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-monthly-reviewgit 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-monthly-review)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-monthly-review"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-monthly-review/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-monthly-review"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-monthly-review.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 | $0.00089 | $0.00921 |
| Opus 5 | $0.00044 | $0.00461 |
| Sonnet 5 | $0.00018 | $0.00184 |
| Haiku 4.5 | $0.00009 | $0.00092 |
Grade A, and why
ynab-monthly-review 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 — 113 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB Monthly Review
What this does
Orchestrates a full end-of-month budget review in one sitting: category-level plan vs. actual, what changed since last month, goal progress, the income and savings trend, net worth movement, and a proposed budget for next month. This matches YNAB's own recommended end-of-month routine — reflect on what deviated, reconcile, and set next month's targets — rather than a quick daily glance.
When to use this skill
- "Let's do my monthly budget review"
- "End of month check-in"
- "How did [month] go?"
- "Review my budget"
- "Close out this month"
- "Help me plan next month's budget"
Should NOT trigger on: a quick "how am I doing" gut-check (use
ynab-pulse-check), or a request to deep-dive reconciliation or cash flow
specifically (use ynab-reconcile-cleanup / ynab-age-of-money — this skill
flags those but doesn't do the full workup).
Workflow
Step 1: Category-level plan vs. actual
Call MCP tool: ynab_budget_vs_actuals
Parameters: month (optional, defaults to current), include_previous: true
Step 2: Month-over-month comparison
Call MCP tool: ynab_monthly_comparison
Parameters: none
Step 3: Income and savings trend
Call MCP tool: ynab_income_expense
Parameters: months: 6
Step 4: Goal progress
Call MCP tool: ynab_goal_progress
Parameters: filter: "all"
Step 5: Net worth
Call MCP tool: ynab_net_worth
Parameters: none
Step 6: Age of Money (one-line check, not a deep dive)
Call MCP tool: ynab_age_of_money
Parameters: none
Step 7: Reconciliation status (flag only, not a deep dive)
Call MCP tool: ynab_reconciliation_helper
Parameters: none
Step 8: Next month's suggested budget
Call MCP tool: ynab_budget_suggestions
Parameters: months: 3
Output format
Monthly Review — [Month Year]
1. Scorecard: budgeted vs. actual by category group, variance %, status
2. What changed vs. last month (top 3 movers)
3. Goals: on-track / behind / underfunded (counts + names)
4. Income & savings rate trend (6mo)
5. Net worth: this month vs. last
6. Housekeeping flags: Age of Money = N days; N uncleared transactions
(if > 0, suggest running ynab-reconcile-cleanup)
7. Next month's suggested budget (per category) — offer for confirmation
before creating or changing anything
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 · 113 lines · 89 tokens per session scan A 0dac299c0c4f
ynab-monthly-review is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 89 tokens to every session and 921 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.
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