Ynab Mcpb

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Summary

Connects Claude to your YNAB budget via the official API with 28 tools covering transactions, accounts, categories, payees, and monthly summaries. The standout feature is receipt itemization: paste a receipt and get a split transaction with tax distributed across line items. Also includes bank reconciliation that fuzzy matches CSV imports against existing transactions to catch duplicates or missing entries. Supports delta sync to fetch only changed data, markdown or JSON output formats, and bulk operations for creating or updating multiple transactions at once. Useful if you're already committed to YNAB and want conversational access to budget queries, transaction entry, or spending analysis without opening the app.

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Keep your Mac awake while Claude Code and 40+ AI agents run. Sleeps when they're idle.

One time payment $9 →

Context.dev

Integrate web data into your AI product. One API to scrape website & brand data.

Get API Key Now →

Make your agent a DeFi expert

Agent, run crypto. Access onchain data & trade routes via 1inch.

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Make money from your Skills

On Capafy, your Skill runs online 24/7 as an agent product, and you get paid every time someone uses it.

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YNAB MCP Server

Connect YNAB to any AI assistant. Manage your budget in plain English.

Demo

_{Paste a receipt → itemized split transaction in seconds}

What you can do

Workflow	Example prompt
Receipt split	"Create a split transaction for this receipt and allocate tax."
Bank reconciliation	"Reconcile my checking account using this CSV."
Spending analysis	"What did I spend on takeout this month?"
Transaction creation	"Create a transaction: $42.18 at Trader Joe's yesterday."
Month overview	"Show my budget summary for January."

How it works

graph LR
    U(You) -->|Plain English| C[Claude Desktop<br/>or any MCP client]
    C -->|MCP protocol| S[YNAB MCP Server<br/>28 tools]
    S -->|YNAB API| Y[(Your Budget)]

    style S fill:#2563EB,color:#fff,stroke:#1d4ed8
    style Y fill:#16a34a,color:#fff,stroke:#15803d
    style C fill:#7c3aed,color:#fff,stroke:#6d28d9

Features

Receipt itemization — Paste a receipt, get an itemized split transaction with tax allocation automatically distributed across line items.
Bank reconciliation (beta) — Import a bank CSV, fuzzy-match against YNAB, detect missing or mismatched transactions, and apply bulk fixes.
28 YNAB tools — Full coverage of budgets, accounts, transactions, categories, payees, months, and utilities.
Delta sync — Fetches only changed data since the last request, keeping things fast.
Markdown or JSON — All read tools support response_format: human-readable markdown tables (default) or structured JSON.
MCP-native — Structured outputs, annotations, completions API, and resource templates.

How reconciliation works

Show workflow diagram

sequenceDiagram
    participant You
    participant Claude
    participant MCP as YNAB MCP Server
    participant YNAB

    You->>Claude: "Reconcile my checking<br/>with this CSV"
    Claude->>MCP: reconcile_account(csv_data)
    MCP->>YNAB: Fetch transactions
    YNAB-->>MCP: YNAB transactions
    MCP->>MCP: Parse CSV<br/>Fuzzy-match payees & dates<br/>Detect missing / mismatched
    MCP-->>Claude: Matches + recommendations
    Claude->>You: "Found 47 matches, 3 missing.<br/>Apply changes?"
    You->>Claude: "Yes"
    Claude->>MCP: Apply recommended changes
    MCP->>YNAB: Create / update transactions
    MCP-->>Claude: Done
    Claude->>You: "3 transactions created,<br/>account reconciled."

Setup (2 minutes)

1 — Get a YNAB token

Open YNAB Web App
Go to Account Settings → Developer Settings → New Token
Copy it (shown once only)

2 — Install

Claude Desktop — MCPB file (recommended)

Download the latest .mcpb from Releases
Drag it into Claude Desktop
Enter your YNAB_ACCESS_TOKEN when prompted
Restart Claude Desktop

Claude Desktop — npx

Add to your Claude Desktop config:

{
  "mcpServers": {
    "ynab": {
      "command": "npx",
      "args": ["-y", "@dizzlkheinz/ynab-mcpb@latest"],
      "env": {
        "YNAB_ACCESS_TOKEN": "your-token-here"
      }
    }
  }
}

Cline (VS Code)

{
  "mcpServers": {
    "ynab": {
      "command": "npx",
      "args": ["-y", "@dizzlkheinz/ynab-mcpb@latest"],
      "env": {
        "YNAB_ACCESS_TOKEN": "your-token-here"
      }
    }
  }
}

Codex

[mcp_servers.ynab-mcpb]
command = "npx"
args = ["-y", "@dizzlkheinz/ynab-mcpb@latest"]
env = {"YNAB_ACCESS_TOKEN" = "your-token-here"}
startup_timeout_sec = 120

Any other MCP client

Command: npx
Args: ["-y", "@dizzlkheinz/ynab-mcpb@latest"]
Env: YNAB_ACCESS_TOKEN=<your token>

3 — Try these prompts

List my budgets and set the default to my main budget.
Show recent transactions in my checking account.
How much did I spend on groceries in the last 30 days?
Create a transaction: $42.18 at Trader Joe's yesterday.

