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YNAB integration

YNAB (You Need A Budget) is a budgeting tool helping users track expenses, plan finances, and gain control over spending to reduce debt

Connect YNAB to Xenition and work with it from chat, from an agent, or on a schedule — alongside every other app you have connected, in one workspace.

What you can do with YNAB

Ask in plain language and Xenition calls the right one:

• Create a new account in a budget — Tool to create a new account in a budget. Use when you need to add a manual (non-linked) account to a specific budget.
• Create Scheduled Transaction — Creates a scheduled (recurring) transaction in a YNAB budget. Use this to set up bills, recurring expenses, or income that repeats on a schedule. Requires an account_id (from YNAB_LIST_ACCOUNTS), a date, frequency, and amount in milliunits.
• Delete Scheduled Transaction — Permanently deletes a scheduled transaction from a YNAB budget. Use this when a recurring transaction is no longer needed. This action cannot be undone. Obtain the scheduled_transaction_id from list_scheduled_transactions or get_scheduled_transaction_by_id before calling this.
• Get Account by ID — Tool to retrieve a single account resource. Use when you need details of a specific account by its ID after determining the budget.
• Get Budget By ID — Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions. Use this tool when you need comprehensive budget data. The response includes: - Budget metadata (name, date/currency formats) - All accounts with balances - Category groups and categories with budgeted amounts and balances - All payees - All transactions and scheduled transactions (optional, may
• Get Budget Month — Tool to retrieve a specific budget month. Use when you need detailed summary and category budgets for a given month after confirming the budget ID. Monetary amounts are returned in milliunits (divide by 1000 for standard currency). Response includes high-level aggregates and a nested category array within the month payload for per-category budget analysis.
• Get Budget Settings — Tool to retrieve budget-level settings. Use when you need to fetch currency and date formatting preferences for a specific budget.
• Get Category by ID — Retrieve a single YNAB budget category by its ID. Use this to get detailed category information including budgeted amounts, activity, balance, and goal settings. Amounts are returned for the current budget month (UTC). Requires both budget_id and category_id - use 'last-used' or 'default' for budget_id if you don't have a specific budget ID.
• Get Month Category By ID — Tool to retrieve a single category for a specific budget month. Use after selecting the budget and month when you need month-specific category details.
• Get Payee by ID — Tool to retrieve a single payee by its ID. Use when you need full details of a payee after confirming the budget and payee selection.
• Get Scheduled Transaction by ID — Tool to retrieve a single scheduled transaction. Use when you need details of a specific scheduled transaction by its ID after confirming the budget.
• Get Transaction by ID — Tool to retrieve a single transaction by its ID. Use when you need detailed information for a specific transaction after confirming the budget.
• Get Authorized User — Tool to retrieve the authorized user's information. Use after authentication to get current user details.
• List Accounts — Retrieves all accounts for a specified YNAB budget. Use this tool to: - Get a complete list of accounts (checking, savings, credit cards, loans, etc.) in a budget - Retrieve account IDs for use with other YNAB account-related operations - Monitor account balances (current, cleared, and uncleared) - Perform efficient delta syncing by passing last_knowledge_of_server Returns account details includin
• List Budgets — Retrieves all budgets accessible to the authenticated YNAB user. Use this tool to: - Get a list of all budgets in the user's YNAB account - Retrieve budget IDs for use with other YNAB operations - Optionally include account details for each budget Returns budget summaries including name, last modification time, date range, and formatting preferences. Budget IDs from this response are required for
• List Categories — Tool to list all category groups and their categories for a budget. Use when you need the full set of budget categories or only those changed since last sync. Category names may include emojis or near-identical labels; always use category_id from the response in downstream requests.
• List Budget Months — Tool to list months for a budget with summary information. Use when you need an overview of all months or only changed months since a given knowledge value (delta requests).
• List payees in a budget — Tool to list payees in a budget. Use when you need all payees or only those changed since a known server knowledge value.
• List Payee Locations — Retrieves all GPS locations associated with payees in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees. Use this tool when you need to find all recorded locations for payees in a budget. Note: Not all payees will have locations recorded.
• List Payee Locations by Payee — Retrieves all GPS locations associated with a specific payee in a budget. Payee locations are recorded when transactions are saved using the YNAB mobile apps, storing GPS coordinates to help pre-populate nearby payees. Use this tool when you need to find where a payee's transactions typically occur. Note: Not all payees will have locations recorded.
• List Scheduled Transactions — List all scheduled (recurring) transactions for a YNAB budget. Returns future-dated transactions that repeat on a schedule (e.g., rent, subscriptions, paychecks). Supports delta sync to fetch only changes since a previous request using the server_knowledge value.
• List Transactions — Tool to list transactions in a budget. Use when you need all or delta-filtered transactions after confirming the budget. Omitting all filters returns the full transaction history, which may produce large payloads; prefer since_date, type, or last_knowledge_of_server to scope results.
• List Transactions by Account — Tool to list transactions for a specific account. Use when you need all or delta-filtered transactions for a given account after confirming the budget and account ID.
• List Transactions by Category — Tool to list transactions for a specific category (excludes pending). Use when you need completed transactions for a given category after obtaining budget_id and category_id. Response includes deleted transactions; filter client-side using the deleted boolean field.
• List Transactions by Payee — Tool to list transactions for a specific payee in a budget. Use when you need to fetch all non-pending transactions for a payee after confirming budget and payee IDs.
• Update Payee — Tool to update a payee. Use when you need to rename an existing payee.
• Update Scheduled Transaction — Update an existing scheduled transaction in YNAB. Allows modifying the date, frequency, amount, payee, category, memo, or account of a scheduled transaction. Use YNAB_LIST_SCHEDULED_TRANSACTIONS first to get the scheduled_transaction_id. Amounts should be in milliunits (negative for expenses, positive for income).

Give an agent access to YNAB

An agent you create can use YNAB on your behalf and keep working while you do something else. Every action an agent takes goes through an approval gate first, so nothing touches your YNAB account without you agreeing to it.

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Frequently asked questions

How do I connect YNAB to Xenition?

Open the connectors directory in Xenition, find YNAB, and sign in when the authorisation window opens. The connection is managed for you — there is no API key to create, paste or rotate.

What can Xenition do with YNAB?

Xenition can run 27 different YNAB actions, including Create a new account in a budget, Create Scheduled Transaction, Delete Scheduled Transaction. You ask in plain language and the right one is called for you.

Can an agent use YNAB on my behalf?

Yes. Agents can use YNAB while you do something else, and every action passes through an approval gate before it runs.

Is there a free plan?

Yes. Xenition starts free with 25,000 credits a month and no credit card, and all connectors are available on every plan.