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YNAB MCP Server

set_category_target

Set, update, or clear a savings goal on a YNAB category. Define a one-time target with a due date or a recurring weekly, monthly, or yearly target.

Instructions

Sets, updates, or clears a target (goal) on a category. Provide either goal_target_date (a one-time target due by a specific date) or goal_frequency (a recurring target), not both. Pass clear_target: true to remove an existing target instead.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
budget_idNoThe budget ID, or 'last-used' for the most recently used budget.last-used
category_idYesThe category to set a target on. Look up with list_categories.
goal_targetNoThe target dollar amount, e.g. 500.00. Required unless clear_target is true.
clear_targetNoSet true to remove the category's existing target instead of setting one.
goal_frequencyNoMakes the target recurring at this cadence. Cannot be combined with goal_target_date.
goal_target_dateNoDue date for the target, YYYY-MM-DD. Cannot be combined with goal_frequency.

Schema Changelog

Changes observed during successful MCP inspections.

  1. First observedv1.9.0

TDQS

A3.5/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description carries the full behavioral burden. It does disclose that this is a mutating operation with a destructive branch (clearing an existing target) and states the mutual-exclusivity constraint, which is useful. But it omits permissions, reversibility, idempotency, and what the caller gets back, and much of what it states (clear_target semantics, exclusivity) is duplicated from the schema.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

Three short sentences, zero filler, and the core action is front-loaded before the conditional rules. Every sentence earns its place and nothing needs trimming.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a 6-parameter mutation tool with no annotations and no output schema, the description covers the main invocation modes but leaves gaps: it does not describe the return value, error conditions when both modes are supplied, or side effects on related budgeting views. It is adequate but not complete.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters3/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so every parameter is already documented in the schema, including the exclusivity rules and the clear_target meaning. The description adds no syntax, units, or format detail beyond what the schema provides (e.g., no example date format, no note on budget_id default behavior). Baseline 3 applies when the schema does the heavy lifting.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description opens with a specific verb triad and resource: "Sets, updates, or clears a target (goal) on a category." That is unambiguous and implicitly separates it from the read-only sibling get_category_targets. It stops short of naming that sibling or stating a scope boundary, so it is clear but not fully differentiated.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives real conditional guidance for the two target modes ("Provide either goal_target_date ... or goal_frequency ..., not both") and for removal ("Pass clear_target: true"). However, it never says when to use this tool versus alternatives such as get_category_targets or how to proceed if a target already exists, so usage is implied rather than fully framed.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.