Pricing
Simple, transparent pricing
Start with a 14-day free trial — no credit card required. Cancel anytime.
MonthlyAnnualSave up to 52%
Connector
$20/year
$1.67/month, billed annually
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 API key storage
- Financial context notes
- Unlimited MCP requests
Most popular
Chat
$40/year
$3.33/month, billed annually
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 API key storage
- Financial context notes
- 50 messages per day
- Full chat history
All plans include a 14-day free trial
Full access to every feature during your trial — no credit card required. After 14 days, choose the plan that fits.
Frequently asked questions
- What is MCP?
- Model Context Protocol (MCP) is an open standard for connecting AI assistants to external data. Both plans give you an MCP endpoint you can add to Claude, ChatGPT, Cursor, and other compatible tools.
- Is my YNAB API key secure?
- Yes. Your YNAB key is stored in GCP Secret Manager — encrypted at rest, never written to our database. It’s only decrypted when your AI assistant makes a request.
- Can I switch plans?
- Absolutely. You can upgrade, downgrade, or cancel at any time from the Billing page. Changes take effect immediately.
- What AI model powers the built-in chat?
- Built-in chat uses 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.
- What counts as a message?
- Each question you send to the AI counts as one message. Responses, tool calls, and follow-ups within one response don’t count against your daily limit.
- 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.