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YNAB MCP Server

by rgarcia

createScheduledTransaction

Schedule a future transaction in YNAB by specifying account, date, amount, and optional payee, category, memo, flag, and frequency.

Instructions

Creates a single scheduled transaction (a transaction with a future date).

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).
scheduled_transactionYes
Behavior2/5

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

With no annotations, the description barely discloses behavior beyond the basic action. It does not mention idempotency, permissions, side effects, or constraints, leaving the agent underinformed.

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 concise sentence with no fluff. However, it sacrifices informativeness for brevity.

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?

Given the complexity of a creation tool with a nested object and no output schema, the description lacks essential context about expected outcomes, error handling, or validations, making it incomplete.

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?

The description adds no parameter-specific information beyond what the input schema already provides. Schema coverage is 50%, but the description does not compensate by explaining the nested object or parameter relationships.

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?

Description clearly states the action 'Creates' and the resource 'scheduled transaction', with clarification that it's a future-dated transaction, distinguishing it from immediate transaction 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 on when to use this tool vs alternatives like createTransaction, or any prerequisites or context. The description lacks usage context entirely.

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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