@oliverames/ynab-mcp-server 1.2.3 → 1.4.0

package/index.js

@@ -1,1169 +1,1241 @@
-#!/usr/bin/env node
-
-import { execFileSync } from "node:child_process";
-import { McpServer } from "@modelcontextprotocol/sdk/server/mcp.js";
-import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
-import { z } from "zod";
-import * as ynab from "ynab";
-
-// --- Init ---
-
-let API_TOKEN = process.env.YNAB_API_TOKEN;
-if (!API_TOKEN) {
-  try {
-    API_TOKEN = execFileSync(
-      "op", ["read", "op://Development/YNAB API Token/credential"],
-      { encoding: "utf-8", timeout: 10000, stdio: ["pipe", "pipe", "pipe"] }
-    ).trim();
-  } catch {
-    // 1Password CLI unavailable or item not found
-  }
-}
-if (!API_TOKEN) {
-  console.error("YNAB_API_TOKEN environment variable is required (1Password fallback also failed)");
-  process.exit(1);
-}
-
-const api = new ynab.API(API_TOKEN);
-const DEFAULT_BUDGET_ID = process.env.YNAB_BUDGET_ID;
-
-// --- Helpers ---
-
-function resolveBudgetId(input) {
-  const id = input || DEFAULT_BUDGET_ID || "last-used";
-  return id;
-}
-
-function dollars(milliunits) {
-  return milliunits == null ? null : milliunits / 1000;
-}
-
-function milliunits(dollars) {
-  return Math.round(dollars * 1000);
-}
-
-function dollarsMap(obj) {
-  return obj ? Object.fromEntries(Object.entries(obj).map(([k, v]) => [k, dollars(v)])) : obj;
-}
-
-function mapTransactionInput(t) {
-  const out = {
-    account_id: t.accountId,
-    date: t.date,
-    amount: milliunits(t.amount),
-    payee_id: t.payeeId,
-    payee_name: t.payeeName,
-    category_id: t.categoryId,
-    memo: t.memo,
-    cleared: t.cleared,
-    approved: t.approved,
-    flag_color: t.flagColor,
-    import_id: t.importId,
-  };
-  if (t.subtransactions) {
-    out.subtransactions = t.subtransactions.map((s) => ({
-      amount: milliunits(s.amount),
-      category_id: s.categoryId,
-      payee_id: s.payeeId,
-      payee_name: s.payeeName,
-      memo: s.memo,
-    }));
-  }
-  return out;
-}
-
-function ok(data) {
-  return { content: [{ type: "text", text: JSON.stringify(data, null, 2) }] };
-}
-
-async function run(fn) {
-  try {
-    return await fn();
-  } catch (e) {
-    const detail = e?.error?.detail;
-    const name = e?.error?.name;
-    const msg = detail
-      ? (name ? `${name}: ${detail}` : detail)
-      : (e?.message || String(e));
-    return { content: [{ type: "text", text: `Error: ${msg}` }], isError: true };
-  }
-}
-
-// Direct API helper for endpoints not yet in the ynab SDK
-const BASE_URL = "https://api.ynab.com/v1";
-async function ynabFetch(path, { method = "GET", body } = {}) {
-  const opts = {
-    method,
-    headers: { Authorization: `Bearer ${API_TOKEN}`, "Content-Type": "application/json" },
-  };
-  if (body) opts.body = JSON.stringify(body);
-  const res = await fetch(`${BASE_URL}${path}`, opts);
-  const json = await res.json();
-  if (!res.ok) {
-    const err = new Error(json?.error?.detail || `HTTP ${res.status}`);
-    err.error = json?.error;
-    throw err;
-  }
-  return json.data;
-}
-
-// --- Server ---
-
-const server = new McpServer({
-  name: "ynab-mcp-server",
-  version: "1.2.1",
-});
-
-// ==================== User & Budgets ====================
-
-server.tool("get_user", "Get the authenticated user", {}, () =>
-  run(async () => {
-    const { data } = await api.user.getUser();
-    return ok(data.user);
-  })
-);
-
-server.tool("list_budgets", "List all budgets. Use a budget ID from the results in other tools, or omit budgetId to use the last-used budget.", {}, () =>
-  run(async () => {
-    const { data } = await api.budgets.getBudgets();
-    const result = {
-      budgets: data.budgets.map((b) => ({ id: b.id, name: b.name, last_modified_on: b.last_modified_on, first_month: b.first_month, last_month: b.last_month, date_format: b.date_format, currency_format: b.currency_format })),
-    };
-    if (data.default_budget) {
-      result.default_budget = { id: data.default_budget.id, name: data.default_budget.name };
-    }
-    return ok(result);
-  })
-);
-
-server.tool(
-  "get_budget",
-  "Get a budget summary including name, currency format, and account/category/payee counts",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.budgets.getBudgetById(resolveBudgetId(budgetId));
-      const b = data.budget;
-      return ok({
-        id: b.id,
-        name: b.name,
-        last_modified_on: b.last_modified_on,
-        first_month: b.first_month,
-        last_month: b.last_month,
-        date_format: b.date_format,
-        currency_format: b.currency_format,
-        accounts: b.accounts?.length,
-        categories: b.categories?.length,
-        payees: b.payees?.length,
-      });
-    })
-);
-
-server.tool(
-  "get_budget_settings",
-  "Get budget settings (currency format, date format)",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.budgets.getBudgetSettingsById(resolveBudgetId(budgetId));
-      return ok(data.settings);
-    })
-);
-
-// ==================== Accounts ====================
-
-function formatAccount(a) {
-  const out = {
-    id: a.id,
-    name: a.name,
-    type: a.type,
-    on_budget: a.on_budget,
-    closed: a.closed,
-    balance: dollars(a.balance),
-    cleared_balance: dollars(a.cleared_balance),
-    uncleared_balance: dollars(a.uncleared_balance),
-    transfer_payee_id: a.transfer_payee_id,
-    direct_import_linked: a.direct_import_linked,
-    direct_import_in_error: a.direct_import_in_error,
-    last_reconciled_at: a.last_reconciled_at,
-    debt_original_balance: dollars(a.debt_original_balance),
-    debt_interest_rates: a.debt_interest_rates,
-    debt_minimum_payments: dollarsMap(a.debt_minimum_payments),
-    debt_escrow_amounts: dollarsMap(a.debt_escrow_amounts),
-    deleted: a.deleted,
-  };
-  if ("note" in a) out.note = a.note;
-  return out;
-}
-
-server.tool(
-  "list_accounts",
-  "List all accounts in a budget",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.accounts.getAccounts(resolveBudgetId(budgetId));
-      return ok(data.accounts.map(formatAccount));
-    })
-);
-
-server.tool(
-  "get_account",
-  "Get details for a specific account",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    accountId: z.string().describe("Account ID"),
-  },
-  ({ budgetId, accountId }) =>
-    run(async () => {
-      const { data } = await api.accounts.getAccountById(resolveBudgetId(budgetId), accountId);
-      return ok(formatAccount(data.account));
-    })
-);
-
-server.tool(
-  "create_account",
-  "Create a new account",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    name: z.string().describe("Account name"),
-    type: z.enum(["checking", "savings", "cash", "creditCard", "lineOfCredit", "otherAsset", "otherLiability", "mortgage", "autoLoan", "studentLoan", "personalLoan", "medicalDebt", "otherDebt"]).describe("Account type"),
-    balance: z.number().describe("Starting balance in dollars"),
-  },
-  ({ budgetId, name, type, balance: bal }) =>
-    run(async () => {
-      const { data } = await api.accounts.createAccount(resolveBudgetId(budgetId), {
-        account: { name, type, balance: milliunits(bal) },
-      });
-      return ok(formatAccount(data.account));
-    })
-);
-
