Ynab MCP Server

Name: Ynab MCP Server
Author: issmirnov

by issmirnovversion 2.0.0i★ 3iRuns in the cloud

Registry namecom.smirnovlabs/ynab-mcp-server

Install

Overview

Description from the maker (original English)

Hosted remote MCP server for YNAB on Cloudflare Workers with OAuth

PopNx MCP’s three pillars

These three are never merged into one score: opinions, measurements and popularity are different things.

User voiceiNo reviews yetReviews open together with accounts in a later step
Our basic checksi3 of 4 passedChecked from public information; code not scanned yet
UsageiEarly★ 3

What you can do with it

We have not written a plain-language summary for this one yet. Below are the facts we read from the registry.

Connection: Runs in the cloud
Transport: Streamable HTTP
Category: Developer tools

Install

Pick the AI app you use, then copy the settings.

Before you install

Basic checks: 3 of 4 passed
Runs on the maker’s server: what you ask it goes through their server.
The registry lists no key to fill in.

You need

Runs in the cloudNothing to install; it connects over the internet

Which app do you use?

ClaudeClaude CodeCursorVS CodeChatGPT

Pick your app above. We remember it, so next time the button says “Install in …”.

Works in Claude on the web, desktop and mobile:

Open Settings → Connectors
Press Add custom connector
Paste the address below and press Add
If it asks you to sign in, sign in with the maker

https://mcpforynab.smirnovlabs.com/mcp

Run this in your terminal

claude mcp add --transport http ynab https://mcpforynab.smirnovlabs.com/mcp

Open in Cursor

Or copy the settings yourself

Paste into .cursor/mcp.json in your project, or ~/.cursor/mcp.json

{
  "mcpServers": {
    "ynab": {
      "url": "https://mcpforynab.smirnovlabs.com/mcp"
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

Open in VS Code

Or copy the settings yourself

Paste into .vscode/mcp.json in your project

{
  "servers": {
    "ynab": {
      "type": "http",
      "url": "https://mcpforynab.smirnovlabs.com/mcp"
    }
  }
}

Your browser asks to open the app, then the app shows the settings and asks you to confirm. Key values are left empty for you to fill in.

ChatGPT connects only to servers on the internet:

Open ChatGPT on the web → Settings → Connectors (Apps)
Press Create or Add (some plans need Developer mode under Advanced first)
Paste the address below, give it a name and save
If it asks you to sign in, sign in with the maker

https://mcpforynab.smirnovlabs.com/mcp

Menu names can differ slightly by plan and over time.

Your choice stays on this device in a cookie; no account needed.

These settings are generated from the maker’s registry entry. If the README says otherwise, follow the README.

Which apps can use it

Based on how this server connects and on each app’s own docs, checked Nov 10, 2026.

Connect over the internet in

Claude ChatGPT Goose LM Studio Msty Studio Cherry Studio Cursor VS Code + GitHub Copilot Visual Studio Windsurf (Devin Desktop)Zed Kiro Cline Continue JetBrains AI Assistant Claude Code Codex CLI Gemini CLI OpenCode nodecode Warp LibreChat Open WebUI Raycast

All apps, with pros and cons →

What it can do

The server asks you to sign in before it lists its tools.

Basic checksi

We check information anyone can see; we have not read the code. Checks that do not apply are left out of the count. · Checked Nov 11, 2026

! Caution
Maker matches the repo
The publisher (smirnovlabs.com) is not the repo owner (issmirnov); someone else may have listed it
✓ Pass
Still maintained
Code last changed 12 days ago
… Not checked yet
Has a licence
We have not read this repo from GitHub yet
✓ Pass
Endpoint responds
Responded in 202 ms (HTTP 401)
✓ Pass
Sign-in with OAuth
Declares OAuth sign-in, so your AI app can take you to log in
… Not checked yet
No hidden instructions in tool descriptions
Not checked yet; we read the tool list when we check the endpoint

Compared with others in Developer toolsi

More stars than 0% of the other 5739 servers in this category
Published to the registry more recently than 27% of the other 5739 servers in this category
Basic checks equal to or better than 29% of the other 5739 servers in this category

Compared with every active server in this category in the registry. Stars count only when the publisher owns the repo.

