Ynab Mcp Server

com.smirnovlabs由 smirnovlabs.com 發布官方發布者v2.0.0更新於 Nov 2, 2026

Hosted remote MCP server for YNAB on Cloudflare Workers with OAuth

已驗證Streamable HTTP可網頁執行效率與工作流金融資料與分析

概覽

AI 產生的概覽

託管式 YNAB MCP 伺服器，透過 OAuth 登入後讓助理讀取與管理預算、分類、交易與目標。

可以做什麼
  • 列出預算並取得分類、餘額與帳戶的月度彙總，可設定預設預算
  • 列出、建立與更新分類群組、分類與目標
  • 列出、篩選、建立、編輯、拆分、核准、批次核准與刪除交易，並管理定期交易
  • 執行預算流程：在分類間調撥資金、依目標分配待分配金額、補足超支、依歷史支出編列預算、對帳
  • 產生唯讀分析：支出模式、目標進度、現金流預測、分類表現與淨資產
適用情境
適合想用自然語言向 AI 助理詢問 YNAB 預算狀況，或讓它處理分類、核准或拆分交易、在分類間調撥資金等日常預算工作的情境。
執行需求
需要 YNAB 帳戶，以及支援自訂 MCP 連接器的 ChatGPT 或 Claude 方案（ChatGPT 需開啟開發人員模式；Claude 團隊或企業版需由擁有者先新增連接器）。連線到以 /mcp 結尾的託管 HTTPS 位址，並完成 YNAB OAuth 登入與授權。不需本機安裝或 API 金鑰。
安裝前請注意
此服務會儲存 OAuth 權杖，以便代表你操作 YNAB 帳戶。許多工具會寫入預算：建立、編輯、核准與刪除交易及定期交易，修改分類與目標，調撥資金以及對帳。刪除操作無法復原。專案聲明未獲 YNAB 官方支援，請自行承擔風險，並先閱讀其隱私權政策。

安裝

在 SourceWeft 中

  1. 開啟 儀表板中的 Ynab Mcp Server，將其新增到工作區。
  2. 連接 所需的 憑證。它們會被私密儲存，絕不會在公開頁面上展示。
  3. 為需要使用其工具的對話啟用該服務。

Web executable，透過 Streamable HTTP。 遠端服務在工作區中設定後即可從網頁執行環境執行。

交給代理程式安裝

把這段提示詞貼上到 Claude Code、Codex、Cursor 等代理程式，或 SourceWeft 對話中。代理程式會讀取該伺服器的安裝指南，先向你展示發布者、端點和登入方式，經你同意後再把它新增到你的客戶端。金鑰不會寫進任何命令。

閱讀 https://sourceweft.com/mcp/com.smirnovlabs%2Fynab-mcp-server/install.md，並按其中說明把這個 MCP 伺服器接入我的客戶端。修改任何設定之前，先告訴我它的發布者、端點和登入方式，等我確認。不要把 API 金鑰寫進命令或我會提交的檔案；問我金鑰應從哪裡取得。

檢視代理程式所依據的安裝指南

其他 MCP 客戶端

把它新增到你客戶端的 mcpServers 設定中。 客戶端會在首次連接時完成 OAuth 登入。

{
  "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.

來源：README.md，提交 a583b40

工具

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版本歷史

1
  1. v2.0.0最新Sep 16, 2026

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