Getting it into your agent
One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.
npx skills add auzroz/ynab-mcp --skill ynab-age-of-moneygit clone --depth 1 https://github.com/auzroz/ynab-mcpWrote this? Show the measurements
A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.
[](https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-age-of-money)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-age-of-money"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-age-of-money/github.svg" alt="Measured on agentmods" height="20"></a>Or the 80×15 button, for a site that already has a row of RSS and ATOM ones. Only the verdict fits; the numbers stay here.
<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-age-of-money"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-age-of-money.svg" alt="Reviewed on agentmods" width="80" height="20"></a>What it costs to keep this loaded
Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.
| Model | Per session | Once invoked |
|---|---|---|
| Fable 5.1 | $0.00083 | $0.00659 |
| Opus 5 | $0.00042 | $0.00329 |
| Sonnet 5 | $0.00017 | $0.00132 |
| Haiku 4.5 | $0.00008 | $0.00066 |
Grade A, and why
ynab-age-of-money scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 12d ago.
A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.
Nothing flagged
None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.
How it starts
The opening of the file, as written. The whole thing — 82 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB Age of Money
What this does
Implements YNAB's fourth rule — Age Your Money — by checking the current Age of Money metric, the near-term 30-day cash forecast, and a specific check for credit card float (paying the current statement with today's income while the Credit Card Payment category isn't actually funded by this month's spending — "using today's paycheck to pay for last month").
When to use this skill
- "Check my age of money"
- "Am I living paycheck to paycheck?"
- "How's my cash flow?"
- "Will I have enough before payday?"
- "Is my credit card float catching up to me?"
Should NOT trigger on: the overall month scorecard (use
ynab-monthly-review, which references Age of Money in one line but doesn't
forecast), or fixing overspending that's causing a low Age of Money (use
ynab-overspending-triage).
Workflow
Step 1: Get Age of Money
Call MCP tool: ynab_age_of_money
Parameters: none
Step 2: Check credit card float
Call MCP tool: ynab_credit_card_status
Parameters: none
Step 3: Forecast near-term cash flow
Call MCP tool: ynab_cash_flow_forecast
Parameters: days: 30
Step 4: Check savings-rate trend for context
Call MCP tool: ynab_income_expense
Parameters: months: 6
Output format
Age of Money: N days [status tier + one relevant tip]
Credit card float check: card balance $X vs. payment category $Y →
shortfall $Z (or "none — you're covered")
30-day cash forecast: lowest projected balance $X on [date]
Savings rate trend: N%
Troubleshooting
MCP connection failed — confirm the ynab-mcp server is connected.
Unauthorized / token expired — the YNAB connection needs re-authorization.
Age of Money shows as very low or zero on a new budget — this is expected for a budget with little history; note it rather than treating it as a problem needing an immediate fix.
When the skill is NOT the right tool
- The full end-of-month scorecard — use
ynab-monthly-review. - If the numbers point to a structural overspending problem rather than a
timing issue — use
ynab-overspending-triage.
What this file has done since we first saw it
Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.
- 12d ago First seen · 82 lines · 83 tokens per session scan A 16c52ea8adb4
ynab-age-of-money is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 83 tokens to every session and 659 once invoked, about $0.0004 per session on Opus 5. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-31.
Other skills, from other repositories
stripe-link-wallet
Agent wallet on the Stripe Link CLI (link-cli). Connect the wallet, then buy, purchase and pay for things on the user's behalf via approved spend requests, one-time-use cards, and 402 / Machine Payment Protocol (MPP) payments.
stock-analysis-lead
Orchestrate a US-stock investment analysis — classify sector archetype, fetch SEC filings, dispatch a tiered fan-out of six vertical equity-research agents (business model, earnings quality, balance sheet, management, industry, peer comparison) over a validated JSON findings contract, then synthesize a buy/hold/sell…
stock-business-review
Review a US-listed company's business model and revenue structure for an equity-research workup. Covers product/service mix, customer concentration, geographic exposure, industry position, revenue-growth decomposition (organic vs acquired vs price vs volume), and information-tier discipline (which numbers are facts vs…
stock-earnings-quality-review
Review a US-listed company's earnings quality, cash-flow integrity, and operating leverage for an equity-research workup. Covers operating cash flow vs net income drift, free cash flow trajectory, capex character (maintenance vs expansion), equity issuance / shareholder-return yield, revenue-quality signals…
stock-balance-sheet-review
Review a US-listed company's balance sheet health for an equity-research workup. Covers net-debt/EBITDA leverage, current ratio, cash runway, goodwill concentration and impairment history, DSO trend, inventory days, off-balance-sheet items (operating leases, contingent liabilities), and pension underfunding. Trigger…
stock-industry-review
Review a US-listed company's industry position and competitive moat for an equity-research workup. Covers Porter Five Forces scan, market-share trend (absolute and relative to industry growth), TAM size and trajectory, unit economics where disclosed (LTV/CAC, unit gross margin), moat classification (network / brand /…