Connect YNAB to your AI agent
YNAB (You Need A Budget) is a budgeting tool helping users track expenses, plan finances, and gain control over spending to reduce debt
We set up the connection using your own YNAB account, with keys you control, and keep it running. Your agent picks it up and starts doing the work.
Actions
What your agent can do in YNAB
Each one is a real action the agent can take on its own, the same things a person clicking around YNAB could do. Read-only by default; write actions are confirmed against your policy.
- Create a new account in a budget Tool to create a new account in a budget. Use when you need to add a manual (non-linked) account to a specific budget.
- Create Scheduled Transaction Creates a scheduled (recurring) transaction in a YNAB budget. Use this to set up bills, recurring expenses, or income that repeats on a schedule. Requires an account_id (from YNAB_LIST_ACCOUNTS), a date, frequency, and…
- Delete Scheduled Transaction Permanently deletes a scheduled transaction from a YNAB budget. Use this when a recurring transaction is no longer needed. This action cannot be undone. Obtain the scheduled_transaction_id from list_scheduled_transactio…
- Get Account by ID Tool to retrieve a single account resource. Use when you need details of a specific account by its ID after determining the budget.
- Get Budget By ID Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions. Use this tool when you need comprehensive budget data. The response includes: - Budget metadata (name, date/currency…
- Get Budget Month Tool to retrieve a specific budget month. Use when you need detailed summary and category budgets for a given month after confirming the budget ID. Monetary amounts are returned in milliunits (divide by 1000 for standar…
- Get Budget Settings Tool to retrieve budget-level settings. Use when you need to fetch currency and date formatting preferences for a specific budget.
- Get Category by ID Retrieve a single YNAB budget category by its ID. Use this to get detailed category information including budgeted amounts, activity, balance, and goal settings. Amounts are returned for the current budget month (UTC).…
- Get Month Category By ID Tool to retrieve a single category for a specific budget month. Use after selecting the budget and month when you need month-specific category details.
- Get Payee by ID Tool to retrieve a single payee by its ID. Use when you need full details of a payee after confirming the budget and payee selection.
- Get Scheduled Transaction by ID Tool to retrieve a single scheduled transaction. Use when you need details of a specific scheduled transaction by its ID after confirming the budget.
- Get Transaction by ID Tool to retrieve a single transaction by its ID. Use when you need detailed information for a specific transaction after confirming the budget.
- Get Authorized User Tool to retrieve the authorized user's information. Use after authentication to get current user details.
- List Accounts Retrieves all accounts for a specified YNAB budget. Use this tool to: - Get a complete list of accounts (checking, savings, credit cards, loans, etc.) in a budget - Retrieve account IDs for use with other YNAB account-r…
- List Budgets Retrieves all budgets accessible to the authenticated YNAB user. Use this tool to: - Get a list of all budgets in the user's YNAB account - Retrieve budget IDs for use with other YNAB operations - Optionally include acc…
- List Categories Tool to list all category groups and their categories for a budget. Use when you need the full set of budget categories or only those changed since last sync. Category names may include emojis or near-identical labels;…
- List Budget Months Tool to list months for a budget with summary information. Use when you need an overview of all months or only changed months since a given knowledge value (delta requests).
- List Payee Locations Retrieves all GPS locations associated with payees in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees. Use this t…
- List Payee Locations by Payee Retrieves all GPS locations associated with a specific payee in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees.…
- List payees in a budget Tool to list payees in a budget. Use when you need all payees or only those changed since a known server knowledge value.
- List Scheduled Transactions List all scheduled (recurring) transactions for a YNAB budget. Returns future-dated transactions that repeat on a schedule (e.g., rent, subscriptions, paychecks). Supports delta sync to fetch only changes since a previo…
- List Transactions Tool to list transactions in a budget. Use when you need all or delta-filtered transactions after confirming the budget. Omitting all filters returns the full transaction history, which may produce large payloads; prefe…
- List Transactions by Account Tool to list transactions for a specific account. Use when you need all or delta-filtered transactions for a given account after confirming the budget and account ID.
- List Transactions by Category Tool to list transactions for a specific category (excludes pending). Use when you need completed transactions for a given category after obtaining budget_id and category_id. Response includes deleted transactions; filt…
- List Transactions by Payee Tool to list transactions for a specific payee in a budget. Use when you need to fetch all non-pending transactions for a payee after confirming budget and payee IDs.
- Update Payee Tool to update a payee. Use when you need to rename an existing payee.
- Update Scheduled Transaction Update an existing scheduled transaction in YNAB. Allows modifying the date, frequency, amount, payee, category, memo, or account of a scheduled transaction. Use YNAB_LIST_SCHEDULED_TRANSACTIONS first to get the schedul…
Setup
How we connect it
- 1
Connect your account
You log in with your own YNAB account. We never see your password, and you can revoke access from YNAB at any time.
- 2
Set the guardrails
Read-only by default. You choose which write actions the agent may take, and anything outside that policy gets confirmed with you first.
- 3
We keep it running
Health checks on every connection, updates handled for you, and we watch the first week of activity to make sure the work lands.
FAQ
YNAB questions, answered.
You sign in with your own YNAB account. Permissions are scoped to the minimum the agent needs, the connection is health-checked, and you can revoke access from YNAB at any time.
The actions YNAB's API allows, the same things a person clicking around the app could do. Connections start read-only by default; write actions are confirmed against the policy you set before the agent takes them.
Connections are priced per tool on top of the base plan. Some are included, some are premium. See pricing for how connection charges work.
Standard tools are ready inside 7 business days of the setup call. We test the connection end to end, walk you through how the agent uses it, and watch the first week of activity.
Ready to put YNAB to work?
Tell us what your team runs on. We set up the connection, secure it, and your agent takes it from there.
All product names, logos, and brands are property of their respective owners; used for identification only. ZeroToClaw is not affiliated with or endorsed by YNAB.