How to integrate Ynab MCP with Google ADK

This guide walks you through connecting Ynab to Google ADK using the Composio tool router. By the end, you'll have a working Ynab agent that can show your spending by category this week, add a new expense to groceries, list upcoming scheduled transactions through natural language commands. This guide will help you understand how to give your Google ADK agent real control over a Ynab account through Composio's Ynab MCP server. Before we dive in, let's take a quick look at the key ideas and tools involved.

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Ynab

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YNAB (You Need A Budget) is a personal finance and budgeting platform that helps users track spending, plan budgets, and reach savings goals. It's designed to give you more control over your money and reduce financial stress.

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Introduction

This guide will help you understand how to give your Google ADK agent real control over a Ynab account through Composio's Ynab MCP server.

Before we dive in, let's take a quick look at the key ideas and tools involved.

Also integrate Ynab with

OpenAI Agents SDK Claude Agent SDK Claude Code Claude Cowork Codex OpenClaw Hermes CLI LangChain Vercel AI SDK Mastra AI LlamaIndex CrewAI

TL;DR

Here's what you'll learn:

Get a Ynab account set up and connected to Composio
Install the Google ADK and Composio packages
Create a Composio Tool Router session for Ynab
Build an agent that connects to Ynab through MCP
Interact with Ynab using natural language

What is Google ADK?

Google ADK (Agents Development Kit) is Google's framework for building AI agents powered by Gemini models. It provides tools for creating agents that can use external services through the Model Context Protocol.

Key features include:

Gemini Integration: Native support for Google's Gemini models
MCP Toolset: Built-in support for Model Context Protocol tools
Streamable HTTP: Connect to external services through streamable HTTP
CLI and Web UI: Run agents via command line or web interface

What is the Ynab MCP server, and what's possible with it?

The Ynab MCP server is an implementation of the Model Context Protocol that connects your AI agent and assistants like Claude, Cursor, etc directly to your Ynab account. It provides structured and secure access to your budgeting data, so your agent can perform actions like tracking expenses, creating and adjusting budgets, fetching transaction history, and analyzing spending patterns on your behalf.

Automated transaction tracking: Let your agent fetch, categorize, or summarize recent transactions to keep your spending up to date.
Budget creation and adjustment: Instruct your agent to set up new budgets, update existing categories, or reallocate funds between envelopes as your needs change.
Spending analysis and reporting: Have your agent analyze your expenses, highlight trends, or generate summaries to help you understand where your money goes.
Goal monitoring and progress updates: Ask your agent to track progress toward savings or debt payoff goals, and notify you of milestones or needed adjustments.
Account and balance synchronization: Enable your agent to pull up-to-date balances from multiple accounts, ensuring your budget always reflects the latest financial picture.

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

Composio's Composio SDK helps agents find the right tools for a task at runtime. You can plug in multiple toolkits (like Gmail, HubSpot, and GitHub), and the agent will identify the relevant app and action to complete multi-step workflows. This can reduce token usage and improve the reliability of tool calls. Read more here: Getting started with Composio SDK

The tool router generates a secure MCP URL that your agents can access to perform actions.

How the Composio SDK works

The Composio SDK follows a three-phase workflow:

Discovery: Searches for tools matching your task and returns relevant toolkits with their details.
Authentication: Checks for active connections. If missing, creates an auth config and returns a connection URL via Auth Link.
Execution: Executes the action using the authenticated connection.

Step-by-step Guide

Step by step09 STEPS

Prerequisites

Before starting, make sure you have:

A Google API key for Gemini models
A Composio account and API key
Python 3.9 or later installed
Basic familiarity with Python

Getting API Keys for Google and Composio

Google API Key

Go to Google AI Studio and create an API key.
Copy the key and keep it safe. You will put this in GOOGLE_API_KEY.

Composio API Key and User ID

Log in to the Composio dashboard.
Go to Settings → API Keys and copy your Composio API key. Use this for COMPOSIO_API_KEY.
Decide on a stable user identifier to scope sessions, often your email or a user ID. Use this for COMPOSIO_USER_ID.

Install dependencies

bash

pip install google-adk composio python-dotenv

Inside your virtual environment, install the required packages.

What's happening:

google-adk is Google's Agents Development Kit
composio connects your agent to Ynab via MCP
python-dotenv loads environment variables

Set up ADK project

bash

adk create my_agent

Set up a new Google ADK project.

