Connect Ynab to OpenClaw on Operator.io
YNAB (You Need A Budget) is a personal finance and budgeting platform that helps users track spending, plan budgets, and reach savings goals. It's designed to give you more control over your money and reduce financial stress.
Automate Ynab with AI
Your OpenClaw agent lives on Operator and treats Ynab as one more service it can drive. Send it an outcome in a Telegram or Discord message and it works out which of the 27 Ynab actions to run, then runs them.
Your agent reaches Ynab directly or through connectors like Composio MCP and Pipedream MCP, which handle the sign in and token refresh for you, so there is nothing to wire up and no API keys to paste.
What your agent can do with Ynab
Your agent can call any of these Ynab actions by name as part of a larger task. Ask for the outcome you want and it picks the right ones.
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 amount in milliunits.
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_transactions or get_schedule...
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 formats) - All ac...
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 standard currency). Respo...
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). Requires both budg...
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-related operations...
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 account details for e...
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; always use categor...
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 tool when you need...
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. Use this tool when...
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 previous request using t...
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; prefer since_date, type...
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; filter client-side usi...
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 scheduled_transaction_id....
How to connect Ynab
You authorize Ynab once from your dashboard. Operator holds the connection and refreshes the access tokens on its own, so your agent keeps working with Ynab without you signing in again. The same setup unlocks every other app your agent can reach, so you only do it once.
When you are ready, the get started guide walks through standing up your OpenClaw agent.
Common questions about Ynab
- How do I connect Ynab to Operator?
- Connecting Ynab is a one time sign in from your Operator dashboard. Operator keeps the connection live and rotates the token on its own, so the agent stays connected to Ynab and you never reauthorize by hand.
- Can my agent handle records and reporting in Ynab?
- Yes. It can create and update records, pull figures, and read a summary back to you in plain language. People use it to log transactions, check a balance, or answer a question about Ynab data instead of building the report by hand.
- Do I need to write code or manage Ynab API keys?
- No. Operator manages the Ynab connection and token refresh, so there are no API keys to paste and nothing to deploy.
- Can my agent use Ynab together with my other apps?
- Yes. The same agent reaches every app you connect, so it can move between Ynab and tools like Stripe, Coupa, Zoho books in one job, reading from one and acting in another without you wiring anything between them.
More apps to automate
Apps your agent runs alongside Ynab, or browse all integrations.
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