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ynab

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🇺🇸

Original

English
🇨🇳

Translation

Chinese

YNAB Skill

YNAB Skill

Overview

概述

Enables Claude to access YNAB's zero-based budgeting system to view budget categories, check available funds, track spending, and help maintain financial discipline using YNAB's methodology.
让Claude能够访问YNAB的零基预算系统，查看预算类别、查询可用资金、追踪支出，并借助YNAB的方法帮助维持财务纪律。

Quick Install

快速安装

bash
curl -sSL https://canifi.com/skills/ynab/install.sh | bash
Or manually:
bash
cp -r skills/ynab ~/.canifi/skills/
bash
curl -sSL https://canifi.com/skills/ynab/install.sh | bash
或者手动安装：
bash
cp -r skills/ynab ~/.canifi/skills/

Setup

设置

Configure via canifi-env:
bash
undefined
通过canifi-env进行配置：
bash
undefined

First, ensure canifi-env is installed:

首先，确保已安装canifi-env：

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

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

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

Privacy & Authentication

隐私与认证

Your credentials, your choice. Canifi LifeOS respects your privacy.
你的凭证，由你掌控。 Canifi LifeOS尊重你的隐私。

Option 1: Manual Browser Login (Recommended)

选项1：手动浏览器登录（推荐）

If you prefer not to share credentials with Claude Code:
  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
如果你不想与Claude Code共享凭证：
  1. 使用CDP模式完成浏览器自动化设置
  2. 在Playwright控制的Chrome窗口中手动登录该服务
  3. Claude将使用你的已认证会话，全程不会获取你的密码

Option 2: Environment Variables

选项2：环境变量

If you're comfortable sharing credentials, you can store them locally:
bash
canifi-env set SERVICE_EMAIL "your-email"
canifi-env set SERVICE_PASSWORD "your-password"
Note: Credentials stored in canifi-env are only accessible locally on your machine and are never transmitted.
如果你愿意共享凭证，可以将其存储在本地：
bash
canifi-env set SERVICE_EMAIL "your-email"
canifi-env set SERVICE_PASSWORD "your-password"
注意：存储在canifi-env中的凭证仅可在你的本地设备访问，绝不会被传输至外部。

Capabilities

功能

  • 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
  • 查看预算类别余额与可用资金
  • 对照分配额度检查支出情况
  • 追踪资金年龄（Age of Money）指标
  • 查看近期交易记录
  • 识别超支类别
  • 监控储蓄目标进度

Usage Examples

使用示例

Example 1: Check Budget Overview

示例1：查看预算概览

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
用户：“我外出就餐的可用预算还有多少？”
Claude：我将查看你的YNAB预算。
- 通过Playwright MCP打开app.ynab.com
- 导航至当月预算页面
- 返回结果：外出就餐：可用余额$127.45
- 本月已分配：$300
- 当前已支出：$172.55
- 交易记录：8笔

Example 2: Check Overspent Categories

示例2：检查超支类别

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
用户：“我有没有哪个类别超支了？”
Claude：我将查看你的预算状态。
- 扫描所有类别组
- 超支类别（红色）：
  - 汽车维护：-$145.00（意外维修）
  - 服饰：-$67.50
- 资金不足（黄色）：
  - 订阅服务：还需补充$12.99
- 待分配资金：$0（已完成全额预算分配）
- 建议：从外出就餐或应急资金中划转补充

Example 3: Check Age of Money

示例3：查看资金年龄

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!
用户：“我的资金年龄是多少？”
Claude：我将查看你的YNAB指标。
- 导航至报告板块
- 资金年龄：45天
- 趋势：较上月的38天有所上升
- 解读：平均来看，资金在支出前会留存45天
- 目标：30天以上意味着你在使用上月的收入生活
- 你已经领先于目标了！

Authentication Flow

认证流程

  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
  1. 通过Playwright MCP导航至app.ynab.com
  2. 点击“登录”并输入邮箱
  3. 输入密码
  4. 若启用了双因素认证则完成验证
  5. 若有多个预算则选择正确的预算
  6. 维持会话以访问预算

Error Handling

错误处理

  • 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
  • 登录失败：重试，检查密码重置选项
  • 未找到预算：列出可用预算
  • 同步等待中：等待银行连接完成
  • 会话过期：自动重新认证
  • 请求受限：等待60秒后重试
  • 需要双因素认证：完成验证流程

Self-Improvement Instructions

自我优化说明

After each interaction:
  • Track budget category patterns
  • Note Age of Money trends
  • Log common overspending areas
  • Document UI changes
Suggest updates when:
  • YNAB updates interface
  • New features released
  • Methodology guidance changes
  • Report types added
每次交互后：
  • 追踪预算类别模式
  • 记录资金年龄趋势
  • 记录常见超支领域
  • 记录UI变更
在以下情况时建议更新：
  • YNAB更新界面
  • 发布新功能
  • 方法指导变更
  • 添加新的报告类型

Notes

注意事项

  • 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
  • YNAB采用零基预算法（每一分钱都被分配用途）
  • “为每一分钱分配用途”是其核心理念
  • 灵活调整：在不同类别间划转资金
  • 资金年龄反映财务缓冲能力
  • 订阅费用：每月$14.99或每年$99
  • 通过Plaid集成实现银行连接