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v0.1.0 - Initial Release

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@auzroz auzroz released this 27 Jan 15:30
v0.1.0
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YNAB MCP Server v0.1.0

The first public release of a comprehensive Model Context Protocol (MCP) server for YNAB (You Need A Budget). Enables AI assistants like Claude Desktop to interact with your budget through natural conversation.

✨ Highlights

  • 55 MCP Tools covering 100% of the YNAB API plus custom analytics
  • Safe by default with read-only mode enabled out of the box
  • Smart rate limiting with token bucket algorithm (stays within YNAB's 200 req/hour limit)
  • Intelligent caching to minimize API calls

📊 Analytics Tools (22)

Go beyond basic budgeting with AI-powered insights:

  • Subscription Detection - Automatically identify recurring payments and subscriptions
  • Spending Analysis - Category breakdowns and trend analysis
  • Budget Health Score - Overall assessment with actionable alerts
  • Savings Opportunities - Find areas to cut back
  • Cash Flow Forecasting - Project future balances based on scheduled transactions
  • Net Worth Tracking - Calculate total assets minus liabilities
  • Goal Progress - Track funding status with projections
  • And 15 more analytical tools...

🔧 Core API Coverage

Full coverage of YNAB API endpoints:

Category Tools
Budgets 3
Accounts 3
Categories 4
Transactions 10
Payees 5
Scheduled Transactions 2
Months 2
User 1
System 3

🚀 Getting Started

Prerequisites

Installation

git clone https://github.com/auzroz/ynab-mcp.git
cd ynab-mcp
npm install
cp .env.example .env
# Add your YNAB_ACCESS_TOKEN to .env
npm run build
npm start

Claude Desktop Configuration

Add to your Claude Desktop config:

{
  "mcpServers": {
    "ynab": {
      "command": "node",
      "args": ["/path/to/ynab-mcp/dist/index.js"],
      "env": {
        "YNAB_ACCESS_TOKEN": "your_token_here"
      }
    }
  }
}

🔒 Security

  • Read-only by default - Set YNAB_READ_ONLY=false to enable write operations
  • Input validation - All parameters validated with Zod schemas
  • Rate limit protection - Built-in safeguards against API quota exhaustion

📝 Example Prompts

Once connected, try asking Claude:

  • "What's my current net worth?"
  • "How much did I spend on dining out this month?"
  • "What subscriptions do I have?"
  • "Is my budget in good shape?"
  • "Where can I cut back on spending?"

📋 Requirements

  • Node.js 20 or later
  • YNAB account with API access

Full Changelog: https://github.com/auzroz/ynab-mcp/commits/v0.1.0

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