Tools (28)

See all tools by category

Category	Tools
Budgets	`list_budgets` `get_budget` `get_default_budget` `set_default_budget`
Accounts	`list_accounts` `get_account` `create_account`
Transactions	`list_transactions` `get_transaction` `create_transaction` `create_transactions` `update_transaction` `update_transactions` `delete_transaction` `export_transactions` `compare_transactions` `create_receipt_split_transaction`
Categories	`list_categories` `get_category` `update_category`
Payees	`list_payees` `get_payee`
Months	`list_months` `get_month`
Reconciliation	`reconcile_account`
Utilities	`get_user` `diagnostic_info` `clear_cache`

All read tools accept response_format ("markdown" or "json", default: "markdown").

Full reference: docs/reference/API.md

Configuration

Variable	Default	Description
`YNAB_ACCESS_TOKEN`	—	Required. Your YNAB personal access token.
`YNAB_EXPORT_PATH`	`~/Downloads`	Directory for exported transaction files.
`YNAB_MCP_ENABLE_DELTA`	`true`	Enable delta sync (only fetch changed data).
`YNAB_MCP_CACHE_DEFAULT_TTL_MS`	`300000`	Cache TTL in milliseconds (5 min).
`YNAB_MCP_CACHE_MAX_ENTRIES`	`1000`	Maximum cache entries before LRU eviction.

See .env.example for all options.

Troubleshooting

Symptom	Fix
`npx` fails	Install Node.js 18+, then restart your MCP client.
Auth errors	Regenerate your YNAB token and update `YNAB_ACCESS_TOKEN`.
Tools not detected	Restart the MCP client after any config change.
Reconciliation issues	Open an issue with an anonymized CSV sample.

For developers

git clone https://github.com/dizzlkheinz/ynab-mcpb.git
cd ynab-mcpb
npm install
cp .env.example .env   # add YNAB_ACCESS_TOKEN
npm run build
npm test

Architecture and contributor guidance: CLAUDE.md

Reconciliation architecture: docs/technical/reconciliation-system-architecture.md

Contributing

Bug reports and CSV edge-case repros are very welcome, especially for bank reconciliation: Open an issue

PRs welcome — run npm test and npm run lint before submitting.

License

AGPL-3.0

Featured

CodeRabbit

AI writes the code. CodeRabbit catches the slop.

Try For Free →

Keep your Mac awake

Keep your Mac awake while Claude Code and 40+ AI agents run. Sleeps when they're idle.

One time payment $9 →

Context.dev

Integrate web data into your AI product. One API to scrape website & brand data.

Get API Key Now →

Make your agent a DeFi expert

Agent, run crypto. Access onchain data & trade routes via 1inch.

Install now →

Make money from your Skills

On Capafy, your Skill runs online 24/7 as an agent product, and you get paid every time someone uses it.

Start earning →

AppSignal

Monitor with ease. Code with confidence.

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Configuration

YNAB_ACCESS_TOKEN*secret

YNAB Personal Access Token from https://app.youneedabudget.com/settings/developer

Registryactive

Package@dizzlkheinz/ynab-mcpb

TransportSTDIO

AuthRequired

UpdatedMay 23, 2026

View on GitHub

YNAB MCP Server

Connect YNAB to any AI assistant. Manage your budget in plain English.

Demo

_{Paste a receipt → itemized split transaction in seconds}

What you can do

Workflow	Example prompt
Receipt split	"Create a split transaction for this receipt and allocate tax."
Bank reconciliation	"Reconcile my checking account using this CSV."
Spending analysis	"What did I spend on takeout this month?"
Transaction creation	"Create a transaction: $42.18 at Trader Joe's yesterday."
Month overview	"Show my budget summary for January."

How it works

graph LR
    U(You) -->|Plain English| C[Claude Desktop<br/>or any MCP client]
    C -->|MCP protocol| S[YNAB MCP Server<br/>28 tools]
    S -->|YNAB API| Y[(Your Budget)]

    style S fill:#2563EB,color:#fff,stroke:#1d4ed8
    style Y fill:#16a34a,color:#fff,stroke:#15803d
    style C fill:#7c3aed,color:#fff,stroke:#6d28d9

Features

Receipt itemization — Paste a receipt, get an itemized split transaction with tax allocation automatically distributed across line items.
Bank reconciliation (beta) — Import a bank CSV, fuzzy-match against YNAB, detect missing or mismatched transactions, and apply bulk fixes.
28 YNAB tools — Full coverage of budgets, accounts, transactions, categories, payees, months, and utilities.
Delta sync — Fetches only changed data since the last request, keeping things fast.
Markdown or JSON — All read tools support response_format: human-readable markdown tables (default) or structured JSON.
MCP-native — Structured outputs, annotations, completions API, and resource templates.