-// ==================== Categories ====================
-
-function formatCategory(c) {
-  return {
-    id: c.id,
-    category_group_id: c.category_group_id,
-    category_group_name: c.category_group_name,
-    original_category_group_id: c.original_category_group_id,
-    name: c.name,
-    hidden: c.hidden,
-    note: c.note,
-    budgeted: dollars(c.budgeted),
-    activity: dollars(c.activity),
-    balance: dollars(c.balance),
-    goal_type: c.goal_type,
-    goal_day: c.goal_day,
-    goal_cadence: c.goal_cadence,
-    goal_cadence_frequency: c.goal_cadence_frequency,
-    goal_creation_month: c.goal_creation_month,
-    goal_target: dollars(c.goal_target),
-    goal_target_date: c.goal_target_date,
-    goal_percentage_complete: c.goal_percentage_complete,
-    goal_months_to_budget: c.goal_months_to_budget,
-    goal_under_funded: dollars(c.goal_under_funded),
-    goal_overall_funded: dollars(c.goal_overall_funded),
-    goal_overall_left: dollars(c.goal_overall_left),
-    goal_needs_whole_amount: c.goal_needs_whole_amount,
-    deleted: c.deleted,
-  };
-}
-
-server.tool(
-  "list_categories",
-  "List all category groups and their categories",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.categories.getCategories(resolveBudgetId(budgetId));
-      return ok(
-        data.category_groups.map((g) => ({
-          id: g.id,
-          name: g.name,
-          hidden: g.hidden,
-          deleted: g.deleted,
-          categories: g.categories.map((c) => ({
-            id: c.id,
-            name: c.name,
-            hidden: c.hidden,
-            budgeted: dollars(c.budgeted),
-            activity: dollars(c.activity),
-            balance: dollars(c.balance),
-            goal_type: c.goal_type,
-            deleted: c.deleted,
-          })),
-        }))
-      );
-    })
-);
-
-server.tool(
-  "get_category",
-  "Get a specific category",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    categoryId: z.string().describe("Category ID"),
-  },
-  ({ budgetId, categoryId }) =>
-    run(async () => {
-      const { data } = await api.categories.getCategoryById(resolveBudgetId(budgetId), categoryId);
-      return ok(formatCategory(data.category));
-    })
-);
-
-server.tool(
-  "get_month_category",
-  "Get category budget for a specific month",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
-    categoryId: z.string().describe("Category ID"),
-  },
-  ({ budgetId, month, categoryId }) =>
-    run(async () => {
-      const { data } = await api.categories.getMonthCategoryById(resolveBudgetId(budgetId), month, categoryId);
-      return ok(formatCategory(data.category));
-    })
-);
-
-server.tool(
-  "update_month_category",
-  "Set the budgeted amount for a category in a specific month",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
-    categoryId: z.string().describe("Category ID"),
-    budgeted: z.number().describe("Amount to budget in dollars"),
-  },
-  ({ budgetId, month, categoryId, budgeted }) =>
-    run(async () => {
-      const { data } = await api.categories.updateMonthCategory(resolveBudgetId(budgetId), month, categoryId, {
-        category: { budgeted: milliunits(budgeted) },
-      });
-      return ok(formatCategory(data.category));
-    })
-);
-
-server.tool(
-  "update_category",
-  "Update a category's name, note, goal target, or move it to a different group",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    categoryId: z.string().describe("Category ID"),
-    name: z.string().optional().describe("New category name"),
-    note: z.string().nullable().optional().describe("Category note (null to clear)"),
-    categoryGroupId: z.string().optional().describe("Move to a different category group"),
-    goalTarget: z.number().nullable().optional().describe("Goal target amount in dollars (only if category already has a goal)"),
-    goalTargetDate: z.string().nullable().optional().describe("Goal target date in ISO format (e.g. 2026-12-01, null to clear)"),
-  },
-  ({ budgetId, categoryId, name, note, categoryGroupId, goalTarget, goalTargetDate }) =>
-    run(async () => {
-      const cat = {};
-      if (name !== undefined) cat.name = name;
-      if (note !== undefined) cat.note = note;
-      if (categoryGroupId !== undefined) cat.category_group_id = categoryGroupId;
-      if (goalTarget !== undefined) cat.goal_target = goalTarget != null ? milliunits(goalTarget) : null;
-      if (goalTargetDate !== undefined) cat.goal_target_date = goalTargetDate;
-
-      const { data } = await api.categories.updateCategory(resolveBudgetId(budgetId), categoryId, {
-        category: cat,
-      });
-      return ok(formatCategory(data.category));
-    })
-);
-
-server.tool(
-  "create_category",
-  "Create a new category in a category group",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    categoryGroupId: z.string().describe("Category group ID to create the category in"),
-    name: z.string().describe("Category name"),
-    note: z.string().optional().describe("Category note"),
-    goalTarget: z.number().optional().describe("Goal target amount in dollars (creates a 'Needed for Spending' goal)"),
-    goalTargetDate: z.string().optional().describe("Goal target date in ISO format (e.g. 2026-12-01)"),
-  },
-  ({ budgetId, categoryGroupId, name, note, goalTarget, goalTargetDate }) =>
-    run(async () => {
-      const bid = resolveBudgetId(budgetId);
-      const cat = { category_group_id: categoryGroupId, name };
-      if (note !== undefined) cat.note = note;
-      if (goalTarget !== undefined) cat.goal_target = milliunits(goalTarget);
-      if (goalTargetDate !== undefined) cat.goal_target_date = goalTargetDate;
-      const data = await ynabFetch(`/budgets/${bid}/categories`, {
-        method: "POST",
-        body: { category: cat },
-      });
-      return ok(formatCategory(data.category));
-    })
-);
-
-server.tool(
-  "create_category_group",
-  "Create a new category group",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    name: z.string().describe("Category group name (max 50 characters)"),
-  },
-  ({ budgetId, name }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/category_groups`, {
-        method: "POST",
-        body: { category_group: { name } },
-      });
-      return ok(data.category_group);
-    })
-);
-
-server.tool(
-  "update_category_group",
-  "Rename a category group",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    categoryGroupId: z.string().describe("Category group ID"),
-    name: z.string().describe("New category group name (max 50 characters)"),
-  },
-  ({ budgetId, categoryGroupId, name }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/category_groups/${categoryGroupId}`, {
-        method: "PATCH",
-        body: { category_group: { name } },
-      });
-      return ok(data.category_group);
-    })
-);
-
-// ==================== Payees ====================
-
-server.tool(
-  "list_payees",
-  "List all payees",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.payees.getPayees(resolveBudgetId(budgetId));
-      return ok(data.payees.map((p) => ({ id: p.id, name: p.name, transfer_account_id: p.transfer_account_id, deleted: p.deleted })));
-    })
-);
-
-server.tool(
