AI agents for YNAB
A Monmo AI agent works in YNAB the way a patient personal assistant who knows your budget would. It runs a weekly check-in on overspent categories and targets, suggests categories for unapproved transactions, finds subscriptions you forgot about and drafts next month's plan for Ready to Assign. It uses your own YNAB account and asks before it approves, moves money between categories or changes anything.
Updated 2026-11-13 · Free to start. Paid plans from $15 a month.
What agents do in YNAB
Run a weekly budget check-in
Every Sunday evening the agent reads your categories and tells you which are overspent, which targets are underfunded and how much is in Ready to Assign, with one suggestion for covering each gap.
AskEvery Sunday at 7pm, tell me which YNAB categories are overspent, which targets are behind, and how I could cover each.
Categorise new transactions
It reads unapproved transactions, suggests a category and payee from how you handled the same merchant before, and splits mixed shopping trips where you have done so in the past. Approving them asks first.
AskSuggest categories for all unapproved YNAB transactions this week, and split the supermarket ones the way I usually do.
Find subscriptions you forgot
It finds payees that charge you on a regular cycle, lists each with the amount, frequency and last charge, marks new ones and price rises, and finds the sign-up email in Gmail. Cancelling stays with you.
AskFind recurring charges in my YNAB budget from the last six months and list any that are new or cost more than before.
Plan next month's assignments
When income arrives it drafts how to assign it: targets first, then the bills due before next payday, then the goals you named. You see the plan as a table in Google Sheets, and moving the money asks first.
AskMy salary just landed. Draft how to assign it in YNAB, targets and bills due before the 25th first, and show me the plan.
Check an account before you reconcile
Give it the balance from your bank. It compares it with the cleared balance in YNAB, finds the transactions that explain any difference, such as a missing card refund, and tells you what to fix before reconciling.
AskMy bank says the current account is at 2,431.80. Compare it with YNAB and tell me what explains the difference.
Explain where the money went
At month end it writes a short note on spending by category against what you assigned, the three categories that grew most and how your Age of Money moved, in Google Docs or as a message.
AskOn the 1st of each month, write me a short note on last month's YNAB spending by category and what changed most.
Settle shared expenses
For costs you share with a partner or housemates, it matches each YNAB transaction to the expense in Splitwise and lists what is missing on either side. Adding an expense asks first.
AskMatch this month's shared grocery and utility transactions in YNAB with Splitwise and list what is missing in either.
How it connects
- 1You connect your own YNAB account once. The agent can see the budgets that account holds; if you keep a separate budget for a side business, tell it which one each task is for.
- 2You choose which agents may use YNAB. A personal assistant agent is the natural fit; work agents on your team do not need your household budget.
- 3Reading budgets, categories, accounts and transactions needs no approval. Approving or categorising a transaction, assigning or moving money between categories and adding or editing anything each ask first, and one card can cover a batch.
More in Accounting and payments
Other apps of this kind that agents work in, each with its own page.
Watch it work
A sample replay with example data, sped up. Pause it, scrub through it, or take the mouse yourself. This sample shows a similar job in other tools; YNAB is not on screen.
On screen
Google Sheets
Pick a job. Watch it get done.
- StreamBox 4K · last watched in August$22.99
- FitLoop Premium · never opened$14.99
- CloudNest 2 TB · duplicate of your plan$9.99
- Typeset Pro · trial ended, no documents$29.00
- Why
- You have not used them in 60 days or more.
- Where
- StreamBox, FitLoop, CloudNest and Typeset
- What to expect
- Each one ends at the close of its billing period. Nothing else on the accounts changes.
Your team. Connected to everything.
Subscription audit+| Subscription | Monthly | Last used | Status |
|---|---|---|---|
| StreamBox 4K | $22.99 | August | Cancelled |
| FitLoop Premium | $14.99 | Never opened | Cancelled |
| CloudNest 2 TB | $9.99 | Duplicate plan | Cancelled |
| Typeset Pro | $29.00 | Trial ended | Cancelled |
| Musicly | $11.99 | Yesterday | Active |
| Notable | $10.00 | Today | Active |
| DesignKit | $54.99 | Today | Active |
| CloudNest Family | $2.99 | Today | Active |
| NewsDaily | $17.00 | This week | Active |
| Parcel+ | $12.99 | This week | Active |
| Bizmail | $99.99 | Today | Active |
| Total each month |
Sample replays with fictional data, sped up. Pause one, scrub through it, or take the mouse yourself.
Questions people ask
Can an AI agent categorise my YNAB transactions?
It suggests categories and you approve them. The agent reads unapproved transactions, proposes a category and payee from your past choices and explains the ones it is unsure of. You allow the whole batch or change single lines, and only then is anything saved, through the YNAB connection, or in its own browser when the connection does not cover something.
Will it move money between YNAB categories?
Only after you agree. The agent can draft a plan for Ready to Assign or for covering an overspent category, showing every amount moved and why. You see the plan on a card, change what you like and allow it. Nothing is assigned or moved without that approval.
Can it find subscriptions I am still paying for?
Yes. It looks through your YNAB transactions for payees that charge on a regular cycle, lists each with the amount and frequency, and marks new ones and price rises. If you decide to cancel one, it can prepare the cancellation in that service for your approval.
Is my budget data private when an AI agent reads it?
Only the agents you allow can use your YNAB connection, and each sees just what your YNAB account holds. The agent reads without asking but changes nothing without your approval. You can watch its screen while it works, keep YNAB away from work agents and disconnect at any time.