Common questions

Is Ynab MCP Server safe?

It passed 3 of 4 applicable basic checks. We have not read the code. Before adding a key or token, see what access the server asks for and use a key with only the permissions you need.

What keys or codes does it need?

The registry does not list a required key, though some servers ask you to sign in on first use.

Does it run on my computer or in the cloud?

It runs in the maker’s cloud. Connect over the internet with nothing to install, but what you send passes through the maker’s servers.

Is it still maintained?

The GitHub repo last changed 12 days ago, and the latest version (2.0.0) reached the registry 3 months ago.

Which apps can use it?

Apps that support MCP, such as Claude Desktop, Claude Code, Cursor and VS Code. It connects by URL, so apps that accept remote MCP servers work too, such as ChatGPT in developer mode.

What can I use instead?

In the same category: REA, Netdata, Front-End Checklist

Alternatives

Servers in the same category from other makers, sorted by stars.

Reading a card:↓ Downloads per weeki★ GitHub starsiThree pillars: reviews · checks · usageiUpdated = latest version published to the registryi

REA

Reverse engineer anything from your terminal or agent with one CLI and MCP server.

by morlutoWidely used↓ 388.7K/wk★ 448.2KUpdated 16 days ago

Runs on your computer

Install

Netdata

Real-time infrastructure monitoring with metrics, logs, alerts, and ML-based anomaly detection.

by netdataWidely used★ 81.3KUpdated 6 days ago

Runs in the cloud

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Front-End Checklist

Review frontend code and live pages against 386 quality-gated web development rules.

by thedaviddiasWidely used★ 74.7KUpdated 37 days ago

Runs in the cloud

Install

README from the maker

Open the README

Copied from the maker’s repo as written. PopNx MCP has not reviewed or endorsed it. HTML, images and scripts are removed. Links lead off this site.

ynab-mcp-server

Connect YNAB to ChatGPT or Claude with a hosted MCP server.

Use this if you want your AI assistant to read and manage your YNAB plans, categories, transactions, and goals — and review balances and net worth — after you sign in with your own YNAB account.

What You Need

a YNAB account
the hosted MCP URL: https://mcpforynab.smirnovlabs.com/mcp
ChatGPT or Claude with support for custom MCP connectors

Quick Start

Get your hosted MCP URL.
Add that URL in ChatGPT or Claude.
Click Connect.
Sign in with YNAB when prompted.
Return to your chat and start asking YNAB questions.

On Claude, the Add to Claude button at the top covers steps 1 and 2. See Set Up in Claude.

Set Up in ChatGPT

These steps are for the ChatGPT web app.

As of March 25, 2026, OpenAI requires developer mode for custom MCP connectors.

Before you start

You need a ChatGPT plan that supports custom MCP connectors.
If you are on a workspace plan, your admin may need to enable developer mode first.
You need this hosted MCP URL: https://mcpforynab.smirnovlabs.com/mcp.

Step-by-step

Open chatgpt.com.
Open Settings.
Enable developer mode if it is not already enabled.
Go to Apps or Connectors and choose to create a custom app or connector.
Paste your hosted MCP URL.
Choose OAuth if ChatGPT asks for an authentication method.
Save or create the connector.
Start a new chat.
Open the tools menu and enable the new connector.
When redirected, sign in with YNAB and approve access.
Return to ChatGPT and send a test prompt.

Good first prompts

Show me the balances of all my plan accounts.
List my plan categories with available amounts.
Find my most recent grocery transactions.
What were my largest spending categories last month?

Set Up in Claude

These steps are for claude.ai.

As of October 25, 2026, Claude keeps custom connectors under Customize > Connectors.

Before you start

Free, Pro, Max, Team, and Enterprise plans support custom connectors. The Free plan allows one.
The hosted MCP URL is https://mcpforynab.smirnovlabs.com/mcp. The Add to Claude button fills it in for you.
On Claude Team or Enterprise, an organization Owner adds the connector first.