-  "get_payee",
-  "Get a specific payee",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    payeeId: z.string().describe("Payee ID"),
-  },
-  ({ budgetId, payeeId }) =>
-    run(async () => {
-      const { data } = await api.payees.getPayeeById(resolveBudgetId(budgetId), payeeId);
-      return ok(data.payee);
-    })
-);
-
-server.tool(
-  "update_payee",
-  "Rename a payee",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    payeeId: z.string().describe("Payee ID"),
-    name: z.string().describe("New payee name"),
-  },
-  ({ budgetId, payeeId, name }) =>
-    run(async () => {
-      const { data } = await api.payees.updatePayee(resolveBudgetId(budgetId), payeeId, {
-        payee: { name },
-      });
-      return ok(data.payee);
-    })
-);
-
-// ==================== Payee Locations ====================
-
-server.tool(
-  "list_payee_locations",
-  "List all payee locations (GPS coordinates where transactions occurred)",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.payeeLocations.getPayeeLocations(resolveBudgetId(budgetId));
-      return ok(data.payee_locations);
-    })
-);
-
-server.tool(
-  "get_payee_location",
-  "Get a specific payee location",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    payeeLocationId: z.string().describe("Payee location ID"),
-  },
-  ({ budgetId, payeeLocationId }) =>
-    run(async () => {
-      const { data } = await api.payeeLocations.getPayeeLocationById(resolveBudgetId(budgetId), payeeLocationId);
-      return ok(data.payee_location);
-    })
-);
-
-server.tool(
-  "get_payee_locations_by_payee",
-  "Get all locations for a specific payee",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    payeeId: z.string().describe("Payee ID"),
-  },
-  ({ budgetId, payeeId }) =>
-    run(async () => {
-      const { data } = await api.payeeLocations.getPayeeLocationsByPayee(resolveBudgetId(budgetId), payeeId);
-      return ok(data.payee_locations);
-    })
-);
-
-// ==================== Months ====================
-
-server.tool(
-  "list_months",
-  "List all budget months",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.months.getBudgetMonths(resolveBudgetId(budgetId));
-      return ok(
-        data.months.map((m) => ({
-          month: m.month,
-          note: m.note,
-          income: dollars(m.income),
-          budgeted: dollars(m.budgeted),
-          activity: dollars(m.activity),
-          to_be_budgeted: dollars(m.to_be_budgeted),
-          age_of_money: m.age_of_money,
-          deleted: m.deleted,
-        }))
-      );
-    })
-);
-
-server.tool(
-  "get_month",
-  "Get budget month detail with per-category breakdown",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
-  },
-  ({ budgetId, month }) =>
-    run(async () => {
-      const { data } = await api.months.getBudgetMonth(resolveBudgetId(budgetId), month);
-      const m = data.month;
-      return ok({
-        month: m.month,
-        note: m.note,
-        income: dollars(m.income),
-        budgeted: dollars(m.budgeted),
-        activity: dollars(m.activity),
-        to_be_budgeted: dollars(m.to_be_budgeted),
-        age_of_money: m.age_of_money,
-        deleted: m.deleted,
-        categories: m.categories?.map((c) => ({
-          id: c.id,
-          name: c.name,
-          hidden: c.hidden,
-          category_group_name: c.category_group_name,
-          budgeted: dollars(c.budgeted),
-          activity: dollars(c.activity),
-          balance: dollars(c.balance),
-          goal_type: c.goal_type,
-          goal_target: dollars(c.goal_target),
-          goal_under_funded: dollars(c.goal_under_funded),
-          deleted: c.deleted,
-        })),
-      });
-    })
-);
-
-// ==================== Money Movements ====================
-
-function formatMoneyMovement(m) {
-  return {
-    id: m.id,
-    month: m.month,
-    moved_at: m.moved_at,
-    note: m.note,
-    money_movement_group_id: m.money_movement_group_id,
-    performed_by_user_id: m.performed_by_user_id,
-    from_category_id: m.from_category_id,
-    to_category_id: m.to_category_id,
-    amount: dollars(m.amount),
-    deleted: m.deleted,
-  };
-}
-
-server.tool(
-  "list_money_movements",
-  "List all money movements (budget re-allocations between categories)",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/money_movements`);
-      return ok(data.money_movements.map(formatMoneyMovement));
-    })
-);
-
-server.tool(
-  "get_money_movements_by_month",
-  "Get money movements for a specific month",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    month: z.string().describe("Month in YYYY-MM-DD format (first of month), or 'current'"),
-  },
-  ({ budgetId, month }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/months/${month}/money_movements`);
-      return ok(data.money_movements.map(formatMoneyMovement));
-    })
-);
-
-server.tool(
-  "list_money_movement_groups",
-  "List all money movement groups (batches of related money movements)",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/money_movement_groups`);
-      return ok(data.money_movement_groups);
-    })
-);
-
-server.tool(
-  "get_money_movement_groups_by_month",
-  "Get money movement groups for a specific month",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    month: z.string().describe("Month in YYYY-MM-DD format (first of month), or 'current'"),
-  },
-  ({ budgetId, month }) =>
-    run(async () => {
-      const data = await ynabFetch(`/budgets/${resolveBudgetId(budgetId)}/months/${month}/money_movement_groups`);
-      return ok(data.money_movement_groups);
-    })
-);
-
-// ==================== Transactions ====================
-
-function formatTransaction(t) {
-  return {
-    id: t.id,
-    date: t.date,
-    amount: dollars(t.amount),
-    memo: t.memo,
-    cleared: t.cleared,
-    approved: t.approved,
-    flag_color: t.flag_color,
-    flag_name: t.flag_name,
-    account_id: t.account_id,
-    account_name: t.account_name,
-    payee_id: t.payee_id,
-    payee_name: t.payee_name,
-    category_id: t.category_id,
-    category_name: t.category_name,
-    transfer_account_id: t.transfer_account_id,
-    transfer_transaction_id: t.transfer_transaction_id,
-    matched_transaction_id: t.matched_transaction_id,
-    import_id: t.import_id,
-    import_payee_name: t.import_payee_name,
-    import_payee_name_original: t.import_payee_name_original,
-    debt_transaction_type: t.debt_transaction_type,
-    deleted: t.deleted,
-    subtransactions: t.subtransactions?.map((s) => ({
-      id: s.id,
-      transaction_id: s.transaction_id,
-      amount: dollars(s.amount),
-      memo: s.memo,
-      payee_id: s.payee_id,
-      payee_name: s.payee_name,
-      category_id: s.category_id,
-      category_name: s.category_name,
-      transfer_account_id: s.transfer_account_id,
-      transfer_transaction_id: s.transfer_transaction_id,
-      deleted: s.deleted,
-    })),
-  };
-}
-
-server.tool(
-  "get_transactions",
-  "Get transactions with optional filters. Use type='unapproved' or type='uncategorized' to filter. Optionally filter by account, category, payee, or month.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    sinceDate: z.string().optional().describe("Only return transactions on or after this date (YYYY-MM-DD)"),
