# Your YNAB budget. In your agent.

Source: https://corespeed.io/integrations/ynab

Connect YNAB, the personal budgeting app, to Claude Code, Codex, Cursor or any MCP agent through CoreSpeed. Your agent reads your plan's categories, months and transactions, and tells you where you are overspent and what is left to assign. It uses your own YNAB account. Adding a transaction or moving money is a separate call that approvals can hold.

## Set up an agent

Give your agent this line: `set up https://corespeed.io/SKILL.md (read it raw, e.g. with curl)`

It fetches the skill at https://corespeed.io/SKILL.md, adds the CoreSpeed MCP server, signs you in (or up), and keeps the skill for next time. Connect YNAB after setup. Access follows the connected account and its permissions. Create an account: https://app.corespeed.io/sign-up

## Where the money went. What is left to assign

Let your agent read this month's categories and recent transactions in YNAB, and point out the overspending.

You ask your agent: "In YNAB, check this month's categories and the transactions behind any overspending. Tell me what to cover from Ready to Assign. Do not change anything."

It calls CoreSpeed:

- `ynab__get_month`: ok, 364 ms
- `ynab__list_category_transactions`: ok, 412 ms

It reads from: YNAB.

### Budget check: Dining out is $38 over.

Dining out has $238 spent against $200 assigned. Ready to Assign holds $120, enough to cover it.

**Overspent**

- Dining out: $38 over, mostly two dinners on the weekend of the 8th.

**To cover it**

- Assign $38 from Ready to Assign, leaving $82.

_Illustrative budget and figures · Nothing changed in YNAB_

All connectors: https://corespeed.io/docs/connectors

## Ask about your budget. Get a plain answer

Requests you can make once YNAB is connected. The data is fictional.

### Check the month

November · categories · Assigned and available

- Overspent: Dining out, $38
- Ready to Assign: $120
- From the plan you connected

### Cover the overspending, with a check

A write, held for you · Approval before the change

- Category: Dining out, November
- Assigned: $200 to $238
- Held for approval

### See what is coming up

Scheduled transactions · Next 30 days

- Scheduled: 4 transactions, $1,905
- Largest: Rent, $1,650 on 1 December
- Read only · Nothing changed

## Keep your agent. Bring your work

One CoreSpeed account, across compatible agents.

1. **Set up CoreSpeed**: Give your agent the setup line. It adds CoreSpeed and signs you in.
2. **Connect YNAB**: Authorize the account and the content you need.
3. **Start with one task**: Ask for a summary, a brief, or a draft. Review the answer.

Setup guides: Claude Code https://corespeed.io/docs/mcp#claude-code · Codex https://corespeed.io/docs/mcp#codex · Cursor https://corespeed.io/docs/mcp#cursor

## Questions

### What is YNAB?

YNAB, short for You Need A Budget, is a personal budgeting app. You give every dollar a job by assigning it to a category.

### Can my agent change my budget?

Yes, when you ask. Adding a transaction or changing an assigned amount is a separate tool call that approvals can hold. How approvals work: https://corespeed.io/docs/approvals

### How does YNAB connect?

Sign in with YNAB, or paste a personal access token from YNAB's developer settings. Either one gives full access to your plans.

### Do I have to switch agents?

No. CoreSpeed adds tools to the agent you already use: Claude Code, Codex, Cursor, or another MCP client. Each one signs in once.

### Can my agent access every account in our organization?

No. Access follows your CoreSpeed identity, each connection's visibility, and the app's own permissions. Personal connections stay private.

### Does this work without connecting an account?

No. Connect the app's account first; your CoreSpeed workspace shows what each app needs. The examples on this page use fictional data. All connectors: https://corespeed.io/docs/connectors

Every tool and price: https://corespeed.io/catalog/ynab

## Related pages

- [Approval gates for AI agent tool actions](https://corespeed.io/solutions/agent-approvals): Set approval policies for writes through CoreSpeed. Review held tool actions while your team keeps using its preferred agents.
- [App integrations for Claude Code, Codex, and Cursor](https://corespeed.io/integrations): Connect Gmail, Slack, Notion, GitHub, and more to Claude Code, Codex, Cursor, and other MCP clients. Manage private and shared connections.
- [Xero for Claude Code, Codex, and Cursor](https://corespeed.io/integrations/xero): Bring Xero invoices, payments and quotes into your agent. See who still owes what before you chase anyone.

## Sources

- Connectors: https://corespeed.io/docs/connectors
- YNAB API: https://api.ynab.com/
- The YNAB Method: https://www.ynab.com/ynab-method

Reviewed 2026-11-10.

## Links

- Product overview: https://corespeed.io/ (Markdown: https://corespeed.io/index.md)
- All integrations: https://corespeed.io/integrations (Markdown: https://corespeed.io/integrations.md)
- Documentation: https://corespeed.io/docs
- Pricing: https://corespeed.io/pricing (Markdown: https://corespeed.io/pricing.md)