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-true-expensesgit 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-true-expenses)<a href="https://agentmods.dev/skills/auzroz/ynab-mcp/ynab-true-expenses"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-true-expenses/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-true-expenses"><img src="https://agentmods.dev/badge/skills/auzroz/ynab-mcp/ynab-true-expenses.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 | $0.00099 | $0.00772 |
| Opus 5 | $0.00049 | $0.00386 |
| Sonnet 5 | $0.00020 | $0.00154 |
| Haiku 4.5 | $0.00010 | $0.00077 |
Grade A, and why
ynab-true-expenses 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 11d 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 — 88 lines — stays where its author put it; the contents beside it link to each section on GitHub.
YNAB True Expenses
What this does
Implements YNAB's second rule — Embrace Your True Expenses — by finding irregular-but-predictable costs already showing up in transaction history and computing the right monthly contribution so they never blindside the budget again (annual total ÷ 12, or ÷ months-until-due for a known bill).
When to use this skill
- "Help me plan for an annual expense"
- "I have a big bill coming up"
- "Make sure my recurring bills are captured"
- "Set up a sinking fund"
- "Did I forget any subscriptions?"
- "Embrace my true expenses"
Should NOT trigger on: general new-category creation unrelated to
irregular costs (use ynab-assign-money), or fixing an already-overspent
category (use ynab-overspending-triage).
Workflow
Step 1: Detect recurring charges
Call MCP tool: ynab_detect_recurring
Parameters: months: 6
Step 2: Cross-check against existing categories
Call MCP tool: ynab_list_categories and ynab_unused_categories
Parameters: months: 6
Step 3: Analyze irregular-category history
Call MCP tool: ynab_spending_analysis or ynab_spending_trends
Parameters: category_id of the irregular category, if known
Step 4: Propose funding and scheduling
Call MCP tool: ynab_create_category / ynab_update_category (if a category doesn't exist)
Call MCP tool: ynab_preview_scheduled_transaction then ynab_create_scheduled_transaction (for unscheduled recurring charges)
Step 5: Sanity-check the new commitment
Call MCP tool: ynab_cash_flow_forecast
Parameters: days: 30
Output format
Detected recurring charges not yet scheduled: [payee, amount, cadence]
True-expense categories to fund:
- [Category]: est. $X/yr → $Y/mo (due in N months)
Proposed: create scheduled transaction for [payee]? create/fund category for [X]?
Cash flow impact if applied: [30-day forecast delta]
Troubleshooting
MCP connection failed — confirm the ynab-mcp server is connected before retrying.
Unauthorized / token expired — the YNAB connection needs re-authorization.
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.
- 11d ago First seen · 88 lines · 99 tokens per session scan A 800066dd9c53
ynab-true-expenses is a skill published in the GitHub repository auzroz/ynab-mcp (3 stars, last pushed 2mo ago), licensed MIT. It adds 99 tokens to every session and 772 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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