Talk to your budget
in plain English.
A remote deployment of mcp-ynab, an open-source Model Context Protocolserver that connects an AI assistant directly to a YNABbudget, built and hosted by Nyuchi. Any MCP client that speaks remote connectors — Claude and ChatGPT included — can reach it without installing anything first.
https://ynab.nyuchi.com/mcpWhat it does
- 50+ tools — budgets, accounts, transactions, categories, payees, months, scheduled transactions, analytics, and reconciliation
- Delta sync — only fetches what changed since the last call, using YNAB's server knowledge
- 4-tier caching — TTL cache, delta sync, retry with backoff, persistent storage
- Search & analytics — text search across transactions, per-category spending breakdowns, money-flow data
- Monthly reports with a live dashboard — income/spending summary, category and payee breakdowns, overspent categories, and a multi-month trend, rendered as an interactive dashboard on MCP Apps-capable hosts (Claude, ChatGPT)
- Reconciliation — compare an account's cleared transactions against a real-world statement balance, the same workflow as YNAB's own "Reconcile" button
- Bulk operations — create or update multiple transactions in a single call
- Dollar amounts — accepts plain dollars, converts to YNAB's internal format automatically
Available tools
| User | get_user |
|---|---|
| Plans | list_plans, get_plan, get_plan_settings |
| Accounts | list_accounts, get_account, create_account |
| Categories | list_categories, get_category, create_category, update_category, create_category_group, update_category_group, get_category_for_month, update_category_for_month |
| Payees | list_payees, create_payee, get_payee, update_payee |
| Payee locations | list_payee_locations, get_payee_location, get_payee_locations_by_payee |
| Months | list_months, get_month |
| Money movements | list_money_movements, get_money_movements_for_month, list_money_movement_groups, get_money_movement_groups_for_month |
| Transactions | list_transactions, get_transaction, get_transactions_by_account, get_transactions_by_category, get_transactions_by_month, get_transactions_by_payee, search_transactions, create_transaction, create_transactions, update_transaction, update_transactions, delete_transaction, import_transactions |
| Scheduled | list_scheduled_transactions, get_scheduled_transaction, create_scheduled_transaction, update_scheduled_transaction, delete_scheduled_transaction |
| Analytics | get_money_flow, get_spending_by_category, get_monthly_report |
| Reconciliation | export_transactions_csv, reconcile_account |
Connecting
Every request runs as you — nobody else's budget is visible to you, and yours isn't visible to them. Two ways to prove that: sign in with YNAB directly (no token to copy), or paste your own YNAB personal access token.
Option A — Sign in with YNAB (recommended)
In Claude web: Settings → Connectors → Add custom connector.
- Paste the MCP endpoint above (no
?token=) as the server URL. - Under Authentication, leave Always required selected.
- Under OAuth client, pick No client ID — register one automatically. This server supports Dynamic Client Registration, not Anthropic's hosted client metadata option above it — picking that one instead is what produces "Couldn't determine the server settings".
- Click Add, then Connect — you'll land on YNAB's own sign-in page to authorize access, then bounce back connected. No token ever touches this site.
Option B — Your own token
For clients without a full OAuth UI (or if you'd rather not use it), get aYNAB personal access tokenand use the MCP endpoint above with ?token=<your-YNAB-token> appended; clients that support custom headers can sendAuthorization: Bearer <your-YNAB-token> instead. It's used only to make YNAB API calls on your behalf, per request — never stored.
Running the open-source server yourself instead — for just you, or for others under your own domain? Seethis fork's README for the Cloudflare deployment, ormcp-ynab.com for the local stdio setup (Claude Desktop, Claude Code, ChatGPT).
Stuck, or something not working? Use the chat bubble in the corner, or emailsupport@nyuchi.com.
Runs the open-source mcp-ynabserver on a Cloudflare Container. AGPL-3.0 licensed.