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YNAB MCP Server

A minimal and auditable MCP server that enables local AI assistants to read and manage YNAB budget data. It supports operations like listing accounts, tracking transactions, and moving money between categories while maintaining user privacy.

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// key findings
9 tools verified — handlers match their declared behaviour
6 read-only tools verified — handlers contain no write/delete/exec
No credential exfiltration, no sensitive file access, no obfuscation
Static analysis found nothing flowing your secrets to unexpected places.
Open source with a license and README
Anyone can audit the code, the license is declared, and the publisher documents what it does.
🔐
You'll be asked for 1 credential: YNAB_API_TOKEN
These are read from process.env at runtime. Make sure you trust where they’ll be sent.
// required environment variables
This server reads these from process.env. You'll be asked to provide them before it can run.
🔐 secretYNAB_API_TOKENexport ="your-token-here"
// full audit trail
The full breakdown of what we checked, the deductions that landed, the network hosts, the dependency advisories, and concrete fix guidance is available to verified publishers.
// improvement guidance — verified publishers only
We have 1 concrete improvement we can share with the publisher of this MCP. Each comes with specific guidance to raise the trust score.
// embed badge in your README
[![M8ven Score](https://m8ven.ai/badge/mcp/wgdevelopment-ynab-mcp-server-ccsyuf)](https://m8ven.ai/mcp/wgdevelopment-ynab-mcp-server-ccsyuf)
commit: a7e855f32455b8ce53f5b40082d49913e1896fb4
code hash: c05ba6da570c71414fb5ae954c3a25466ed5584dbdfed7356d49e9001b249872
verified: 6/17/2026, 12:13:26 PM
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