-    type: z.enum(["unapproved", "uncategorized"]).optional().describe("Filter by approval/categorization status"),
-    accountId: z.string().optional().describe("Filter by account ID"),
-    categoryId: z.string().optional().describe("Filter by category ID"),
-    payeeId: z.string().optional().describe("Filter by payee ID"),
-    month: z.string().optional().describe("Filter by month (YYYY-MM-DD, first of month)"),
-  },
-  ({ budgetId, sinceDate, type, accountId, categoryId, payeeId, month }) =>
-    run(async () => {
-      const bid = resolveBudgetId(budgetId);
-      let transactions;
-
-      if (accountId) {
-        const { data } = await api.transactions.getTransactionsByAccount(bid, accountId, sinceDate, type);
-        transactions = data.transactions;
-      } else if (categoryId) {
-        const { data } = await api.transactions.getTransactionsByCategory(bid, categoryId, sinceDate, type);
-        transactions = data.transactions;
-      } else if (payeeId) {
-        const { data } = await api.transactions.getTransactionsByPayee(bid, payeeId, sinceDate, type);
-        transactions = data.transactions;
-      } else if (month) {
-        const { data } = await api.transactions.getTransactionsByMonth(bid, month, sinceDate, type);
-        transactions = data.transactions;
-      } else {
-        const { data } = await api.transactions.getTransactions(bid, sinceDate, type);
-        transactions = data.transactions;
-      }
-
-      return ok(transactions.map(formatTransaction));
-    })
-);
-
-server.tool(
-  "get_transaction",
-  "Get a single transaction by ID",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    transactionId: z.string().describe("Transaction ID"),
-  },
-  ({ budgetId, transactionId }) =>
-    run(async () => {
-      const { data } = await api.transactions.getTransactionById(resolveBudgetId(budgetId), transactionId);
-      return ok(formatTransaction(data.transaction));
-    })
-);
-
-server.tool(
-  "create_transaction",
-  "Create a new transaction. Amounts are in dollars (positive for inflows, negative for outflows). Note: future-dated transactions cannot be created here — use create_scheduled_transaction instead.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    accountId: z.string().describe("Account ID"),
-    date: z.string().describe("Transaction date (YYYY-MM-DD)"),
-    amount: z.number().describe("Amount in dollars (negative for outflows, positive for inflows)"),
-    payeeId: z.string().optional().describe("Payee ID"),
-    payeeName: z.string().optional().describe("Payee name (creates new payee if no payeeId)"),
-    categoryId: z.string().optional().describe("Category ID"),
-    memo: z.string().optional().describe("Transaction memo"),
-    cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
-    approved: z.boolean().optional().describe("Whether transaction is approved"),
-    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
-    importId: z.string().optional().describe("Unique import ID for deduplication (max 36 chars). If omitted and the transaction is later imported, duplicates may be created."),
-    subtransactions: z.array(z.object({
-      amount: z.number().describe("Subtransaction amount in dollars"),
-      categoryId: z.string().optional().describe("Category ID"),
-      payeeId: z.string().optional().describe("Payee ID"),
-      payeeName: z.string().optional().describe("Payee name"),
-      memo: z.string().optional().describe("Memo"),
-    })).optional().describe("Split transaction into subtransactions. The subtransaction amounts must sum to the total transaction amount."),
-  },
-  ({ budgetId, ...txnFields }) =>
-    run(async () => {
-      const { data } = await api.transactions.createTransaction(resolveBudgetId(budgetId), {
-        transaction: mapTransactionInput(txnFields),
-      });
-      return ok(formatTransaction(data.transaction));
-    })
-);
-
-server.tool(
-  "create_transactions",
-  "Create multiple transactions at once. Amounts are in dollars. Returns created transactions and any duplicate import IDs. Future-dated transactions are not supported — use create_scheduled_transaction instead.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    transactions: z.array(z.object({
-      accountId: z.string().describe("Account ID"),
-      date: z.string().describe("Transaction date (YYYY-MM-DD)"),
-      amount: z.number().describe("Amount in dollars (negative for outflows, positive for inflows)"),
-      payeeId: z.string().optional().describe("Payee ID"),
-      payeeName: z.string().optional().describe("Payee name (creates new payee if no payeeId)"),
-      categoryId: z.string().optional().describe("Category ID"),
-      memo: z.string().optional().describe("Transaction memo"),
-      cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
-      approved: z.boolean().optional().describe("Whether transaction is approved"),
-      flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
-      importId: z.string().optional().describe("Unique import ID for deduplication (max 36 chars)"),
-      subtransactions: z.array(z.object({
-        amount: z.number().describe("Subtransaction amount in dollars"),
-        categoryId: z.string().optional().describe("Category ID"),
-        payeeId: z.string().optional().describe("Payee ID"),
-        payeeName: z.string().optional().describe("Payee name"),
-        memo: z.string().optional().describe("Memo"),
-      })).optional().describe("Split transaction into subtransactions"),
-    })).describe("Array of transactions to create"),
-  },
-  ({ budgetId, transactions: txns }) =>
-    run(async () => {
-      const { data } = await api.transactions.createTransactions(resolveBudgetId(budgetId), {
-        transactions: txns.map(mapTransactionInput),
-      });
-      return ok({
-        created: data.transactions?.map(formatTransaction),
-        duplicate_import_ids: data.duplicate_import_ids,
-      });
-    })
-);
-
-server.tool(
-  "update_transaction",
-  "Update an existing transaction. Only provided fields are changed. Amounts in dollars.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    transactionId: z.string().describe("Transaction ID"),
-    accountId: z.string().optional().describe("Account ID"),
-    date: z.string().optional().describe("Transaction date (YYYY-MM-DD)"),
-    amount: z.number().optional().describe("Amount in dollars"),
-    payeeId: z.string().nullable().optional().describe("Payee ID (null to remove)"),
-    payeeName: z.string().nullable().optional().describe("Payee name (null to clear)"),
-    categoryId: z.string().nullable().optional().describe("Category ID (null to uncategorize)"),
-    memo: z.string().nullable().optional().describe("Transaction memo (null to clear)"),
-    cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
-    approved: z.boolean().optional().describe("Whether transaction is approved"),
-    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color (null to remove)"),
-  },
-  ({ budgetId, transactionId, accountId, date, amount, payeeId, payeeName, categoryId, memo, cleared, approved, flagColor }) =>
-    run(async () => {