What's happening:

This creates an agent folder with a root agent file and .env file

Set environment variables

bash

GOOGLE_API_KEY=your-google-api-key
COMPOSIO_API_KEY=your-composio-api-key
COMPOSIO_USER_ID=your-user-id-or-email

Save all your credentials in the .env file.

What's happening:

GOOGLE_API_KEY authenticates with Google's Gemini models
COMPOSIO_API_KEY authenticates with Composio
COMPOSIO_USER_ID identifies the user for session management

Import modules and validate environment

python

import os
import warnings

from composio import Composio
from dotenv import load_dotenv
from google.adk.agents.llm_agent import Agent
from google.adk.tools.mcp_tool.mcp_session_manager import StreamableHTTPConnectionParams
from google.adk.tools.mcp_tool.mcp_toolset import McpToolset

load_dotenv()

warnings.filterwarnings("ignore", message=".*BaseAuthenticatedTool.*")

GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
COMPOSIO_API_KEY = os.getenv("COMPOSIO_API_KEY")
COMPOSIO_USER_ID = os.getenv("COMPOSIO_USER_ID")

if not GOOGLE_API_KEY:
    raise ValueError("GOOGLE_API_KEY is not set in the environment.")
if not COMPOSIO_API_KEY:
    raise ValueError("COMPOSIO_API_KEY is not set in the environment.")
if not COMPOSIO_USER_ID:
    raise ValueError("COMPOSIO_USER_ID is not set in the environment.")

What's happening:

os reads environment variables
Composio is the main Composio SDK client
GoogleProvider declares that you are using Google ADK as the agent runtime
Agent is the Google ADK LLM agent class
McpToolset lets the ADK agent call MCP tools over HTTP

Create Composio client and Tool Router session

python

composio_client = Composio(api_key=COMPOSIO_API_KEY)

composio_session = composio_client.create(
    user_id=COMPOSIO_USER_ID,
    toolkits=["ynab"],
)

COMPOSIO_MCP_URL = composio_session.mcp.url,
print(f"Composio MCP URL: {COMPOSIO_MCP_URL}")

What's happening:

Authenticates to Composio with your API key
Declares Google ADK as the provider
Spins up a short-lived MCP endpoint for your user and selected toolkit
Stores the MCP HTTP URL for the ADK MCP integration

Set up the McpToolset and create the Agent

python

composio_toolset = McpToolset(
    connection_params=StreamableHTTPConnectionParams(
        url=COMPOSIO_MCP_URL,
        headers={"x-api-key": COMPOSIO_API_KEY}
    )
)

root_agent = Agent(
    model="gemini-2.5-flash",
    name="composio_agent",
    description="An agent that uses Composio tools to perform actions.",
    instruction=(
        "You are a helpful assistant connected to Composio. "
        "You have the following tools available: "
        "COMPOSIO_SEARCH_TOOLS, COMPOSIO_MULTI_EXECUTE_TOOL, "
        "COMPOSIO_MANAGE_CONNECTIONS, COMPOSIO_REMOTE_BASH_TOOL, COMPOSIO_REMOTE_WORKBENCH. "
        "Use these tools to help users with Ynab operations."
    ),
    tools=[composio_toolset],
)

print("\nAgent setup complete. You can now run this agent directly ;)")

What's happening:

Connects the ADK agent to the Composio MCP endpoint through McpToolset
Uses Gemini as the model powering the agent
Lists exact tool names in instruction to reduce misnamed tool calls

Run the agent

bash

# Run in CLI mode
adk run my_agent

# Or run in web UI mode
adk web

Execute the agent from the project root. The web command opens a web portal where you can chat with the agent.

What's happening:

adk run runs the agent in CLI mode
adk web . opens a web UI for interactive testing

Complete Code

Here's the complete code to get you started with Ynab and Google ADK:

python

import os
import warnings

from composio import Composio
from composio_google import GoogleProvider
from dotenv import load_dotenv
from google.adk.agents.llm_agent import Agent
from google.adk.tools.mcp_tool.mcp_session_manager import StreamableHTTPConnectionParams
from google.adk.tools.mcp_tool.mcp_toolset import McpToolset

load_dotenv()
warnings.filterwarnings("ignore", message=".*BaseAuthenticatedTool.*")