Step-by-step for Claude Free, Pro, or Max

Click Add to Claude at the top of this page.
If prompted, sign in to Claude.
Claude opens the Add custom connector dialog with the fields filled in, plus a notice that the values came from an external link. Check that the name is YNAB and the URL is https://mcpforynab.smirnovlabs.com/mcp.
If the dialog shows Authentication and OAuth client settings, choose Sign in now and Register automatically. This server does not support Use Claude's published identity.
Click Add.
Click Connect.
When redirected, sign in with YNAB and approve access.
Start a new chat.
Click +, select Connectors, and turn on YNAB.
Send a test prompt.

To add the connector by hand, go to Customize > Connectors and click Add custom connector. Enter the name YNAB and the hosted MCP URL, then continue from step 4.

Step-by-step for Claude Team or Enterprise

An organization Owner adds the connector once. Then each member connects their own YNAB account.

For the Owner:

Open the organization install link. Claude opens the organization's Add custom connector dialog with the name and URL filled in.
If the dialog shows Authentication and OAuth client settings, choose Sign in now and Register automatically.
Click Add.

To add it by hand, go to Organization settings > Connectors and select Add, then Custom. Enter the name YNAB and the hosted MCP URL, then continue from step 2.

For each member:

Go to Customize > Connectors.
Find the connector your Owner added. It has the Custom label.
Click Connect.
When redirected, sign in with YNAB and approve access.
Start a new chat.
Click +, select Connectors, and turn on the connector.
Send a test prompt.

Good first prompts

Show me my current account balances in YNAB.
What categories are overspent right now?
Find transactions from Amazon in the last 30 days.
Summarize my spending by category this month.

What Happens When You Connect

ChatGPT or Claude connects to the hosted MCP URL.
The MCP server sends you to YNAB sign-in.
You approve access to your YNAB account.
The service stores the OAuth tokens needed to make future YNAB requests on your behalf.
Your assistant can then use YNAB tools and resources in chat.

Available Tools

Once connected, your assistant can use the tools below. Read tools only look at your data; Write tools change your budget (and ones marked *delete* remove data).

Budgets & setup

Tool	What it does	Access
`ynab_list_budgets`	List your YNAB budgets	Read
`ynab_budget_summary`	Month summary of categories, balances, and accounts	Read
`ynab_set_default_budget`	Remember a default budget so you don't name it every time	Setup

Categories & goals

Tool	What it does	Access
`ynab_list_categories`	List category groups and categories with balances and goals	Read
`ynab_create_category`	Create a category in a group	Write
`ynab_update_category`	Rename a category, edit its note, or move it between groups	Write
`ynab_create_category_group`	Create a category group	Write
`ynab_update_category_group`	Rename a category group	Write
`ynab_set_category_goals`	Create, update, or remove a category's goal	Write

Transactions

Tool	What it does	Access
`ynab_list_transactions`	List and filter transactions by account, category, payee, or date	Read
`ynab_get_unapproved_transactions`	List transactions waiting for approval	Read
`ynab_create_transaction`	Add a transaction, optionally split across categories	Write
`ynab_update_transaction`	Edit an existing transaction	Write
`ynab_set_transaction_splits`	Split a transaction across categories, change a split's lines, or merge it back into one category	Write
`ynab_approve_transaction`	Approve one pending transaction	Write
`ynab_bulk_approve_transactions`	Approve many pending transactions at once	Write
`ynab_delete_transaction`	Delete a transaction	Write (delete)

Scheduled (recurring) transactions

Tool	What it does	Access
`ynab_list_scheduled_transactions`	List scheduled/recurring transactions	Read
`ynab_create_scheduled_transaction`	Schedule a future or recurring transaction	Write
`ynab_update_scheduled_transaction`	Edit a scheduled transaction	Write
`ynab_delete_scheduled_transaction`	Delete a scheduled transaction	Write (delete)