-      const txn = {};
-      if (accountId !== undefined) txn.account_id = accountId;
-      if (date !== undefined) txn.date = date;
-      if (amount !== undefined) txn.amount = milliunits(amount);
-      if (payeeId !== undefined) txn.payee_id = payeeId;
-      if (payeeName !== undefined) txn.payee_name = payeeName;
-      if (categoryId !== undefined) txn.category_id = categoryId;
-      if (memo !== undefined) txn.memo = memo;
-      if (cleared !== undefined) txn.cleared = cleared;
-      if (approved !== undefined) txn.approved = approved;
-      if (flagColor !== undefined) txn.flag_color = flagColor;
-
-      const { data } = await api.transactions.updateTransaction(resolveBudgetId(budgetId), transactionId, {
-        transaction: txn,
-      });
-      return ok(formatTransaction(data.transaction));
-    })
-);
-
-server.tool(
-  "delete_transaction",
-  "Delete a transaction",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    transactionId: z.string().describe("Transaction ID"),
-  },
-  ({ budgetId, transactionId }) =>
-    run(async () => {
-      const { data } = await api.transactions.deleteTransaction(resolveBudgetId(budgetId), transactionId);
-      return ok(formatTransaction(data.transaction));
-    })
-);
-
-server.tool(
-  "update_transactions",
-  "Batch update multiple transactions. Each transaction object must include its id and the fields to update.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    transactions: z
-      .array(
-        z.object({
-          id: z.string().describe("Transaction ID"),
-          accountId: z.string().optional().describe("Account ID"),
-          date: z.string().optional().describe("Transaction date (YYYY-MM-DD)"),
-          amount: z.number().optional().describe("Amount in dollars"),
-          payeeId: z.string().nullable().optional().describe("Payee ID (null to remove)"),
-          payeeName: z.string().nullable().optional().describe("Payee name (null to clear)"),
-          categoryId: z.string().nullable().optional().describe("Category ID (null to uncategorize)"),
-          memo: z.string().nullable().optional().describe("Transaction memo (null to clear)"),
-          cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
-          approved: z.boolean().optional().describe("Whether transaction is approved"),
-          flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color (null to remove)"),
-        })
-      )
-      .describe("Array of transaction updates"),
-  },
-  ({ budgetId, transactions: txns }) =>
-    run(async () => {
-      const mapped = txns.map((t) => {
-        const out = { id: t.id };
-        if (t.accountId !== undefined) out.account_id = t.accountId;
-        if (t.date !== undefined) out.date = t.date;
-        if (t.amount !== undefined) out.amount = milliunits(t.amount);
-        if (t.payeeId !== undefined) out.payee_id = t.payeeId;
-        if (t.payeeName !== undefined) out.payee_name = t.payeeName;
-        if (t.categoryId !== undefined) out.category_id = t.categoryId;
-        if (t.memo !== undefined) out.memo = t.memo;
-        if (t.cleared !== undefined) out.cleared = t.cleared;
-        if (t.approved !== undefined) out.approved = t.approved;
-        if (t.flagColor !== undefined) out.flag_color = t.flagColor;
-        return out;
-      });
-      const { data } = await api.transactions.updateTransactions(resolveBudgetId(budgetId), {
-        transactions: mapped,
-      });
-      return ok({
-        updated: data.transactions?.map(formatTransaction),
-        duplicate_import_ids: data.duplicate_import_ids,
-      });
-    })
-);
-
-server.tool(
-  "import_transactions",
-  "Trigger import of linked account transactions",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.transactions.importTransactions(resolveBudgetId(budgetId));
-      return ok(data);
-    })
-);
-
-// ==================== Scheduled Transactions ====================
-
-function formatScheduledTransaction(t) {
-  return {
-    id: t.id,
-    date_first: t.date_first,
-    date_next: t.date_next,
-    frequency: t.frequency,
-    amount: dollars(t.amount),
-    memo: t.memo,
-    flag_color: t.flag_color,
-    flag_name: t.flag_name,
-    account_id: t.account_id,
-    account_name: t.account_name,
-    payee_id: t.payee_id,
-    payee_name: t.payee_name,
-    category_id: t.category_id,
-    category_name: t.category_name,
-    transfer_account_id: t.transfer_account_id,
-    deleted: t.deleted,
-    subtransactions: t.subtransactions?.map((s) => ({
-      id: s.id,
-      scheduled_transaction_id: s.scheduled_transaction_id,
-      amount: dollars(s.amount),
-      memo: s.memo,
-      payee_id: s.payee_id,
-      payee_name: s.payee_name,
-      category_id: s.category_id,
-      category_name: s.category_name,
-      transfer_account_id: s.transfer_account_id,
-      deleted: s.deleted,
-    })),
-  };
-}
-
-server.tool(
-  "list_scheduled_transactions",
-  "List all scheduled (recurring) transactions",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.scheduledTransactions.getScheduledTransactions(resolveBudgetId(budgetId));
-      return ok(data.scheduled_transactions.map(formatScheduledTransaction));
-    })
-);
-
-server.tool(
-  "get_scheduled_transaction",
-  "Get a specific scheduled transaction",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
-  },
-  ({ budgetId, scheduledTransactionId }) =>
-    run(async () => {
-      const { data } = await api.scheduledTransactions.getScheduledTransactionById(resolveBudgetId(budgetId), scheduledTransactionId);
-      return ok(formatScheduledTransaction(data.scheduled_transaction));
-    })
-);
-
-server.tool(
-  "create_scheduled_transaction",
-  "Create a new scheduled (recurring) transaction",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    accountId: z.string().describe("Account ID"),
-    dateFirst: z.string().describe("First occurrence date (YYYY-MM-DD)"),
-    frequency: z.enum(["never", "daily", "weekly", "everyOtherWeek", "twiceAMonth", "every4Weeks", "monthly", "everyOtherMonth", "every3Months", "every4Months", "twiceAYear", "yearly", "everyOtherYear"]).describe("Recurrence frequency"),
-    amount: z.number().describe("Amount in dollars (negative for outflows)"),
-    payeeId: z.string().optional().describe("Payee ID"),
-    payeeName: z.string().optional().describe("Payee name"),
-    categoryId: z.string().optional().describe("Category ID"),
-    memo: z.string().optional().describe("Memo"),
-    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
-  },
-  ({ budgetId, accountId, dateFirst, frequency, amount, payeeId, payeeName, categoryId, memo, flagColor }) =>
-    run(async () => {
-      const { data } = await api.scheduledTransactions.createScheduledTransaction(resolveBudgetId(budgetId), {
-        scheduled_transaction: {
-          account_id: accountId,
-          date: dateFirst,
-          frequency,
-          amount: milliunits(amount),
-          payee_id: payeeId,
-          payee_name: payeeName,
-          category_id: categoryId,
-          memo,
-          flag_color: flagColor,
-        },
-      });
-      return ok(formatScheduledTransaction(data.scheduled_transaction));
-    })
-);
-
-server.tool(
