YNAB MCP

YNAB MCP is an MCP server that integrates with You Need A Budget (YNAB), the popular personal budgeting platform. While YNAB is primarily a budgeting tool rather than a trading platform, it provides valuable financial context that can inform trading decisions — such as available capital, overall financial health, and spending patterns. This server makes that budgeting data accessible through the MCP protocol.

The server connects to the YNAB API and exposes budget, account, and transaction data through structured MCP tools. Agents can retrieve budget categories, account balances, transaction history, and financial goal progress. This financial context is useful for traders who want their agents to consider their broader financial picture when making capital allocation or position sizing decisions.

YNAB MCP is suited for traders who use YNAB for personal finance management and want to bridge their budgeting data into their agent workflows. By understanding the full financial picture — not just brokerage balances — agents can provide more holistic advice about trading capital allocation and risk management. The server complements trading-focused MCP tools by adding the personal finance dimension that pure brokerage integrations lack.