Ask your budget anything.
Connect your YNAB data to Gemini AI. Ask real questions about your money and get answers backed by your actual numbers.
14-day free trial · No credit card required
How it works
Two ways to access your data
Whether you bring your own AI or want one built-in, BudgetMind plugs your YNAB data right in.
MCP Connector
Get a unique MCP endpoint URL. Drop it into Claude Desktop, Cursor, Windsurf, or any MCP-compatible AI. Your live YNAB data flows instantly — no copy-paste, no exports, no delays.
- Works with Claude, ChatGPT, Cursor & more
- Unlimited MCP requests
- Secure YNAB key storage
From $20/year
Built-in Chat
Don't have an AI subscription? Ask right here. Powered by Gemini 2.5 Pro with live access to your YNAB data — categories, transactions, account balances, all of it.
- Gemini 2.5 Pro, no AI sub needed
- 50 messages/day included
- Financial context notes
- Full chat history
From $40/year
Zero-trust security by default
Your YNAB key is stored in GCP Secret Manager — encrypted at rest, never written to our database. Only decrypted per-request, per-user. We can't read it. Ever.
Setup
Up and running in five minutes
No technical setup. No API keys to wrangle.
Connect YNAB
Paste your YNAB personal access token once. We encrypt it in GCP Secret Manager — it never touches our database.
Add life context
YNAB knows your transactions. It doesn't know your notice period, pay cycle, or the tax refund landing next month. Add that here.
Ask anything
Use the built-in Gemini chat or drop your MCP URL into Claude, Cursor, or any compatible AI. Real answers, real numbers.
Pricing
Simple, honest pricing
Annual plans save up to 52% vs monthly. No hidden fees.
Connector
$1.67/month billed annually · or $5/month
Get a personal MCP URL to connect YNAB to Claude, ChatGPT, Gemini or any MCP-compatible AI you already use.
- Personal MCP endpoint URL
- Works with Claude, ChatGPT, Cursor & more
- Secure YNAB key storage
- Financial context notes
Chat
$3.33/month billed annually · or $7/month
Chat with your YNAB budget directly — no AI subscription needed. Powered by Gemini.
- Built-in AI chat (Gemini 2.5 Pro)
- MCP endpoint included
- Secure YNAB key storage
- 50 messages/day included
All plans include a 14-day free trial with full access. No credit card required.
FAQ
Frequently asked questions
What is an MCP connector?
MCP (Model Context Protocol) is an open standard that lets AI assistants call external tools. Your BudgetMind MCP URL gives Claude or any compatible AI live read access to your YNAB data on demand — no manual exports.
Is my YNAB API key safe?
Yes. Your key is encrypted and stored in Google Cloud Secret Manager. It never touches our database, and it's only decrypted when your AI assistant makes a live request.
Which AI tools work with the MCP connector?
Claude Desktop, Cursor, Windsurf, and any client that supports Streamable HTTP MCP transport. New MCP-compatible tools ship weekly.
What AI model powers the built-in chat?
Gemini 2.5 Pro — Google's advanced reasoning model. It has live access to your YNAB data via the same tools as the MCP connector. No separate Google or AI subscription needed.
What happens after my trial ends?
Your data stays safe. The MCP endpoint and chat stop responding until you pick a plan. You can upgrade at any time from the Billing page.
Do you handle VAT and GST?
Yes. Payments are processed by Lemon Squeezy, who act as merchant of record and handle all international taxes including EU VAT, Australian GST, and others.
Ready to know your numbers?
Join people who ask their budget and actually get a straight answer.
Start your free trial14 days free · No card required · Cancel anytime