GOOGLE_API_KEY = os.getenv("GOOGLE_API_KEY")
COMPOSIO_API_KEY = os.getenv("COMPOSIO_API_KEY")
COMPOSIO_USER_ID = os.getenv("COMPOSIO_USER_ID")

if not GOOGLE_API_KEY:
    raise ValueError("GOOGLE_API_KEY is not set in the environment.")
if not COMPOSIO_API_KEY:
    raise ValueError("COMPOSIO_API_KEY is not set in the environment.")
if not COMPOSIO_USER_ID:
    raise ValueError("COMPOSIO_USER_ID is not set in the environment.")

composio_client = Composio(api_key=COMPOSIO_API_KEY, provider=GoogleProvider())

composio_session = composio_client.create(
    user_id=COMPOSIO_USER_ID,
    toolkits=["ynab"],
)

COMPOSIO_MCP_URL = composio_session.mcp.url


composio_toolset = McpToolset(
    connection_params=StreamableHTTPConnectionParams(
        url=COMPOSIO_MCP_URL,
        headers={"x-api-key": COMPOSIO_API_KEY}
    )
)

root_agent = Agent(
    model="gemini-2.5-flash",
    name="composio_agent",
    description="An agent that uses Composio tools to perform actions.",
    instruction=(
        "You are a helpful assistant connected to Composio. "
        "You have the following tools available: "
        "COMPOSIO_SEARCH_TOOLS, COMPOSIO_MULTI_EXECUTE_TOOL, "
        "COMPOSIO_MANAGE_CONNECTIONS, COMPOSIO_REMOTE_BASH_TOOL, COMPOSIO_REMOTE_WORKBENCH. "
        "Use these tools to help users with Ynab operations."
    ),  
    tools=[composio_toolset],
)

print("\nAgent setup complete. You can now run this agent directly ;)")

Conclusion

You've successfully integrated Ynab with the Google ADK through Composio's MCP Tool Router. Your agent can now interact with Ynab using natural language commands.

Key takeaways:

The Tool Router approach dynamically routes requests to the appropriate Ynab tools
Environment variables keep your credentials secure and separate from code
Clear agent instructions reduce tool calling errors
The ADK web UI provides an interactive interface for testing and development

You can extend this setup by adding more toolkits to the toolkits array in your session configuration.

TOOLS

Supported Tools

Every Ynab action and event your agent gets out of the box.

Create a new account in a budget

Tool to create a new account in a budget.

Create Scheduled Transaction

Creates a scheduled (recurring) transaction in a YNAB budget.

Delete Scheduled Transaction

Permanently deletes a scheduled transaction from a YNAB budget.

Get Account by ID

Tool to retrieve a single account resource.

Get Budget By ID

Retrieve a complete budget export by ID, including all accounts, categories, payees, and transactions.

Get Budget Month

Tool to retrieve a specific budget month.

Get Budget Settings

Tool to retrieve budget-level settings.

Get Category by ID

Retrieve a single YNAB budget category by its ID.

Get Month Category By ID

Tool to retrieve a single category for a specific budget month.

Get Payee by ID

Tool to retrieve a single payee by its ID.

Get Scheduled Transaction by ID

Tool to retrieve a single scheduled transaction.

Get Transaction by ID

Tool to retrieve a single transaction by its ID.

Get Authorized User

Tool to retrieve the authorized user's information.

List Accounts

Retrieves all accounts for a specified YNAB budget.

List Budgets

Retrieves all budgets accessible to the authenticated YNAB user.

List Categories

Tool to list all category groups and their categories for a budget.

List Budget Months

Tool to list months for a budget with summary information.

List Payee Locations

Retrieves all GPS locations associated with payees in a budget.

List Payee Locations by Payee

Retrieves all GPS locations associated with a specific payee in a budget.

List payees in a budget

Tool to list payees in a budget.

List Scheduled Transactions

List all scheduled (recurring) transactions for a YNAB budget.

List Transactions

Tool to list transactions in a budget.

List Transactions by Account

Tool to list transactions for a specific account.

List Transactions by Category

Tool to list transactions for a specific category (excludes pending).

List Transactions by Payee

Tool to list transactions for a specific payee in a budget.

Update Payee

Tool to update a payee.

Update Scheduled Transaction

Update an existing scheduled transaction in YNAB.

