Nyuchi MCP for YNAB is a remote Model Context Protocol server that connects an AI assistant — Claude, ChatGPT, or another MCP-compatible client — directly to your own YNAB budget, so you can ask it questions and have it make changes on your behalf, in plain English.
What it can do
Answer questions across accounts, transactions, categories, payees, and months
Create, update, or delete transactions — including bulk operations
Search transactions and pull spending/category/payee analytics
Generate a monthly report, with a live interactive dashboard on hosts that support it
Reconcile an account — compare cleared transactions against a real-world statement balance, the same workflow as YNAB's own "Reconcile" button
Manage scheduled transactions and category budgeting month to month
It accepts plain dollar amounts (not YNAB's internal milliunits format) and uses delta sync plus caching so repeated questions come back fast without hammering the YNAB API.
Getting started
See Connecting to Claude, ChatGPT, or another MCP client to add it to your assistant.
Open source
This is a hosted deployment of the open-source mcp-ynab project, built by Nyuchi. You're welcome to self-host your own instance instead — the README covers the Cloudflare deployment.
Questions?
Use the chat bubble in the corner of ynab.nyuchi.com, or email [email protected].