get_savings_rate

Erzeugt

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Zweck

How much of the income was kept, month by month: income, spending, saved, rate.

Use it for “what’s my savings rate?”, “how much do I put aside each month?” or “am I saving more than last spring?”. Income is money in categorised to Ready to Assign on the budget accounts; starting balances and transfers are not income. Spending is money out of the budget accounts less refunds (money in categorised to a spending category); transfers between budget accounts are left out, a transfer to a tracking account holding an asset (savings, investments) is saved, a transfer to a tracking loan is spending. Saved is income plus spending; rate is saved over income, in percent, null for a month without income. Complete months only, from the budget’s first transaction. Relay the notes with the figures. Amounts in currency units, spending negative. For spending per category use get_spending_trends. Three YNAB requests: accounts, categories, transactions; changes nothing.

Verhalten

Art	nur lesend
Bestätigung	nein
Rückgängig	nein
Idempotent	ja
YNAB-Anfragen	3 für das Beispiel unten, leerer Cache

Parameter

Name	Typ	Pflicht	Standard	Beschreibung
plan_id	string	ja	—	YNAB plan id or ‘last-used’.
months_count	integer	nein	6	Complete months to measure, before the current one, 1 to 24 (default 6).

Rückgabe

Feld	Typ	Beschreibung
message	string	The conclusion in one sentence or two, for the agent to relay.
months	array of object	The complete months measured, oldest first.
months[].month	string	The month, YYYY-MM.
months[].income	number	Money in categorised to Ready to Assign.
months[].spending	number	Money out less refunds, negative; transfers to an asset tracking account excluded.
months[].saved	number	Income plus spending: what was kept; negative when more went out than came in.
months[].rate	number | null	Saved over income, in percent to one decimal; null when nothing came in.
income	number	Income over the period.
spending	number	Spending over the period, negative.
saved	number	Saved over the period: income plus spending.
rate	number | null	Saved over income for the whole period, in percent to one decimal; null when nothing came in.
average_saved	number	Saved per month, on average over the months measured.
best_month	string | null	The month with the highest rate, YYYY-MM; null when no month had income.
worst_month	string | null	The month with the lowest rate, YYYY-MM; null when no month had income.
moved_to_tracking	number	Money moved to tracking accounts that hold an asset over the period, part of saved.
notes	array of string	How the figures were counted, to tell the user.

Beispiel

Argumente:

{
  "plan_id": "demo-budget"
}

Antwort auf dem Demo-Budget:

{
  "message": "Over the last 3 complete months, 9600.00 came in and 4188.09 went out: 5411.91 saved, 56.4 % of the income. Best month: 2026-07 (56.9 %), worst: 2026-08 (55.4 %).",
  "months": [
    {
      "month": "2026-06",
      "income": 3200.0,
      "spending": -1382.75,
      "saved": 1817.25,
      "rate": 56.8
    },
    {
      "month": "2026-07",
      "income": 3200.0,
      "spending": -1379.06,
      "saved": 1820.94,
      "rate": 56.9
    },
    {
      "month": "2026-08",
      "income": 3200.0,
      "spending": -1426.28,
      "saved": 1773.72,
      "rate": 55.4
    }
  ],
  "income": 9600.0,
  "spending": -4188.09,
  "saved": 5411.91,
  "rate": 56.4,
  "average_saved": 1803.97,
  "best_month": "2026-07",
  "worst_month": "2026-08",
  "moved_to_tracking": 0.0,
  "notes": [
    "Income is money in categorised to Ready to Assign on the budget accounts; starting balances and transfers, from a tracking account too, are not income.",
    "Spending is money out of the budget accounts less refunds (money in categorised to a spending category); transfers between budget accounts are left out.",
    "A transfer to a tracking account that holds an asset (savings, investments) is saved, not spent; a transfer to a tracking loan or debt is spending, as YNAB's budget counts it.",
    "Saved is income less spending: what stayed in the budget accounts or went to an asset outside them. The rate is saved over income.",
    "Only the last 3 of the 6 months hold budget transactions: the figures are over those."
  ]
}

Fehler

Dieses Tool erzeugt keine eigenen Fehler; Fehler von YNAB kommen als Error calling tool '<tool>': YNAB <status>: <detail> zurück.

Siehe auch

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