Ynab Mcp Server

com.smirnovlabsPublished by smirnovlabs.comOfficial publisherv2.0.0Updated Nov 2, 2026

Hosted remote MCP server for YNAB on Cloudflare Workers with OAuth

VerifiedStreamable HTTPWeb executableProductivity & Workflow Finance Data & Analytics

Server details

Identifier: com.smirnovlabs/ynab-mcp-server
Transport: Streamable HTTP
Runtime: Web executable
Trust: Verified
Published: Sep 16, 2026

Security note

MCP servers receive tool arguments from a conversation and may perform external actions. Review what a server can do before you enable it, and give it only the access it needs.

The registry verified that this server's namespace belongs to smirnovlabs.com, which also runs its endpoint. That identifies the publisher; it does not make the server's tools safe.

SourceWeft's checks cover whether the listing is complete and the endpoint answered; they do not review the server's code or what its tools do.

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Overview

AI-generated overview

Hosted YNAB MCP server that lets an assistant read and manage budgets, categories, transactions and goals after OAuth sign-in.

What you can do: List budgets and get month summaries of categories, balances and accounts, plus set a default budget
List, create and update category groups, categories and goals
List, filter, create, edit, split, approve, bulk-approve and delete transactions, and manage scheduled transactions
Run budgeting workflows: move funds between categories, auto-distribute Ready to Assign, cover overspending, budget from history, reconcile an account
Produce read-only analytics such as spending patterns, goal progress, cash flow forecasts, category performance and net worth
When to use it: Useful when you want to ask an AI assistant questions about your YNAB budget in plain language, or have it carry out routine budgeting work such as categorizing, approving or splitting transactions and moving money between categories.
Requirements: A YNAB account and a ChatGPT or Claude plan that supports custom MCP connectors (ChatGPT needs developer mode; on Claude Team or Enterprise an owner adds the connector first). Connect to the hosted HTTPS endpoint ending in /mcp and complete the YNAB OAuth sign-in and approval. No local install or API key is needed.

Before you install

The server stores OAuth tokens so it can act on your YNAB account on your behalf. Many tools write to your budget: creating, editing, approving and deleting transactions and scheduled transactions, changing categories and goals, moving funds and reconciling accounts. Deletions are irreversible. The project states it is not officially supported by YNAB, so use it at your own risk and review its privacy policy.

Installation

In SourceWeft

Open Ynab Mcp Server in the dashboard and add it to a workspace.
Connect the required credentials. They are stored privately and never shown on public pages.
Enable the server for the chats that should use its tools.

Web executable via Streamable HTTP. Remote servers run from the web runtime once configured in a workspace.

Use with an agent

Paste this prompt into Claude Code, Codex, Cursor or another agent — or into SourceWeft chat. The agent reads this server's install guide, shows you its publisher, endpoint and sign-in, and adds it to your client once you agree. Keys never go into a command.

Read https://sourceweft.com/mcp/com.smirnovlabs%2Fynab-mcp-server/install.md and connect the MCP server it describes to my client. Before changing any config, show me its publisher, endpoint and sign-in method and wait for my OK. Never put an API key in a command or in a file I would commit; ask me where it should come from.

Read the install guide the agent follows

Other MCP clients

Add this to your client's mcpServers config. The client completes OAuth sign-in on first connect.

{
  "mcpServers": {
    "ynab": {
      "type": "http",
      "url": "https://mcpforynab.smirnovlabs.com/mcp"
    }
  }
}

README

ynab-mcp-server

[Add to Claude]

Connect YNAB to ChatGPT or Claude with a hosted MCP server.

Use this if you want your AI assistant to read and manage your YNAB plans, categories, transactions, and goals — and review balances and net worth — after you sign in with your own YNAB account.

What You Need

a YNAB account
the hosted MCP URL: https://mcpforynab.smirnovlabs.com/mcp
ChatGPT or Claude with support for custom MCP connectors

Quick Start

Get your hosted MCP URL.
Add that URL in ChatGPT or Claude.
Click Connect.
Sign in with YNAB when prompted.
Return to your chat and start asking YNAB questions.

On Claude, the Add to Claude button at the top covers steps 1 and 2. See Set Up in Claude.

Set Up in ChatGPT

These steps are for the ChatGPT web app.

As of March 25, 2026, OpenAI requires developer mode for custom MCP connectors.

Before you start

You need a ChatGPT plan that supports custom MCP connectors.
If you are on a workspace plan, your admin may need to enable developer mode first.
You need this hosted MCP URL: https://mcpforynab.smirnovlabs.com/mcp.

