Talk to your budget
in plain English.
Connect your AI assistant directly to YNAB and manage your budget through conversation. Analyze spending trends, categorize months of transactions, and generate custom reports — all in natural language.
❯ Compare my dining out spending: Jan–Mar 2025 vs. Jan–Mar 2026
❯ Break down last month into needs, wants, and savings
❯ I have 47 uncategorized transactions — categorize them based on my payee history
❯ Find subscriptions I'm paying for that I haven't used category budget on
❯ Generate a tax-ready summary of all deductible categories for 2025
Not a replacement for YNAB.
A power tool on top of it.
Clicking through YNAB to categorize 5 transactions is fast. But analyzing spending trends, catching up after a rough month, or building custom reports? That's where your AI assistant earns its keep.
Insights YNAB Can't Show You
Year-over-year spending comparisons, needs vs. wants breakdowns, seasonal patterns — ask complex questions that would require spreadsheet exports to answer.
Catch Up on Months of Transactions
Life happens. If you've fallen behind on categorizing, let AI bulk-process weeks or months of transactions using your existing categories and patterns.
Spot Bad Habits
Find overused "Other" categories, duplicate transactions, subscriptions you forgot about, or spending that crept up without you noticing.
Custom Reports
Weekly spending summaries, monthly budget reviews, tax-time category breakdowns — get reports YNAB doesn't offer, in the format you want.
Import From Anywhere
Paste bank statement text, scratch notes, or CSV data and let AI create properly categorized YNAB transactions from messy real-world input.
Smart Caching
Built-in 4-tier caching with delta sync keeps responses fast without hammering the YNAB API.
This doesn't replace manual budgeting
The hands-on, intentional process that makes YNAB work? Keep doing that. This is for the stuff that's tedious, time-consuming, or simply impossible in YNAB's UI.
Keep doing in YNAB
Assigning dollars to categories
Approving daily transactions
Reconciling accounts
Making intentional spending decisions
Use your AI for
Analyzing trends across months or years
Bulk-categorizing a backlog
Custom reports and breakdowns
Finding patterns you'd miss manually
Your financial data, your machine
This MCP server runs locally on your machine — nothing is hosted
We never see, store, or transmit your financial data
Your YNAB API key stays on your machine — it only connects directly to YNAB's official API
The source code is fully open — audit it yourself
Your AI provider (Anthropic, OpenAI, etc.) will process the budget data you share in conversations — this is how AI assistants work. Review your provider's data policies.
For commercial Claude users: Your data won't be used for AI training. Learn more about provider tiers.