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YNAB MCP Server

by rgarcia

createCategory

Add a new category to a YNAB budget plan by specifying its name and category group. Optionally set a savings goal with target amount and date.

Instructions

Creates a new category

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)
categoryYes
Behavior2/5

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

No annotations exist, so the description must carry the full burden. It merely states the action without disclosing behavioral traits like duplicate handling, required permissions, rate limits, or side effects (e.g., whether it returns the created category).

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 a single sentence with no redundant words. It is efficient but arguably too sparse for a creation tool; however, it meets conciseness standards with no filler.

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

Completeness2/5

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

With no output schema and no annotations, the description is underdeveloped for a mutation tool. It omits return values, prerequisites (e.g., category group must exist), and behavioral details necessary for correct invocation.

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?

The input schema coverage is approximately 50% (plan_id described, category object lacks top-level description but nested fields are detailed). The description adds no parameter-level information beyond what the schema provides. Baseline 3 is appropriate given moderate coverage.

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 'Creates a new category' is a specific verb+resource pairing. It clearly indicates the tool's action and target, distinguishing it from sibling tools like createCategoryGroup or createAccount. However, it lacks explicit differentiation from other creation tools.

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 createCategoryGroup or updateCategory. There are no exclusions, prerequisites, or context hints about appropriate usage scenarios.

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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