-  "update_scheduled_transaction",
-  "Update an existing scheduled transaction. Only provided fields are changed. Amounts in dollars.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
-    accountId: z.string().optional().describe("Account ID"),
-    date: z.string().optional().describe("Next occurrence date (YYYY-MM-DD)"),
-    frequency: z.enum(["never", "daily", "weekly", "everyOtherWeek", "twiceAMonth", "every4Weeks", "monthly", "everyOtherMonth", "every3Months", "every4Months", "twiceAYear", "yearly", "everyOtherYear"]).optional().describe("Recurrence frequency"),
-    amount: z.number().optional().describe("Amount in dollars (negative for outflows)"),
-    payeeId: z.string().nullable().optional().describe("Payee ID"),
-    payeeName: z.string().nullable().optional().describe("Payee name"),
-    categoryId: z.string().nullable().optional().describe("Category ID"),
-    memo: z.string().nullable().optional().describe("Memo"),
-    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color"),
-  },
-  ({ budgetId, scheduledTransactionId, accountId, date, frequency, amount, payeeId, payeeName, categoryId, memo, flagColor }) =>
-    run(async () => {
-      const bid = resolveBudgetId(budgetId);
-      // PUT replaces the full resource — fetch current values to merge with updates
-      const { data: current } = await api.scheduledTransactions.getScheduledTransactionById(bid, scheduledTransactionId);
-      const existing = current.scheduled_transaction;
-
-      const st = {
-        account_id: accountId ?? existing.account_id,
-        date: date ?? existing.date_next,
-        frequency: frequency ?? existing.frequency,
-        amount: amount !== undefined ? milliunits(amount) : existing.amount,
-        payee_id: payeeId !== undefined ? payeeId : existing.payee_id,
-        payee_name: payeeName !== undefined ? payeeName : existing.payee_name,
-        category_id: categoryId !== undefined ? categoryId : existing.category_id,
-        memo: memo !== undefined ? memo : existing.memo,
-        flag_color: flagColor !== undefined ? flagColor : existing.flag_color,
-      };
-
-      const { data } = await api.scheduledTransactions.updateScheduledTransaction(
-        bid,
-        scheduledTransactionId,
-        { scheduled_transaction: st }
-      );
-      return ok(formatScheduledTransaction(data.scheduled_transaction));
-    })
-);
-
-server.tool(
-  "delete_scheduled_transaction",
-  "Delete a scheduled transaction",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
-  },
-  ({ budgetId, scheduledTransactionId }) =>
-    run(async () => {
-      const { data } = await api.scheduledTransactions.deleteScheduledTransaction(resolveBudgetId(budgetId), scheduledTransactionId);
-      return ok(formatScheduledTransaction(data.scheduled_transaction));
-    })
-);
-
-// ==================== Convenience Tools ====================
-
-server.tool(
-  "search_categories",
-  "Search categories by partial name match (case-insensitive). Useful for finding category IDs when you only know part of the name.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    query: z.string().describe("Partial category name to search for (e.g. 'work' matches '💻 Work Expenses (Oliver LLC)')"),
-  },
-  ({ budgetId, query }) =>
-    run(async () => {
-      const { data } = await api.categories.getCategories(resolveBudgetId(budgetId));
-      const q = query.toLowerCase();
-      const matches = [];
-      for (const g of data.category_groups) {
-        if (g.hidden) continue;
-        for (const c of g.categories) {
-          if (c.hidden) continue;
-          if (c.name.toLowerCase().includes(q)) {
-            matches.push({
-              id: c.id,
-              name: c.name,
-              group: g.name,
-              budgeted: dollars(c.budgeted),
-              activity: dollars(c.activity),
-              balance: dollars(c.balance),
-            });
-          }
-        }
-      }
-      if (matches.length === 0) return ok({ message: `No categories matching "${query}"`, suggestions: "Try a shorter search term" });
-      return ok(matches);
-    })
-);
-
-server.tool(
-  "search_payees",
-  "Search payees by partial name match (case-insensitive). Useful for finding payee IDs.",
-  {
-    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
-    query: z.string().describe("Partial payee name to search for"),
-  },
-  ({ budgetId, query }) =>
-    run(async () => {
-      const { data } = await api.payees.getPayees(resolveBudgetId(budgetId));
-      const q = query.toLowerCase();
-      const matches = data.payees
-        .filter((p) => p.name.toLowerCase().includes(q))
-        .map((p) => ({ id: p.id, name: p.name, transfer_account_id: p.transfer_account_id, deleted: p.deleted }));
-      if (matches.length === 0) return ok({ message: `No payees matching "${query}"` });
-      return ok(matches);
-    })
-);
-
-server.tool(
-  "review_unapproved",
-  "Get all unapproved transactions grouped by status: those already categorized (ready to approve) and those still uncategorized (need category first). Never approve uncategorized transactions without explicit user instruction.",
-  { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") },
-  ({ budgetId }) =>
-    run(async () => {
-      const { data } = await api.transactions.getTransactions(resolveBudgetId(budgetId), undefined, "unapproved");
-      const txns = data.transactions.map(formatTransaction);
-      const isCategorized = (t) => (t.category_id && t.category_name !== "Uncategorized")
-        || (t.subtransactions && t.subtransactions.length > 0) // split transactions are categorized via subtransactions
-        || t.transfer_account_id; // transfers don't need categories
-      const categorized = txns.filter(isCategorized);
-      const uncategorized = txns.filter((t) => !isCategorized(t));
-      return ok({
-        total: txns.length,
-        ready_to_approve: {
-          count: categorized.length,
-          transactions: categorized,
-        },
-        needs_category_first: {
-          count: uncategorized.length,
-          warning: "Do NOT approve these without assigning a category first",
-          transactions: uncategorized,
-        },
-      });
-    })
-);
-
-// --- Start ---
-
-process.on("uncaughtException", (err) => {
-  console.error("Uncaught exception:", err);
-  process.exit(1);
-});
-
-const transport = new StdioServerTransport();
-await server.connect(transport);
+#!/usr/bin/env node
+
+import { execFileSync } from "node:child_process";
+import { McpServer } from "@modelcontextprotocol/sdk/server/mcp.js";
+import { StdioServerTransport } from "@modelcontextprotocol/sdk/server/stdio.js";
+import { z } from "zod";
+import * as ynab from "ynab";
+
+// --- Init ---
+
+let API_TOKEN = process.env.YNAB_API_TOKEN;
+let opLookupError;
+if (!API_TOKEN && process.env.YNAB_OP_PATH) {
+  try {
+    API_TOKEN = execFileSync(
+      "op", ["read", process.env.YNAB_OP_PATH],
+      { encoding: "utf-8", timeout: 10000, stdio: ["pipe", "pipe", "pipe"] }
+    ).trim();
+  } catch (e) {
+    opLookupError = e.stderr?.toString().trim() || e.message || "unknown 1Password CLI error";
+  }
+}
+if (!API_TOKEN) {
+  const opMessage = process.env.YNAB_OP_PATH
