Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
| YNAB_EXPORT_PATH | No | Optional directory for exported transaction files. | |
| YNAB_ACCESS_TOKEN | Yes | Your YNAB personal access token, obtained from Account Settings -> Developer Settings in the YNAB Web App. | |
| YNAB_MCP_ENABLE_DELTA | No | Enable/disable delta sync optimization (defaults to 'true'). | true |
Capabilities
Features and capabilities supported by this server
| Capability | Details |
|---|---|
| tools | {
"listChanged": false
} |
| prompts | {
"listChanged": false
} |
| resources | {
"subscribe": false,
"listChanged": false
} |
| completions | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| list_budgets | List all budgets associated with the user's account |
| get_budget | Get detailed information for a specific budget |
| list_payees | List all payees for a specific budget |
| get_payee | Get detailed information for a specific payee |
| list_categories | List all categories for a specific budget |
| get_category | Get detailed information for a specific category |
| update_category | Update the budgeted amount for a category in the current month |
| list_accounts | List all accounts for a specific budget |
| get_account | Get detailed information for a specific account |
| create_account | Create a new account in the specified budget |
| get_month | Get budget data for a specific month |
| list_months | List all months summary data for a budget |
| list_transactions | List transactions for a budget with optional filtering |
| export_transactions | Export all transactions to a JSON file with descriptive filename |
| get_transaction | Get detailed information for a specific transaction |
| create_transaction | Create a new transaction in the specified budget and account |
| create_transactions | Create multiple transactions in a single batch (1-100 items) with duplicate detection, dry-run validation, and automatic response size management with correlation metadata. |
| create_receipt_split_transaction | Create a split transaction from receipt items with proportional tax allocation |
| update_transaction | Update an existing transaction |
| update_transactions | Update multiple transactions in a single batch (1-100 items) with dry-run validation, automatic cache invalidation, and response size management. Supports optional original_account_id and original_date metadata for efficient cache invalidation. |
| delete_transaction | Delete a transaction from the specified budget |
| compare_transactions | Compare bank transactions from CSV with YNAB transactions to find missing entries |
| reconcile_account | Guided reconciliation workflow with human narrative, insight detection, and optional execution (create/update/unclear). Set include_structured_data=true to also get full JSON output (large). |
| get_user | Get information about the authenticated user |
| set_default_budget | Set the default budget for subsequent operations |
| get_default_budget | Get the currently set default budget |
| diagnostic_info | Get comprehensive diagnostic information about the MCP server |
| clear_cache | Clear the in-memory cache (safe, no YNAB data is modified) |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
| create-transaction | Create a new transaction in YNAB |
| budget-summary | Get a summary of your budget status |
| account-balances | Check balances across all accounts |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
| YNAB Budgets | List of all available budgets |
| YNAB User Info | Current user information including ID and email address |