Ynab Mcp Server

com.smirnovlabs由 smirnovlabs.com 发布官方发布者v2.0.0更新于 Nov 2, 2026

Hosted remote MCP server for YNAB on Cloudflare Workers with OAuth

已验证Streamable HTTP可网页运行效率与工作流金融数据与分析

概览

AI 生成的概览

托管式 YNAB MCP 服务器，通过 OAuth 登录后让助手读取和管理预算、分类、交易与目标。

可以做什么
  • 列出预算并获取分类、余额与账户的月度汇总，可设置默认预算
  • 列出、创建和更新分类组、分类与目标
  • 列出、筛选、创建、编辑、拆分、批准、批量批准和删除交易，并管理定期交易
  • 执行预算流程：在分类间调拨资金、按目标分配待分配金额、填补超支、按历史支出做预算、对账
  • 生成只读分析：支出模式、目标进度、现金流预测、分类表现与净资产
适用场景
适合希望用自然语言向 AI 助手询问 YNAB 预算情况，或让它完成分类、批准或拆分交易、在分类间调拨资金等日常预算工作的场景。
运行要求
需要一个 YNAB 账户，以及支持自定义 MCP 连接器的 ChatGPT 或 Claude 套餐（ChatGPT 需开启开发者模式；Claude 团队或企业版需由所有者先添加连接器）。连接到以 /mcp 结尾的托管 HTTPS 地址并完成 YNAB OAuth 登录与授权。无需本地安装或 API 密钥。
安装前请注意
该服务会保存 OAuth 令牌，以便代表你操作 YNAB 账户。许多工具会写入预算：创建、编辑、批准和删除交易与定期交易，修改分类和目标，调拨资金以及对账。删除操作不可撤销。项目声明未获 YNAB 官方支持，使用风险自负，请先阅读其隐私政策。

安装

在 SourceWeft 中

  1. 打开 控制台中的 Ynab Mcp Server，将其添加到工作区。
  2. 连接 所需的 凭据。它们会被私密存储，绝不会在公开页面上展示。
  3. 为需要使用其工具的对话启用该服务。

Web executable，通过 Streamable HTTP。 远程服务在工作区中配置后即可从网页运行时运行。

交给智能体安装

把这段提示词粘贴到 Claude Code、Codex、Cursor 等智能体，或 SourceWeft 对话中。智能体会读取该服务器的安装指南，先向你展示发布者、端点和登录方式，经你同意后再把它添加到你的客户端。密钥不会写进任何命令。

阅读 https://sourceweft.com/mcp/com.smirnovlabs%2Fynab-mcp-server/install.md，并按其中说明把这个 MCP 服务器接入我的客户端。修改任何配置之前，先告诉我它的发布者、端点和登录方式，等我确认。不要把 API 密钥写进命令或我会提交的文件；问我密钥应从哪里获取。

查看智能体所依据的安装指南

其他 MCP 客户端

把它添加到你客户端的 mcpServers 配置中。 客户端会在首次连接时完成 OAuth 登录。

{
  "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

  1. Get your hosted MCP URL.
  2. Add that URL in ChatGPT or Claude.
  3. Click Connect.
  4. Sign in with YNAB when prompted.
  5. 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

  1. Open chatgpt.com.
  2. Open Settings.
  3. Enable developer mode if it is not already enabled.
  4. Go to Apps or Connectors and choose to create a custom app or connector.
  5. Paste your hosted MCP URL.
  6. Choose OAuth if ChatGPT asks for an authentication method.
  7. Save or create the connector.
  8. Start a new chat.
  9. Open the tools menu and enable the new connector.
  10. When redirected, sign in with YNAB and approve access.
  11. 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

  1. Click Add to Claude at the top of this page.
  2. If prompted, sign in to Claude.
  3. 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.
  4. 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.
  5. Click Add.
  6. Click Connect.
  7. When redirected, sign in with YNAB and approve access.
  8. Start a new chat.
  9. Click +, select Connectors, and turn on YNAB.
  10. 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:

  1. Open the organization install link. Claude opens the organization's Add custom connector dialog with the name and URL filled in.
  2. If the dialog shows Authentication and OAuth client settings, choose Sign in now and Register automatically.
  3. 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:

  1. Go to Customize > Connectors.
  2. Find the connector your Owner added. It has the Custom label.
  3. Click Connect.
  4. When redirected, sign in with YNAB and approve access.
  5. Start a new chat.
  6. Click +, select Connectors, and turn on the connector.
  7. 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

  1. ChatGPT or Claude connects to the hosted MCP URL.
  2. The MCP server sends you to YNAB sign-in.
  3. You approve access to your YNAB account.
  4. The service stores the OAuth tokens needed to make future YNAB requests on your behalf.
  5. 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

ToolWhat it doesAccess
ynab_list_budgetsList your YNAB budgetsRead
ynab_budget_summaryMonth summary of categories, balances, and accountsRead
ynab_set_default_budgetRemember a default budget so you don't name it every timeSetup

Categories & goals

ToolWhat it doesAccess
ynab_list_categoriesList category groups and categories with balances and goalsRead
ynab_create_categoryCreate a category in a groupWrite
ynab_update_categoryRename a category, edit its note, or move it between groupsWrite
ynab_create_category_groupCreate a category groupWrite
ynab_update_category_groupRename a category groupWrite
ynab_set_category_goalsCreate, update, or remove a category's goalWrite

Transactions

ToolWhat it doesAccess
ynab_list_transactionsList and filter transactions by account, category, payee, or dateRead
ynab_get_unapproved_transactionsList transactions waiting for approvalRead
ynab_create_transactionAdd a transaction, optionally split across categoriesWrite
ynab_update_transactionEdit an existing transactionWrite
ynab_set_transaction_splitsSplit a transaction across categories, change a split's lines, or merge it back into one categoryWrite
ynab_approve_transactionApprove one pending transactionWrite
ynab_bulk_approve_transactionsApprove many pending transactions at onceWrite
ynab_delete_transactionDelete a transactionWrite (delete)

Scheduled (recurring) transactions

ToolWhat it doesAccess
ynab_list_scheduled_transactionsList scheduled/recurring transactionsRead
ynab_create_scheduled_transactionSchedule a future or recurring transactionWrite
ynab_update_scheduled_transactionEdit a scheduled transactionWrite
ynab_delete_scheduled_transactionDelete a scheduled transactionWrite (delete)

Budgeting workflows

ToolWhat it doesAccess
ynab_move_funds_between_categoriesMove budgeted dollars between categoriesWrite
ynab_auto_distribute_fundsAllocate "Ready to Assign" money across categories by goalWrite
ynab_handle_overspendingCover overspent categories by moving fundsWrite
ynab_budget_from_historyAllocate based on historical spendingWrite
ynab_reconcile_accountReconcile an account to a statement balanceWrite

Analytics & insights (read-only)

ToolWhat it does
ynab_analyze_spending_patternsSpot spending trends and anomalies
ynab_goal_progress_reportTrack progress toward category goals
ynab_cash_flow_forecastProject upcoming cash flow from history
ynab_category_performance_reviewCompare budgeted vs. actual by category
ynab_net_worth_analysisSummarize 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 areaCoveredTools / 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:

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.

来源：README.md，提交 a583b40

工具

0
该服务器需要登录，因此 SourceWeft 无法在没有账号的情况下读取其工具，也未收录。已连接账号所能看到的内容可能因账号及其权限而异。

版本历史

1
  1. v2.0.0最新Sep 16, 2026

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