Step-by-step

Open chatgpt.com.
Open Settings.
Enable developer mode if it is not already enabled.
Go to Apps or Connectors and choose to create a custom app or connector.
Paste your hosted MCP URL.
Choose OAuth if ChatGPT asks for an authentication method.
Save or create the connector.
Start a new chat.
Open the tools menu and enable the new connector.
When redirected, sign in with YNAB and approve access.
Return to ChatGPT and send a test prompt.

Good first prompts

Show me the balances of all my plan accounts.
List my plan categories with available amounts.
Find my most recent grocery transactions.
What were my largest spending categories last month?

Set Up in Claude

These steps are for claude.ai.

As of October 25, 2026, Claude keeps custom connectors under Customize > Connectors.

Before you start

Free, Pro, Max, Team, and Enterprise plans support custom connectors. The Free plan allows one.
The hosted MCP URL is https://mcpforynab.smirnovlabs.com/mcp. The Add to Claude button fills it in for you.
On Claude Team or Enterprise, an organization Owner adds the connector first.

Step-by-step for Claude Free, Pro, or Max

Click Add to Claude at the top of this page.
If prompted, sign in to Claude.
Claude opens the Add custom connector dialog with the fields filled in, plus a notice that the values came from an external link. Check that the name is YNAB and the URL is https://mcpforynab.smirnovlabs.com/mcp.
If the dialog shows Authentication and OAuth client settings, choose Sign in now and Register automatically. This server does not support Use Claude's published identity.
Click Add.
Click Connect.
When redirected, sign in with YNAB and approve access.
Start a new chat.
Click +, select Connectors, and turn on YNAB.
Send a test prompt.

To add the connector by hand, go to Customize > Connectors and click Add custom connector. Enter the name YNAB and the hosted MCP URL, then continue from step 4.

Step-by-step for Claude Team or Enterprise

An organization Owner adds the connector once. Then each member connects their own YNAB account.

For the Owner:

Open the organization install link. Claude opens the organization's Add custom connector dialog with the name and URL filled in.
If the dialog shows Authentication and OAuth client settings, choose Sign in now and Register automatically.
Click Add.

To add it by hand, go to Organization settings > Connectors and select Add, then Custom. Enter the name YNAB and the hosted MCP URL, then continue from step 2.

For each member:

Go to Customize > Connectors.
Find the connector your Owner added. It has the Custom label.
Click Connect.
When redirected, sign in with YNAB and approve access.
Start a new chat.
Click +, select Connectors, and turn on the connector.
Send a test prompt.

Good first prompts

Show me my current account balances in YNAB.
What categories are overspent right now?
Find transactions from Amazon in the last 30 days.
Summarize my spending by category this month.

What Happens When You Connect

ChatGPT or Claude connects to the hosted MCP URL.
The MCP server sends you to YNAB sign-in.
You approve access to your YNAB account.
The service stores the OAuth tokens needed to make future YNAB requests on your behalf.
Your assistant can then use YNAB tools and resources in chat.

Available Tools

Once connected, your assistant can use the tools below. Read tools only look at your data; Write tools change your budget (and ones marked delete remove data).

Budgets & setup

Tool	What it does	Access
`ynab_list_budgets`	List your YNAB budgets	Read
`ynab_budget_summary`	Month summary of categories, balances, and accounts	Read
`ynab_set_default_budget`	Remember a default budget so you don't name it every time	Setup

Categories & goals

Tool	What it does	Access
`ynab_list_categories`	List category groups and categories with balances and goals	Read
`ynab_create_category`	Create a category in a group	Write
`ynab_update_category`	Rename a category, edit its note, or move it between groups	Write
`ynab_create_category_group`	Create a category group	Write
`ynab_update_category_group`	Rename a category group	Write
`ynab_set_category_goals`	Create, update, or remove a category's goal	Write

Transactions

Tool	What it does	Access
`ynab_list_transactions`	List and filter transactions by account, category, payee, or date	Read
`ynab_get_unapproved_transactions`	List transactions waiting for approval	Read
`ynab_create_transaction`	Add a transaction, optionally split across categories	Write
`ynab_update_transaction`	Edit an existing transaction	Write
`ynab_set_transaction_splits`	Split a transaction across categories, change a split's lines, or merge it back into one category	Write
`ynab_approve_transaction`	Approve one pending transaction	Write
`ynab_bulk_approve_transactions`	Approve many pending transactions at once	Write
`ynab_delete_transaction`	Delete a transaction	Write (delete)

