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-big-goal-savings-plannergit 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-big-goal-savings-planner)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-big-goal-savings-planner"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-big-goal-savings-planner/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-big-goal-savings-planner"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-big-goal-savings-planner.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 | $0.00092 | $0.00774 |
| Opus 5 | $0.00046 | $0.00387 |
| Sonnet 5 | $0.00018 | $0.00155 |
| Haiku 4.5 | $0.00009 | $0.00077 |
Grade A, and why
ynab-big-goal-savings-planner 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 — 81 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB Big Goal Savings Planner
What this does
Plans and funds a large, specific, one-time savings goal with a dollar target and timeline — house down payment, car, wedding, sabbatical — using YNAB's target-date goal mechanics, and frames the monthly contribution as non-negotiable alongside true expenses rather than "whatever's left over."
When to use this skill
- "I'm saving for a house down payment"
- "How much do I need to save monthly for X?"
- "Help me set a savings target with a deadline"
- "I want to buy a car in a year"
Should NOT trigger on: an open-ended safety-net fund with no fixed date
(use ynab-emergency-fund-builder), or allocating this month's Ready to
Assign across all goals at once (use ynab-assign-money).
Workflow
Step 1: Set the target amount and date
Establish the dollar target and target date. For a house down payment specifically, flag YNAB's guidance to add 5-10% on top of the down payment figure to cover closing costs — a very common shortfall if skipped.
Step 2: Calculate the required monthly contribution
Target amount ÷ months remaining = required monthly contribution. Frame this number as non-negotiable, the same way a true-expense category is — not something to fund only with leftover money at the end of the month.
Step 3 (if MCP-connected): Set it up and track it
Call MCP tool: ynab_create_category — a dedicated category for this goal
Call MCP tool: ynab_goal_progress — using YNAB's "Have a balance of... by [date]" target-date goal type, distinct from an open-ended goal with no date
Step 4: Sanity-check against the rest of the budget
If the required monthly contribution looks unrealistic against current income/expenses, say so plainly and offer to either extend the timeline or reduce the target — don't let an unrealistic number stand unexamined.
Output format
Goal: [description] — $X target by [date]
(if down payment: includes +5-10% for closing costs: $Y adjusted target)
Months remaining: N
Required monthly contribution: $Z
Feasibility check: [fits current budget / would require trimming elsewhere]
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 · 81 lines · 92 tokens per session scan A 5583e05b1bf6
ynab-big-goal-savings-planner is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 92 tokens to every session and 774 once invoked, about $0.0005 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.
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