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YNAB MCP Server

by rgarcia

createAccount

Adds a new account to a YNAB budget by specifying its name, type, and starting balance.

Instructions

Creates a new account

Input Schema

TableJSON Schema
NameRequiredDescriptionDefault
plan_idYesThe id of the plan ("last-used" can be used to specify the last used plan and "default" can be used if default plan selection is enabled (see: https://api.ynab.com/#oauth-default-plan)
accountYes
Behavior2/5

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

No annotations are provided, so the description carries the full burden. It only states the verb 'creates' without disclosing side effects, permissions required, or behavioral constraints. Minimal transparency beyond the action itself.

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

Conciseness3/5

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

The description is a single sentence, which is concise. However, it is overly minimal and lacks structure such as front-loading key information. It meets minimal conciseness but could be more informative without adding length.

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

Completeness1/5

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

Given the complexity (2 parameters, nested object) and absence of annotations and output schema, the description is completely inadequate. It does not explain return values, success conditions, or usage context. The agent has insufficient information to use the tool correctly.

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

Parameters2/5

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

Schema description coverage is only 50% (based on signal), meaning half of the parameters lack descriptions in the schema. The tool description adds no parameter info, so it fails to compensate for the gaps. The description does not explain the meaning of the parameters beyond what the schema already provides.

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?

Description clearly states 'Creates a new account', which is a verb+resource. However, it does not differentiate from sibling tools like createCategory or createTransaction, all of which have similar 'Creates a new...' phrasing. Thus, it's clear but lacks sibling differentiation.

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

Usage Guidelines2/5

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

No guidance is provided on when to use this tool versus alternatives such as updateAccount or importTransactions. There are no when-to-use or when-not-to conditions, leaving the agent to infer from the name alone.

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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