Scheduled (recurring) transactions

Tool	What it does	Access
`ynab_list_scheduled_transactions`	List scheduled/recurring transactions	Read
`ynab_create_scheduled_transaction`	Schedule a future or recurring transaction	Write
`ynab_update_scheduled_transaction`	Edit a scheduled transaction	Write
`ynab_delete_scheduled_transaction`	Delete a scheduled transaction	Write (delete)

Budgeting workflows

Tool	What it does	Access
`ynab_move_funds_between_categories`	Move budgeted dollars between categories	Write
`ynab_auto_distribute_funds`	Allocate "Ready to Assign" money across categories by goal	Write
`ynab_handle_overspending`	Cover overspent categories by moving funds	Write
`ynab_budget_from_history`	Allocate based on historical spending	Write
`ynab_reconcile_account`	Reconcile an account to a statement balance	Write

Analytics & insights (read-only)

Tool	What it does
`ynab_analyze_spending_patterns`	Spot spending trends and anomalies
`ynab_goal_progress_report`	Track progress toward category goals
`ynab_cash_flow_forecast`	Project upcoming cash flow from history
`ynab_category_performance_review`	Compare budgeted vs. actual by category
`ynab_net_worth_analysis`	Summarize net worth across accounts

YNAB API Coverage

How these tools line up with the official YNAB API (accessed through the ynab JavaScript SDK). ✅ = covered, ◐ = partial, — = not yet.

YNAB API area	Covered	Tools / notes
Budgets (plans)	✅	`ynab_list_budgets`, `ynab_budget_summary`; plan settings are not exposed
Accounts	◐	Balances read via `ynab_budget_summary`, `ynab_net_worth_analysis`, `ynab_reconcile_account`; no create-account or standalone account list
Categories & groups	✅	List, create, and update categories and groups; goals; per-month funding
Months	✅	Surfaced through `ynab_budget_summary` and the analytics tools
Transactions	✅	List, create, update, delete, approve, bulk-approve, and split across categories (file `import` is not exposed)
Scheduled transactions	✅	List, create, update, delete
Payees	—	Referenced implicitly by name in the transaction tools; no list/update-payee tool
Payee locations	—	Not exposed
User	—	Identity is handled by OAuth; `getUser` is not exposed

Beyond the raw API, this server adds composite tools that have no single API endpoint: the budgeting workflows (move funds, auto-distribute, handle overspending, budget from history, reconcile) and the analytics tools (spending patterns, goal progress, cash flow, category performance, net worth).

Troubleshooting

The connector does not appear in ChatGPT

Confirm your plan supports custom MCP connectors.
Confirm developer mode is enabled.
If you are on a workspace plan, confirm your admin enabled the required settings.

The connector does not appear in Claude

Confirm your plan supports remote MCP connectors.
On Team or Enterprise, confirm your workspace owner added the connector first.

I connected, but YNAB tools are not working

Disconnect and reconnect the connector.
Make sure you completed the YNAB OAuth approval step.
Start a fresh chat and re-enable the connector for that conversation.

The MCP URL is not working

Make sure you pasted the full HTTPS URL.
Do not remove the trailing /mcp if your hosted URL includes it.

Privacy

This service uses OAuth to connect to your YNAB account. It does not ask for your YNAB password directly.

This app is not officially supported by YNAB in any way. Use it at your own risk.

Read the privacy policy here:

PRIVACY.md

For Self-Hosting or Operators

If you are trying to deploy or host this service yourself, use CONTRIBUTING.md. This README is intentionally written for end users connecting the hosted service in ChatGPT or Claude.

Source: README.md at commit a583b40

Tools

This server asks you to sign in, so SourceWeft could not read its tools without an account and has not indexed them. What a connected account sees can depend on that account and its permissions.

Version history

v2.0.0LatestSep 16, 2026

Score

75% of the applicable checks met

How complete this listing is, computed from the registry entry, the endpoint and public sources. Not a rating of the server and not a statement that it is safe or working today: reachability is a dated check, and no installs or reviews go into the score.

Reached in the last 30 daysRequired25 pts
Auth declaredRequired10 pts
Tools listed15 pts
Answer tools/list without a credential, or ship a package that starts in a sandbox without one.
DescriptionRequired15 pts
Logo10 pts
Documentation15 pts
License10 pts
Declare a license in the repository or the registry entry.

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