ynab-mcp
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TDQS
Scored across 4 tools
Each tool targets a distinct aspect: categories, period summaries, budgets list, and transactions. There is no overlap or ambiguity.
All tool names follow a clear verb_noun pattern: get_categories, get_period_summary, list_budgets, list_transactions. The verbs 'get' and 'list' are semantically appropriate and consistent with each other.
With only 4 tools, the server feels thin for the domain of personal budgeting, which typically requires CRUD operations and more read views (accounts, payees, etc.). However, it's not critically underpowered, just minimal.
The server is entirely read-only, missing essential mutation tools (create/update/delete for budgets, categories, transactions). Even among reads, there are no tools for accounts, payees, or detailed budget month data beyond categories. This will leave agents unable to perform many common YNAB tasks.