YNAB预算管理MCP服务器

you-need-an-mcp

An MCP server that lets an LLM read and manage a YNAB plan. It can answer questions about accounts, categories, spending, and scheduled transactions, and it can enter and edit transactions, assign and move money, and manage scheduled transactions. YNAB now calls budgets "plans", and so does this server.

Setup

1. Install Dependencies

uv sync

2. Get YNAB Access Token

To use this MCP server, you need a YNAB Personal Access Token:

1. Log into your YNAB account at https://app.ynab.com
2. Go to Account Settings (click your email in the top right corner)
3. Click on Developer Settings in the left sidebar
4. Click New Token
5. Enter a token name (e.g., "MCP Server")
6. Click Generate
7. Copy the generated token (you won't be able to see it again)

3. Set Environment Variables

export YNAB_ACCESS_TOKEN=your_token_here

Set the plan ID used by all tools (required). It is the ID in the address of your plan in YNAB's web app: https://app.ynab.com/<plan-id>/....

export YNAB_PLAN=your_plan_id_here

To serve only the tools that read the plan, set YNAB_READ_ONLY to any non-empty value. The tools that change the plan are then not offered at all.

export YNAB_READ_ONLY=1

4. Run the Server

uv run python server.py

Windows / Managed Machines

If uvx or you-need-an-mcp.exe fails with Access is denied (os error 5), endpoint security may be blocking the generated console-script executable. Launch the server through the environment's python.exe instead.

For a source checkout, after installing dependencies with uv sync --locked, run these PowerShell commands from the repository directory:

$env:YNAB_ACCESS_TOKEN = "<your-token>"
$env:YNAB_PLAN = "<your-plan-id>"
& .\.venv\Scripts\python.exe -m server

For a persistent tool installation of a version with module-launch support (uv tool install git+https://github.com/chrisguidry/you-need-an-mcp.git), locate the interpreter using uv tool dir rather than assuming a fixed installation path:

$toolDirectory = uv tool dir
$python = Join-Path $toolDirectory "you-need-an-mcp\Scripts\python.exe"
& $python -I -m server

To register that installed environment with Claude Code, replace the placeholders with your configuration:

claude mcp add ynab --scope user `
  -e "YNAB_ACCESS_TOKEN=<your-token>" -e "YNAB_PLAN=<your-plan-id>" `
  -- $python -I -m server

The module launch runs the same MCP server as the console-script entry point. For installed tools, -I prevents an unrelated server.py in the current directory from shadowing the installed module. It requires an installed environment and permission to execute its interpreter. If endpoint security also prevents installation or interpreter execution, use your organization's approved setup process.

Available Tools

Every tool is tagged read or write, and carries MCP annotations that tell a client whether it only reads, adds, changes, or deletes, so the client can ask you before a change. All amounts are in your plan's currency, not milliunits.

Plan and months

• get_plan - The plan's name, the months it covers, and its currency format
• get_plan_month - One month's income, assigned, activity, Ready to Assign, age of money, and categories
• list_plan_months - Every month's totals, newest first
• get_month_category - One category's amounts and target for a month

Accounts

• list_accounts - Accounts with balances, optionally including closed ones
• create_account - Add an account that you track by hand

Categories and assigning money

• list_categories / list_category_groups - Categories by group, with this month's assigned, activity, available, and target
• create_category, update_category - Add or change a category and its target
• create_category_group, rename_category_group - Manage category groups
• assign_money - Assign more to a category from Ready to Assign, or take some back
• set_assigned - Set exactly what a category has assigned
• move_money - Move assigned money from one category to another
• list_money_movements - The history of money assigned and moved

Payees

• list_payees, find_payee - Browse or search payees
• create_payee, rename_payee - Manage payees

Transactions

• list_transactions - Filter by account, category, payee, dates, amounts, unapproved or uncategorized status, and text
• get_transaction - One transaction, with its splits
• create_transactions - Enter spending, income, transfers, and splits
• update_transactions - Approve, categorize, and fix transactions in bulk
• delete_transaction - Delete a transaction
• import_transactions - Import new transactions from linked banks now

Scheduled transactions

• list_scheduled_transactions, get_scheduled_transaction - Upcoming bills and income
• create_scheduled_transaction, update_scheduled_transaction, delete_scheduled_transaction - Manage schedules
• enter_scheduled_transaction - Enter a scheduled transaction now, before its date, and move the schedule to its next date

YNAB's API cannot create or change split scheduled transactions, and it cannot attach receipts to transactions.

Pagination

Every listing tool takes limit and offset. Check pagination.has_more, and raise offset by limit to get the next page.

Security Note

Keep your YNAB access token secure and never commit it to version control. The token can read and change everything in your YNAB account. Use YNAB_READ_ONLY when you want the server to only read.