How reconciliation works

Show workflow diagram

sequenceDiagram
    participant You
    participant Claude
    participant MCP as YNAB MCP Server
    participant YNAB

    You->>Claude: "Reconcile my checking<br/>with this CSV"
    Claude->>MCP: reconcile_account(csv_data)
    MCP->>YNAB: Fetch transactions
    YNAB-->>MCP: YNAB transactions
    MCP->>MCP: Parse CSV<br/>Fuzzy-match payees & dates<br/>Detect missing / mismatched
    MCP-->>Claude: Matches + recommendations
    Claude->>You: "Found 47 matches, 3 missing.<br/>Apply changes?"
    You->>Claude: "Yes"
    Claude->>MCP: Apply recommended changes
    MCP->>YNAB: Create / update transactions
    MCP-->>Claude: Done
    Claude->>You: "3 transactions created,<br/>account reconciled."

Setup (2 minutes)

1 — Get a YNAB token

Open YNAB Web App
Go to Account Settings → Developer Settings → New Token
Copy it (shown once only)

2 — Install

Claude Desktop — MCPB file (recommended)

Download the latest .mcpb from Releases
Drag it into Claude Desktop
Enter your YNAB_ACCESS_TOKEN when prompted
Restart Claude Desktop

Claude Desktop — npx

Add to your Claude Desktop config:

{
  "mcpServers": {
    "ynab": {
      "command": "npx",
      "args": ["-y", "@dizzlkheinz/ynab-mcpb@latest"],
      "env": {
        "YNAB_ACCESS_TOKEN": "your-token-here"
      }
    }
  }
}

Cline (VS Code)

{
  "mcpServers": {
    "ynab": {
      "command": "npx",
      "args": ["-y", "@dizzlkheinz/ynab-mcpb@latest"],
      "env": {
        "YNAB_ACCESS_TOKEN": "your-token-here"
      }
    }
  }
}

Codex

[mcp_servers.ynab-mcpb]
command = "npx"
args = ["-y", "@dizzlkheinz/ynab-mcpb@latest"]
env = {"YNAB_ACCESS_TOKEN" = "your-token-here"}
startup_timeout_sec = 120

Any other MCP client

Command: npx
Args: ["-y", "@dizzlkheinz/ynab-mcpb@latest"]
Env: YNAB_ACCESS_TOKEN=<your token>

3 — Try these prompts

List my budgets and set the default to my main budget.
Show recent transactions in my checking account.
How much did I spend on groceries in the last 30 days?
Create a transaction: $42.18 at Trader Joe's yesterday.

Tools (28)

See all tools by category

Category	Tools
Budgets	`list_budgets` `get_budget` `get_default_budget` `set_default_budget`
Accounts	`list_accounts` `get_account` `create_account`
Transactions	`list_transactions` `get_transaction` `create_transaction` `create_transactions` `update_transaction` `update_transactions` `delete_transaction` `export_transactions` `compare_transactions` `create_receipt_split_transaction`
Categories	`list_categories` `get_category` `update_category`
Payees	`list_payees` `get_payee`
Months	`list_months` `get_month`
Reconciliation	`reconcile_account`
Utilities	`get_user` `diagnostic_info` `clear_cache`

All read tools accept response_format ("markdown" or "json", default: "markdown").

Full reference: docs/reference/API.md

Configuration

Variable	Default	Description
`YNAB_ACCESS_TOKEN`	—	Required. Your YNAB personal access token.
`YNAB_EXPORT_PATH`	`~/Downloads`	Directory for exported transaction files.
`YNAB_MCP_ENABLE_DELTA`	`true`	Enable delta sync (only fetch changed data).
`YNAB_MCP_CACHE_DEFAULT_TTL_MS`	`300000`	Cache TTL in milliseconds (5 min).
`YNAB_MCP_CACHE_MAX_ENTRIES`	`1000`	Maximum cache entries before LRU eviction.

See .env.example for all options.

Troubleshooting

Symptom	Fix
`npx` fails	Install Node.js 18+, then restart your MCP client.
Auth errors	Regenerate your YNAB token and update `YNAB_ACCESS_TOKEN`.
Tools not detected	Restart the MCP client after any config change.
Reconciliation issues	Open an issue with an anonymized CSV sample.

For developers

git clone https://github.com/dizzlkheinz/ynab-mcpb.git
cd ynab-mcpb
npm install
cp .env.example .env   # add YNAB_ACCESS_TOKEN
npm run build
npm test

Architecture and contributor guidance: CLAUDE.md

Reconciliation architecture: docs/technical/reconciliation-system-architecture.md

Contributing

Bug reports and CSV edge-case repros are very welcome, especially for bank reconciliation: Open an issue

PRs welcome — run npm test and npm run lint before submitting.

License

AGPL-3.0