Budgeting workflows

Tool	What it does	Access
`ynab_move_funds_between_categories`	Move budgeted dollars between categories	Write
`ynab_auto_distribute_funds`	Allocate "Ready to Assign" money across categories by goal	Write
`ynab_handle_overspending`	Cover overspent categories by moving funds	Write
`ynab_budget_from_history`	Allocate based on historical spending	Write
`ynab_reconcile_account`	Reconcile an account to a statement balance	Write

Analytics & insights (read-only)

Tool	What it does
`ynab_analyze_spending_patterns`	Spot spending trends and anomalies
`ynab_goal_progress_report`	Track progress toward category goals
`ynab_cash_flow_forecast`	Project upcoming cash flow from history
`ynab_category_performance_review`	Compare budgeted vs. actual by category
`ynab_net_worth_analysis`	Summarize net worth across accounts

YNAB API Coverage

How these tools line up with the official YNAB API (accessed through the ynab JavaScript SDK). ✅ = covered, ◐ = partial, — = not yet.

YNAB API area	Covered	Tools / notes
Budgets (plans)	✅	`ynab_list_budgets`, `ynab_budget_summary`; plan settings are not exposed
Accounts	◐	Balances read via `ynab_budget_summary`, `ynab_net_worth_analysis`, `ynab_reconcile_account`; no create-account or standalone account list
Categories & groups	✅	List, create, and update categories and groups; goals; per-month funding
Months	✅	Surfaced through `ynab_budget_summary` and the analytics tools
Transactions	✅	List, create, update, delete, approve, bulk-approve, and split across categories (file `import` is not exposed)
Scheduled transactions	✅	List, create, update, delete
Payees	—	Referenced implicitly by name in the transaction tools; no list/update-payee tool
Payee locations	—	Not exposed
User	—	Identity is handled by OAuth; `getUser` is not exposed

Beyond the raw API, this server adds composite tools that have no single API endpoint: the budgeting workflows (move funds, auto-distribute, handle overspending, budget from history, reconcile) and the analytics tools (spending patterns, goal progress, cash flow, category performance, net worth).

Troubleshooting

The connector does not appear in ChatGPT

Confirm your plan supports custom MCP connectors.
Confirm developer mode is enabled.
If you are on a workspace plan, confirm your admin enabled the required settings.

The connector does not appear in Claude

Confirm your plan supports remote MCP connectors.
On Team or Enterprise, confirm your workspace owner added the connector first.

I connected, but YNAB tools are not working

Disconnect and reconnect the connector.
Make sure you completed the YNAB OAuth approval step.
Start a fresh chat and re-enable the connector for that conversation.

The MCP URL is not working

Make sure you pasted the full HTTPS URL.
Do not remove the trailing /mcp if your hosted URL includes it.

Privacy

This service uses OAuth to connect to your YNAB account. It does not ask for your YNAB password directly.

This app is not officially supported by YNAB in any way. Use it at your own risk.

Read the privacy policy here:

PRIVACY.md

For Self-Hosting or Operators

If you are trying to deploy or host this service yourself, use CONTRIBUTING.md. This README is intentionally written for end users connecting the hosted service in ChatGPT or Claude.

Ynab MCP Server

Overview

PopNx MCP’s three pillars

What you can do with it

Install

Before you install

Which apps can use it

Related guides

What it can do

Basic checksi

Maker matches the repo

Still maintained

Has a licence

Endpoint responds

Sign-in with OAuth

No hidden instructions in tool descriptions

Compared with others in Developer toolsi

Common questions

Alternatives

REA

Netdata

Front-End Checklist

README from the maker

ynab-mcp-server

What You Need

Quick Start

Set Up in ChatGPT

Before you start

Step-by-step

Good first prompts

Set Up in Claude

Before you start

Step-by-step for Claude Free, Pro, or Max

Step-by-step for Claude Team or Enterprise

Good first prompts

What Happens When You Connect

Available Tools

Budgets & setup

Categories & goals

Transactions

Scheduled (recurring) transactions

Budgeting workflows

Analytics & insights (read-only)

YNAB API Coverage

Troubleshooting

The connector does not appear in ChatGPT

The connector does not appear in Claude

I connected, but YNAB tools are not working

The MCP URL is not working

Privacy

For Self-Hosting or Operators