ynab-mcp

An MCP server that exposes your YNAB (You Need A Budget) budget to MCP clients such as Claude Desktop and claude.ai.

Tools

Read

• ynab_list_budgets — budgets accessible with your token

• ynab_list_accounts — accounts and balances of a budget

• ynab_list_categories — category groups with budgeted / activity / balance

• ynab_list_payees — payees (paginated)

• ynab_list_transactions — transactions with filters (account, category, date, type)

• ynab_get_budget_month — monthly summary (to-be-budgeted, income, activity, age of money)

Write

• ynab_create_transaction — create a transaction (amount in currency units, negative = expense)

• ynab_update_transaction — partially update a transaction (categorize, approve, memo…)

Related MCP server: YNAB Assistant

Requirements

• uv

• A YNAB Personal Access Token — YNAB → Account Settings → Developer Settings → New Token

Setup

uv sync                       # install dependencies
cp .env.example .env          # then put your token in .env

.env:

YNAB_TOKEN=your-token-here
YNAB_BUDGET_ID=               # optional; empty = use YNAB's "last-used" budget

Run it:

uv run ynab-mcp

Use with Claude Desktop

Add to your claude_desktop_config.json:

{
  "mcpServers": {
    "ynab": {
      "command": "uv",
      "args": ["run", "--directory", "/absolute/path/to/ynab-mcp", "ynab-mcp"],
      "env": { "YNAB_TOKEN": "your-token-here" }
    }
  }
}

Remote (HTTP) hosting

Set MCP_TRANSPORT=http to serve over streamable-http (endpoint /mcp):

MCP_TRANSPORT=http HOST=0.0.0.0 PORT=8000 uv run ynab-mcp

Deploy to FastMCP Cloud

This server is built with the fastmcp package, so it deploys as-is on FastMCP Cloud:

1. Push this repo to GitHub, then connect it as a project on fastmcp.cloud.

2. Set the entrypoint to src/ynab_mcp/server.py:mcp.

3. Add YNAB_TOKEN (and optionally YNAB_BUDGET_ID) as an environment variable/secret in the project settings — dependencies are picked up automatically from pyproject.toml.

You can validate the entrypoint locally first:

uv run fastmcp inspect src/ynab_mcp/server.py:mcp

Conventions

• Amounts are in normal currency units; an expense is negative (e.g. -12.50). Conversion to/from YNAB milliunits is automatic.

• budget_id defaults to YNAB_BUDGET_ID, or the "last-used" budget if unset.

• YNAB rate limit: 200 requests / hour / token.

Development

uv sync --extra dev
uv run pytest          # tests (HTTP mocked, no network)
uv run ruff check .    # lint

Security

Never commit .env — it contains a live token and is gitignored. If a token leaks, rotate it in YNAB's Developer Settings.

License

MIT