YNAB Skill

Overview

Quick Install

curl -sSL https://canifi.com/skills/ynab/install.sh | bash

cp -r skills/ynab ~/.canifi/skills/

Setup

# First, ensure canifi-env is installed:
# curl -sSL https://canifi.com/install.sh | bash

canifi-env set YNAB_EMAIL "your-email@example.com"

Privacy & Authentication

Option 1: Manual Browser Login (Recommended)

1. Complete the Browser Automation Setup using CDP mode
2. Login to the service manually in the Playwright-controlled Chrome window
3. Claude will use your authenticated session without ever seeing your password

Option 2: Environment Variables

canifi-env set SERVICE_EMAIL "your-email"
canifi-env set SERVICE_PASSWORD "your-password"

Capabilities

• View budget category balances and availability
• Check spending against assigned amounts
• Track Age of Money metric
• Review recent transactions
• Identify overspent categories
• Monitor savings goals progress

Usage Examples

Example 1: Check Budget Overview

User: "How much do I have available for dining out?"
Claude: I'll check your YNAB budget.
- Opens app.ynab.com via Playwright MCP
- Navigates to current month budget
- Returns: Dining Out: $127.45 available
- Assigned this month: $300
- Spent so far: $172.55
- Activity: 8 transactions

Example 2: Check Overspent Categories

User: "Am I overspent in any categories?"
Claude: I'll review your budget status.
- Scans all category groups
- Overspent categories (red):
  - Auto Maintenance: -$145.00 (unexpected repair)
  - Clothing: -$67.50
- Underfunded (yellow):
  - Subscriptions: Needs $12.99 more
- Ready to Assign: $0 (fully budgeted)
- Suggests: Cover from Dining Out or Emergency Fund

Example 3: Check Age of Money

User: "What's my Age of Money?"
Claude: I'll check your YNAB metrics.
- Navigates to reports section
- Age of Money: 45 days
- Trend: Up from 38 days last month
- Interpretation: On average, money sits 45 days before spent
- Goal: 30+ days means living on last month's income
- You're ahead of the curve!

Authentication Flow

1. Navigate to app.ynab.com via Playwright MCP
2. Click "Log In" and enter email
3. Enter password
4. Handle 2FA if enabled
5. Select correct budget if multiple
6. Maintain session for budget access

Error Handling

• Login Failed: Retry, check password reset
• Budget Not Found: List available budgets
• Sync Pending: Wait for bank connections
• Session Expired: Re-authenticate automatically
• Rate Limited: Wait 60 seconds, retry
• 2FA Required: Complete verification flow

Self-Improvement Instructions

• Track budget category patterns
• Note Age of Money trends
• Log common overspending areas
• Document UI changes

• YNAB updates interface
• New features released
• Methodology guidance changes
• Report types added

Notes

• YNAB uses zero-based budgeting (every dollar assigned)
• "Give every dollar a job" is core philosophy
• Roll with the punches: move money between categories
• Age of Money indicates financial buffer
• Subscription: $14.99/month or $99/year
• Bank connections via Plaid integration