Ynab MCP for AI Agents

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.

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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.

27 Tools

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Type what you want done — sign in and watch it run live in the Tool Router playground.

TOOL ROUTER PLAYGROUND
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TOOLS

Supported Tools

Every Ynab action and event your agent gets out of the box.

Create a new account in a budget

Tool to create a new account in a budget.

Create Scheduled Transaction

Creates a scheduled (recurring) transaction in a YNAB budget.

Delete Scheduled Transaction

Permanently deletes a scheduled transaction from a YNAB budget.

Get Account by ID

Tool to retrieve a single account resource.

Get Budget By ID

Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions.

Get Budget Month

Tool to retrieve a specific budget month.

Get Budget Settings

Tool to retrieve budget-level settings.

Get Category by ID

Retrieve a single YNAB budget category by its ID.

Get Month Category By ID

Tool to retrieve a single category for a specific budget month.

Get Payee by ID

Tool to retrieve a single payee by its ID.

Get Scheduled Transaction by ID

Tool to retrieve a single scheduled transaction.

Get Transaction by ID

Tool to retrieve a single transaction by its ID.

Get Authorized User

Tool to retrieve the authorized user's information.

List Accounts

Retrieves all accounts for a specified YNAB budget.

List Budgets

Retrieves all budgets accessible to the authenticated YNAB user.

List Categories

Tool to list all category groups and their categories for a budget.

List Budget Months

Tool to list months for a budget with summary information.

List Payee Locations

Retrieves all GPS locations associated with payees in a budget.

List Payee Locations by Payee

Retrieves all GPS locations associated with a specific payee in a budget.

List payees in a budget

Tool to list payees in a budget.

List Scheduled Transactions

List all scheduled (recurring) transactions for a YNAB budget.

List Transactions

Tool to list transactions in a budget.

List Transactions by Account

Tool to list transactions for a specific account.

List Transactions by Category

Tool to list transactions for a specific category (excludes pending).

List Transactions by Payee

Tool to list transactions for a specific payee in a budget.

Update Payee

Tool to update a payee.

Update Scheduled Transaction

Update an existing scheduled transaction in YNAB.

SETUP GUIDE

Connect Ynab MCP Tool with your Agent

1

Install Composio

typescript
npm install @composio/core ai @ai-sdk/mcp @ai-sdk/openai
Install the Composio SDK and your agent framework
2

Create a session with MCP enabled

typescript
import { Composio } from "@composio/core";

const composio = new Composio();
const { mcp } = await composio.create("your-user-id", {
  toolkits: ["ynab"],
  mcp: true,
});
Create a session scoped to Ynab and read its MCP URL and headers
3

Connect your agent to the MCP server

typescript
import { createMCPClient } from "@ai-sdk/mcp";
import { openai } from "@ai-sdk/openai";
import { generateText, stepCountIs } from "ai";

const client = await createMCPClient({
  transport: { type: "http", url: mcp.url, headers: mcp.headers },
});

const { text } = await generateText({
  model: openai("gpt-5.6-sol"),
  tools: await client.tools(),
  prompt: "Show my total spending for this month",
  stopWhen: stepCountIs(10),
});

console.log(text);
await client.close();
Pass the session's MCP URL and headers to your agent and run a Ynab request
SETUP GUIDE

Connect Ynab API Tool with your Agent

1

Install Composio

typescript
npm install @composio/core @composio/openai openai
Install the Composio SDK, the OpenAI provider, and the OpenAI SDK
2

Create a Composio session

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

const composio = new Composio({ provider: new OpenAIResponsesProvider() });
const client = new OpenAI();

const session = await composio.create("your-user-id", { toolkits: ["ynab"] });
const tools = await session.tools();
Initialize Composio with the OpenAI Responses provider and create a session scoped to Ynab
3

Run Ynab tools with your agent

typescript
let response = await client.responses.create({
  model: "gpt-5.6-sol",
  tools,
  input: [{ role: "user", content: "Show my total spending for this month" }],
});

while (response.output.some((o) => o.type === "function_call")) {
  const outputs = await composio.provider.handleToolCalls(session, response.output);
  response = await client.responses.create({
    model: "gpt-5.6-sol",
    tools,
    previous_response_id: response.id,
    input: outputs,
  });
}

console.log(response.output_text);
Send a request, execute the Ynab tool calls through the session, and print the final answer

Why Use Composio?

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

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

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

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
FAQ

Frequently asked questions

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

Yes! Composio's Tool Router enables agents to use multiple toolkits. Learn more.

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. Learn more.

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

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