+    ? ` Could not read YNAB_OP_PATH via 1Password CLI: ${opLookupError}.`
+    : " Set YNAB_OP_PATH to enable 1Password CLI fallback (e.g. op://Vault/Item/credential).";
+  console.error(`YNAB_API_TOKEN environment variable is required.${opMessage}`);
+  process.exit(1);
+}
+
+const api = new ynab.API(API_TOKEN);
+const DEFAULT_BUDGET_ID = process.env.YNAB_BUDGET_ID;
+
+// --- Helpers ---
+
+function resolveBudgetId(input) {
+  return input || DEFAULT_BUDGET_ID || "last-used";
+}
+
+function dollars(milliunits) {
+  return milliunits == null ? null : milliunits / 1000;
+}
+
+function milliunits(dollars) {
+  return Math.round(dollars * 1000);
+}
+
+function dollarsMap(obj) {
+  return obj ? Object.fromEntries(Object.entries(obj).map(([k, v]) => [k, dollars(v)])) : obj;
+}
+
+function withCurrencyFields(out, source, fields) {
+  for (const field of fields) {
+    const formatted = `${field}_formatted`;
+    const currency = `${field}_currency`;
+    if (formatted in source) out[formatted] = source[formatted];
+    if (currency in source) out[currency] = source[currency];
+  }
+  return out;
+}
+
+function mapTransactionInput(t) {
+  const out = {
+    account_id: t.accountId,
+    date: t.date,
+    amount: milliunits(t.amount),
+    payee_id: t.payeeId,
+    payee_name: t.payeeName,
+    category_id: t.categoryId,
+    memo: t.memo,
+    cleared: t.cleared,
+    approved: t.approved,
+    flag_color: t.flagColor,
+    import_id: t.importId,
+  };
+  if (t.subtransactions) {
+    out.subtransactions = t.subtransactions.map((s) => ({
+      amount: milliunits(s.amount),
+      category_id: s.categoryId,
+      payee_id: s.payeeId,
+      payee_name: s.payeeName,
+      memo: s.memo,
+    }));
+  }
+  return out;
+}
+
+// Sparse patch mapper for update_transaction / update_transactions - only includes fields that were explicitly provided
+function mapTransactionUpdate(t) {
+  const out = {};
+  if (t.accountId  !== undefined) out.account_id  = t.accountId;
+  if (t.date       !== undefined) out.date         = t.date;
+  if (t.amount     !== undefined) out.amount        = milliunits(t.amount);
+  if (t.payeeId    !== undefined) out.payee_id      = t.payeeId;
+  if (t.payeeName  !== undefined) out.payee_name    = t.payeeName;
+  if (t.categoryId !== undefined) out.category_id   = t.categoryId;
+  if (t.memo       !== undefined) out.memo           = t.memo;
+  if (t.cleared    !== undefined) out.cleared        = t.cleared;
+  if (t.approved   !== undefined) out.approved       = t.approved;
+  if (t.flagColor  !== undefined) out.flag_color     = t.flagColor;
+  return out;
+}
+
+function ok(data) {
+  return { content: [{ type: "text", text: JSON.stringify(data, null, 2) }] };
+}
+
+function collection(data, key, items, lastKnowledgeOfServer) {
+  return lastKnowledgeOfServer === undefined
+    ? items
+    : { [key]: items, server_knowledge: data.server_knowledge };
+}
+
+async function run(fn) {
+  try {
+    return await fn();
+  } catch (e) {
+    const detail = e?.error?.detail;
+    const name = e?.error?.name;
+    const msg = detail
+      ? (name ? `${name}: ${detail}` : detail)
+      : (e?.message || String(e));
+    return { content: [{ type: "text", text: `Error: ${msg}` }], isError: true };
+  }
+}
+
+// Direct API helper for endpoints not yet in the ynab SDK
+const BASE_URL = "https://api.ynab.com/v1";
+async function ynabFetch(path, { method = "GET", body, query } = {}) {
+  const url = new URL(`${BASE_URL}${path}`);
+  for (const [key, value] of Object.entries(query || {})) {
+    if (value !== undefined && value !== null) url.searchParams.set(key, String(value));
+  }
+  const opts = {
+    method,
+    headers: { Authorization: `Bearer ${API_TOKEN}`, "Content-Type": "application/json" },
+  };
+  if (body) opts.body = JSON.stringify(body);
+  const res = await fetch(url, opts);
+  const text = await res.text();
+  const json = text ? JSON.parse(text) : {};
+  if (!res.ok) {
+    const err = new Error(json?.error?.detail || `HTTP ${res.status}`);
+    err.error = json?.error;
+    throw err;
+  }
+  return json.data;
+}
+
+// --- Server ---
+
+const server = new McpServer({
+  name: "ynab-mcp-server",
+  version: "1.3.0",
+});
+
+// ==================== User & Budgets ====================
+
+server.registerTool(
+  "get_user",
+  { description: "Get the authenticated user" },
+  () =>
+  run(async () => {
+    const { data } = await api.user.getUser();
+    return ok(data.user);
+  })
+);
+
+server.registerTool(
+  "list_budgets",
+  { description: "List all budgets. Use a budget ID from the results in other tools, or omit budgetId to use the last-used budget." },
+  () =>
+  run(async () => {
+    const { data } = await api.budgets.getBudgets();
+    const result = {
+      budgets: data.budgets.map((b) => ({ id: b.id, name: b.name, last_modified_on: b.last_modified_on, first_month: b.first_month, last_month: b.last_month, date_format: b.date_format, currency_format: b.currency_format })),
+    };
+    if (data.default_budget) {
+      result.default_budget = { id: data.default_budget.id, name: data.default_budget.name };
+    }
+    return ok(result);
+  })
+);
+
+server.registerTool(
+  "get_budget",
+  { description: "Get a budget summary including name, currency format, and account/category/payee counts", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const { data } = await api.budgets.getBudgetById(resolveBudgetId(budgetId));
+      const b = data.budget;
+      return ok({
+        id: b.id,
+        name: b.name,
+        last_modified_on: b.last_modified_on,
+        first_month: b.first_month,
+        last_month: b.last_month,
+        date_format: b.date_format,
+        currency_format: b.currency_format,
+        accounts: b.accounts?.length,
+        categories: b.categories?.length,
+        payees: b.payees?.length,
+      });
+    })
+);
+
+server.registerTool(
+  "get_budget_settings",
+  { description: "Get budget settings (currency format, date format)", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const { data } = await api.budgets.getBudgetSettingsById(resolveBudgetId(budgetId));
+      return ok(data.settings);
+    })
+);
+
+// ==================== Accounts ====================
+
+function formatAccount(a) {
+  const out = {
+    id: a.id,
+    name: a.name,
+    type: a.type,
+    on_budget: a.on_budget,
+    closed: a.closed,
+    balance: dollars(a.balance),
+    cleared_balance: dollars(a.cleared_balance),
+    uncleared_balance: dollars(a.uncleared_balance),
+    transfer_payee_id: a.transfer_payee_id,
+    direct_import_linked: a.direct_import_linked,
+    direct_import_in_error: a.direct_import_in_error,
+    last_reconciled_at: a.last_reconciled_at,
+    debt_original_balance: dollars(a.debt_original_balance),
+    debt_interest_rates: a.debt_interest_rates,
+    debt_minimum_payments: dollarsMap(a.debt_minimum_payments),
+    debt_escrow_amounts: dollarsMap(a.debt_escrow_amounts),
+    deleted: a.deleted,
+  };
+  if ("note" in a) out.note = a.note;
+  return withCurrencyFields(out, a, ["balance", "cleared_balance", "uncleared_balance"]);
+}
+
+server.registerTool(
+  "list_accounts",
