO_API_KEY ``` ## What is the Ynab MCP server, and what's possible with it? 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. ## 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. ## Troubleshooting ### Why is my API key rejected? Copy the key directly from the Composio dashboard. Atomic Agent requires ASCII characters because it sends the key in an HTTP header. Remove any extra characters introduced when copying. ### Why are Composio tools unavailable after saving a key? Check that you use Atomic Agent v0.5.6 or later and that Composio is enabled in your configuration. A "composio": { "enabled": false } setting disables the integration while keeping the saved key on disk. ### Does Composio have a free plan? The Hobby plan includes 100,000 tool calls per month. Composio-managed OAuth apps have a lower included allowance. See [Composio pricing](/pricing) for the current limits that apply to your connection. ## Complete Code None listed. ## Conclusion ### 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](https://atomicagent.io/?cta_placement=atomic-agent-site) or inspect the [Atomic Agent source code](https://github.com/AtomicBot-ai/atomic-agent?cta_placement=atomic-agent-repo). ## How to build Ynab MCP Agent with another framework - [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) ## Related Toolkits - [Stripe](https://composio.dev/toolkits/stripe) - Stripe is a global online payments platform offering APIs for managing payments, customers, and subscriptions. 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It makes exchanging and managing crypto simple and secure for everyone. - [Coinbase Wallet MCP](https://composio.dev/toolkits/coinbase_wallet_mcp) - Coinbase Wallet MCP is Coinbase's wallet service for interacting with onchain accounts. Use it to give agents secure, structured access to inspect wallets and request onchain actions. - [Coinranking](https://composio.dev/toolkits/coinranking) - Coinranking is a comprehensive cryptocurrency market data platform offering access to real-time coin prices, market caps, and historical data. Get accurate, up-to-date stats for thousands of digital assets in one place. - [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. - [CurrencyScoop](https://composio.dev/toolkits/currencyscoop) - CurrencyScoop is a developer-friendly API for real-time and historical currency exchange rates. Easily access fiat and crypto data for smart, up-to-date financial applications. ## Frequently Asked Questions ### What are the differences in Tool Router MCP and Ynab MCP? With a standalone Ynab MCP server, the agents and LLMs can only access a fixed set of Ynab tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Ynab and many other apps based on the task at hand, all through a single MCP endpoint. ### Can I use Tool Router MCP with Atomic Agent? Yes, you can. Atomic Agent fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Ynab tools. ### Can I manage the permissions and scopes for Ynab while using Tool Router? Yes, absolutely. You can configure which Ynab scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do. ### How safe is my data with Composio Tool Router? All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Ynab data and credentials are handled as safely as possible. --- [See all toolkits](https://composio.dev/toolkits) ยท [Composio docs](https://docs.composio.dev/llms.txt)