YNAB MCP Server

you-need-an-mcp

An MCP server providing LLMs access to a YNAB budget.

Setup

1. Install Dependencies

2. Get YNAB Access Token

To use this MCP server, you need a YNAB Personal Access Token:

1. Log into your YNAB account at https://app.youneedabudget.com
2. Go to Account Settings (click your email in the top right corner)
3. Click on Developer Settings in the left sidebar
4. Click New Token
5. Enter a token name (e.g., "MCP Server")
6. Click Generate
7. Copy the generated token (you won't be able to see it again)

3. Set Environment Variables

Optionally, set a default budget ID to avoid having to specify it in every call:

4. Run the Server

Available Tools

• list_budgets() - Returns all your YNAB budgets
• list_accounts(budget_id=None, limit=100, offset=0, include_closed=False) - Returns accounts with pagination and filtering
• list_categories(budget_id=None, limit=50, offset=0, include_hidden=False) - Returns categories with pagination and filtering
• list_category_groups(budget_id=None) - Returns category groups with totals (lighter weight overview)

Pagination

The list_accounts and list_categories tools support pagination. Use the offset parameter to get subsequent pages:

• First page: list_categories(limit=50, offset=0)
• Second page: list_categories(limit=50, offset=50)
• Check pagination.has_more to see if there are more results

Security Note

Keep your YNAB access token secure and never commit it to version control. The token provides read access to all your budget data.