Features

avenir-mcp gives an agent 25 tools, 4 resources and 4 prompts over your YNAB plans. This page lists them by what you want to do. Each row gives a sentence you can say to the agent; the agent chooses the tool.

Note

R = read-only, always available. W = write, available with AVENIR_MCP_WRITE=1, previewed and confirmed. ↺ = can be undone with undo_operation.

Plan or budget?

YNAB now calls a budget a plan, and so do avenir-mcp’s tools (list_plans, plan_id). Say whichever you prefer: the agent understands both and answers with your word. “My budget for Restaurants” still means the amount assigned to that category.

Look around

You say	Tool
“Which plans do I have?”	list_plans	R
“What’s on my accounts?”	list_accounts	R
“Why are my bank transactions not coming in?”	list_accounts — each account’s bank link (working, broken, none) and last reconciliation	R
“Which category groups exist?”	list_category_groups	R
“Which transaction is my 86.40 receipt from the 12th?”	find_transactions — by dates, exact amount and account, categorised or not	R
“What made Restaurants overspent this month?”	find_transactions — by category, split lines included, or by payee, whatever the bank label	R
“Which bills are due before the 10th?”	list_scheduled_transactions — scheduled transactions repeated at their frequency, with money in and out	R
“What am I subscribed to, and what does it cost a year?”	find_recurring_charges — charges seen most months, costliest over a year first	R

The plans, accounts and categories are also served as resources your client can attach to a conversation without a tool call.

Understand a month

You say	Tool
“How is September going?”	get_monthly_summary — income, budgeted, spent, Ready to Assign, overspent categories	R
“Show me every category.”	get_category_balances — budgeted, spent, available per category	R
“Which budgets are almost spent?”	get_budget_vs_actual — share of each budget consumed	R
“Is Restaurants high every month?”	get_spending_trends — spending per category over N months	R

Guide: Review a month.

Classify transactions

You say	Tool
“Fetch my bank’s latest transactions.”	import_transactions — what Import does in YNAB, applied at once	W
“What still needs a category?”	suggest_categories — pending transactions, with a suggestion when your history is clear	R
“Yes, apply that.”	apply_categories — one confirmed batch	W ↺
“Flag the ones I should check in YNAB.”	flag_transactions — a coloured flag, to look at in YNAB	W ↺
“Split this receipt: 81.15 groceries, 5.25 household.”	split_transaction — one transaction across several categories; undone in YNAB, not here	W
“Mark them as reviewed.”	approve_transactions — clears YNAB’s unapproved flag	W

Suggestions recognise a merchant across its bank labels (CB MARKET FRESH FACT 050926 525130******1 and … 190926 … are the same shop), learn money in and money out apart, and never point to a hidden category. Guide: Classify pending transactions. How it works: Suggestions.

Check against the bank

You say	Tool
“My bank shows 3,440.80. Does YNAB agree?”	reconcile_account — explains a gap without writing; reconciles once it matches	W ↺
“Add the pharmacy payment the import missed.”	create_transactions	W ↺

A gap is explained by pending transactions, the one whose amount equals the difference, and likely duplicates (same amount and merchant, at most 3 days apart). Guides: Reconcile an account, Add missing transactions.

Plan

You say	Tool
“Will I go below zero before December?”	forecast_balance — month by month, with its assumptions	R
“Put 150 in Restaurants for September.”	set_category_budget	W ↺
“Move 30 from Tennis to Restaurants.”	move_money — both categories in one confirmation	W ↺

The forecast places YNAB’s scheduled transactions on their dates, finds recurring charges in your history, averages the rest, and lets you give your income and one-off amounts. Guide: Plan ahead. How it works: Forecasting.

Organise categories

You say	Tool
“Create a Pets category in Everyday.”	create_category	W
“Rename Tennis to Sport.”	update_category — also moves a category to another group	W
“Save 1,200 for the holidays by June 2027.”	set_category_target — an amount by a date, or each month, week or year	W ↺

Guide: Organise categories.

Undo

You say	Tool
“Undo that.”	undo_operation — the latest operation, or the one named	W

Guide: Undo a change. How it works: Journal and undo.

Ready-made workflows

Four prompts walk the agent through a whole task. In Claude Code they are slash commands of the avenir-mcp server.

Prompt	Arguments	What it does
classify_pending	plan	suggestions, your choices, one confirmed batch, the undo id
monthly_review	plan, month	totals, what stands out, proposed fixes
reconcile	plan, account, bank balance	the gap explained, then a confirmed reconciliation
plan_next_month	plan	forecast and assumptions, then next month’s amounts

Built in

• Safety: read-only by default, confirmation bound to the exact preview, a local journal for undo, bank text treated as untrusted. See Safety by design.
• Economy: a local copy of your transactions refreshed with delta sync; most tools cost one or two YNAB requests. See Data and sync.
• Clarity for agents: currency units, typed output schemas with a description per field, pagination, actionable errors.
• Protocol: MCP 2026-07-28 and earlier versions; stdio or streamable HTTP.