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pragprogrammer

YNAB MCP Server

create_account

Create a new financial account in your YNAB budget by specifying plan ID, name, account type, and current balance.

Instructions

Create a new account.

Args: plan_id: The plan ID (use list_plans to find available IDs) name: The name of the account type: The type of account ('checking', 'savings', 'cash', 'creditCard', 'lineOfCredit', 'otherAsset', 'otherLiability', 'mortgage', 'autoLoan', 'studentLoan', 'personalLoan', 'medicalDebt', 'otherDebt') balance: The current balance in dollars (e.g. 1000.00) exclude_fields: Optional list of field names to exclude from the response. If omitted, the model's default exclude list is used (see FIELDS.md). Pass [] to return all fields. Pass a custom list to override the default.

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
nameYes
typeYes
balanceYes
plan_idYes
exclude_fieldsNo

Output Schema

TableJSON Schema
NameRequiredDescriptionDefault
resultYes
Behavior2/5

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

No annotations are provided, so the description must convey behavioral traits. It only states 'Create' without mentioning side effects, permissions, validation rules, or success/failure behavior. The exclude_fields parameter is explained, but overall behavioral transparency is inadequate for a mutation tool.

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

Conciseness4/5

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

The description is structured as a docstring with an Args section, front-loaded with the purpose. While detailed, it efficiently provides necessary parameter info. Could be slightly more concise, but the detail for exclude_fields is warranted.

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

Completeness4/5

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

Given the presence of an output schema (so return values not needed), the description covers all parameters adequately. It lacks behavioral context (e.g., what happens on creation), but parameter descriptions are thorough. Overall fairly complete for the tool's complexity.

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

Parameters5/5

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

Schema coverage is 0%, but the description adds significant value: lists allowed values for type, gives balance format example, explains exclude_fields behavior in detail (default, pass [], custom list), and suggests using list_plans for plan_id. This goes well beyond the schema.

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

Purpose5/5

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

The description clearly states 'Create a new account' with a specific verb and resource. It differentiates from sibling tools like list_accounts and get_account by indicating it creates a new entity. References list_plans for finding plan IDs, aiding correct invocation.

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

Usage Guidelines4/5

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

The description implies usage for creating accounts and provides a prerequisite (use list_plans for plan_id). However, it lacks explicit guidance on when to use this tool versus alternatives (e.g., when to create vs. update). No exclusions or when-not instructions.

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

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