FRAMEWORKS

How to build Ynab MCP Agent with another framework

OpenAI Agents SDK

Use Ynab MCP with OpenAI Agents SDK

Claude Agent SDK

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Claude Code

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Claude Cowork

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Codex

Use Ynab MCP with Codex

OpenClaw

Use Ynab MCP with OpenClaw

Hermes

Use Ynab MCP with Hermes

CLI

Use Ynab MCP with CLI

LangChain

Use Ynab MCP with LangChain

Vercel AI SDK

Use Ynab MCP with Vercel AI SDK

Mastra AI

Use Ynab MCP with Mastra AI

LlamaIndex

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CrewAI

Use Ynab MCP with CrewAI

MORE TOOLKITS

Explore Other Toolkits

Toolkit marketplace

Stripe

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Alpha Vantage is a financial data platform offering real-time and historical stock market APIs. Get instant, reliable access to equities, forex, and technical analysis data for smarter trading decisions.

Altoviz

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Altoviz is a cloud-based billing and invoicing platform for businesses. It streamlines online payments, expense tracking, and customizable invoice management.

Benzinga

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Benzinga provides real-time financial news and data APIs for market coverage. It helps you track breaking news and actionable market insights instantly.

FAQ

Frequently asked questions

With a standalone Ynab MCP server, the agents and LLMs can only access a fixed set of Ynab tools tied to that server. However, with the Composio Tool Router, agents can dynamically load tools from Ynab and many other apps based on the task at hand, all through a single MCP endpoint.

Yes, you can. Google ADK fully supports MCP integration. You get structured tool calling, message history handling, and model orchestration while Tool Router takes care of discovering and serving the right Ynab tools.

Yes, absolutely. You can configure which Ynab scopes and actions are allowed when connecting your account to Composio. You can also bring your own OAuth credentials or API configuration so you keep full control over what the agent can do.

All sensitive data such as tokens, keys, and configuration is fully encrypted at rest and in transit. Composio is SOC 2 Type 2 compliant and follows strict security practices so your Ynab data and credentials are handled as safely as possible.

Start with Ynab.It takes 30 seconds.

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Customer stories

Teams ship real agents on Composio

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Karan skipped his own birthday party to fix our critical issue. It was 10pm and he diverted his Waymo to help us instead. This really sets the bar — it shows the commitment you need when users rely on your software.

Harsha Gaddipati

Co-founder, Slashy

A lot of students tell us that the moment their connected tools start talking to each other inside Opennote feels almost magical. The agent just knows them, and it's immensely helped keep new users on the platform.

Abhi Arya

Co-founder, Opennote

We chose Composio over Pipedream because it delivered depth where it mattered — niche tools and tricky edge cases other platforms simply ignored. That gave us confidence to scale without compromising.

Nirman Dave

CEO, Zams

As a solo builder, shipping fast is life or death. The only way I can outcompete incumbents is by outmanoeuvring them. Getting bogged down managing agent auth would have been a death sentence.

Ryan Yu

Founder, Extra Thursday

Before Composio, adding tool integrations was slow and resource-intensive. Each one could take weeks of engineering time, and maintaining them meant constantly keeping up with API changes.

Tomisin Jenrola

Founder & CEO, SwarmZero

With hands-on help from their founder, we integrated Gmail and Google Drive in just 30 minutes. This level of personal support and commitment is exactly what startups should strive for.

Jerome Leclanche

Co-Founder, Ingram Technologies

How to integrate Ynab MCP with Google ADK

Connect Ynab without auth hassles

Introduction

Also integrate Ynab with

TL;DR

What is Google ADK?

What is the Ynab MCP server, and what's possible with it?

What is the Composio tool router, and how does it fit here?

What is Composio SDK?

How the Composio SDK works

Step-by-step Guide

Prerequisites

Getting API Keys for Google and Composio

Install dependencies

Set up ADK project

Set environment variables

Import modules and validate environment

Create Composio client and Tool Router session

Set up the McpToolset and create the Agent

Run the agent

Complete Code

Conclusion

Supported Tools

How to build Ynab MCP Agent with another framework

OpenAI Agents SDK

Claude Agent SDK

Claude Code

Claude Cowork

Codex

OpenClaw

Hermes

CLI

LangChain

Vercel AI SDK

Mastra AI

LlamaIndex

CrewAI

Explore Other Toolkits

Stripe

Alpha vantage

Altoviz

Benzinga

Frequently asked questions

What are the differences in Tool Router MCP and Ynab MCP?+

Can I use Tool Router MCP with Google ADK?+

Can I manage the permissions and scopes for Ynab while using Tool Router?+

How safe is my data with Composio Tool Router?+

Start with Ynab.It takes 30 seconds.

Teams ship real agents on Composio