+  { description: "List all accounts in a budget", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { accounts, server_knowledge }."),
+  } },
+  ({ budgetId, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const { data } = await api.accounts.getAccounts(resolveBudgetId(budgetId), lastKnowledgeOfServer);
+      const accounts = data.accounts.map(formatAccount);
+      return ok(collection(data, "accounts", accounts, lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_account",
+  { description: "Get details for a specific account", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    accountId: z.string().describe("Account ID"),
+  } },
+  ({ budgetId, accountId }) =>
+    run(async () => {
+      const { data } = await api.accounts.getAccountById(resolveBudgetId(budgetId), accountId);
+      return ok(formatAccount(data.account));
+    })
+);
+
+server.registerTool(
+  "create_account",
+  { description: "Create a new account", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    name: z.string().describe("Account name"),
+    type: z.enum(["checking", "savings", "cash", "creditCard", "lineOfCredit", "otherAsset", "otherLiability", "mortgage", "autoLoan", "studentLoan", "personalLoan", "medicalDebt", "otherDebt"]).describe("Account type"),
+    balance: z.number().describe("Starting balance in dollars"),
+  } },
+  ({ budgetId, name, type, balance: bal }) =>
+    run(async () => {
+      const { data } = await api.accounts.createAccount(resolveBudgetId(budgetId), {
+        account: { name, type, balance: milliunits(bal) },
+      });
+      return ok(formatAccount(data.account));
+    })
+);
+
+// ==================== Categories ====================
+
+function formatCategory(c) {
+  const out = {
+    id: c.id,
+    category_group_id: c.category_group_id,
+    category_group_name: c.category_group_name,
+    original_category_group_id: c.original_category_group_id,
+    name: c.name,
+    hidden: c.hidden,
+    note: c.note,
+    budgeted: dollars(c.budgeted),
+    activity: dollars(c.activity),
+    balance: dollars(c.balance),
+    goal_type: c.goal_type,
+    goal_day: c.goal_day,
+    goal_cadence: c.goal_cadence,
+    goal_cadence_frequency: c.goal_cadence_frequency,
+    goal_creation_month: c.goal_creation_month,
+    goal_target: dollars(c.goal_target),
+    goal_target_month: c.goal_target_month,
+    goal_target_date: c.goal_target_date,
+    goal_percentage_complete: c.goal_percentage_complete,
+    goal_months_to_budget: c.goal_months_to_budget,
+    goal_under_funded: dollars(c.goal_under_funded),
+    goal_overall_funded: dollars(c.goal_overall_funded),
+    goal_overall_left: dollars(c.goal_overall_left),
+    goal_needs_whole_amount: c.goal_needs_whole_amount,
+    goal_snoozed_at: c.goal_snoozed_at,
+    deleted: c.deleted,
+  };
+  return withCurrencyFields(out, c, [
+    "budgeted",
+    "activity",
+    "balance",
+    "goal_target",
+    "goal_under_funded",
+    "goal_overall_funded",
+    "goal_overall_left",
+  ]);
+}
+
+server.registerTool(
+  "list_categories",
+  { description: "List all category groups and their categories", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { category_groups, server_knowledge }."),
+  } },
+  ({ budgetId, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const { data } = await api.categories.getCategories(resolveBudgetId(budgetId), lastKnowledgeOfServer);
+      const categoryGroups = data.category_groups.map((g) => ({
+          id: g.id,
+          name: g.name,
+          hidden: g.hidden,
+          deleted: g.deleted,
+          categories: g.categories.map((c) =>
+            withCurrencyFields(
+              {
+                id: c.id,
+                name: c.name,
+                hidden: c.hidden,
+                budgeted: dollars(c.budgeted),
+                activity: dollars(c.activity),
+                balance: dollars(c.balance),
+                goal_type: c.goal_type,
+                goal_needs_whole_amount: c.goal_needs_whole_amount,
+                deleted: c.deleted,
+              },
+              c,
+              ["budgeted", "activity", "balance"]
+            )
+          ),
+        }));
+      return ok(collection(data, "category_groups", categoryGroups, lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_category",
+  { description: "Get a specific category", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    categoryId: z.string().describe("Category ID"),
+  } },
+  ({ budgetId, categoryId }) =>
+    run(async () => {
+      const { data } = await api.categories.getCategoryById(resolveBudgetId(budgetId), categoryId);
+      return ok(formatCategory(data.category));
+    })
+);
+
+server.registerTool(
+  "get_month_category",
+  { description: "Get category budget for a specific month", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
+    categoryId: z.string().describe("Category ID"),
+  } },
+  ({ budgetId, month, categoryId }) =>
+    run(async () => {
+      const { data } = await api.categories.getMonthCategoryById(resolveBudgetId(budgetId), month, categoryId);
+      return ok(formatCategory(data.category));
+    })
+);
+
+server.registerTool(
+  "update_month_category",
+  { description: "Set the budgeted amount for a category in a specific month", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
+    categoryId: z.string().describe("Category ID"),
+    budgeted: z.number().describe("Amount to budget in dollars"),
+  } },
+  ({ budgetId, month, categoryId, budgeted }) =>
+    run(async () => {
+      const { data } = await api.categories.updateMonthCategory(resolveBudgetId(budgetId), month, categoryId, {
+        category: { budgeted: milliunits(budgeted) },
+      });
+      return ok(formatCategory(data.category));
+    })
+);
+
+server.registerTool(
+  "update_category",
+  { description: "Update a category's name, note, goal target, or move it to a different group", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    categoryId: z.string().describe("Category ID"),
+    name: z.string().optional().describe("New category name"),
+    note: z.string().nullable().optional().describe("Category note (null to clear)"),
+    categoryGroupId: z.string().optional().describe("Move to a different category group"),
+    goalTarget: z.number().nullable().optional().describe("Goal target amount in dollars (only if category already has a goal)"),
+    goalTargetDate: z.string().nullable().optional().describe("Goal target date in ISO format (e.g. 2026-12-01, null to clear)"),
+    goalNeedsWholeAmount: z.boolean().nullable().optional().describe("For NEED goals, true uses 'Set aside another' behavior and false uses 'Refill up to' behavior"),
+  } },
+  ({ budgetId, categoryId, name, note, categoryGroupId, goalTarget, goalTargetDate, goalNeedsWholeAmount }) =>
+    run(async () => {
+      const cat = {};
+      if (name !== undefined) cat.name = name;
+      if (note !== undefined) cat.note = note;
+      if (categoryGroupId !== undefined) cat.category_group_id = categoryGroupId;
+      if (goalTarget !== undefined) cat.goal_target = goalTarget != null ? milliunits(goalTarget) : null;
+      if (goalTargetDate !== undefined) cat.goal_target_date = goalTargetDate;
+      if (goalNeedsWholeAmount !== undefined) cat.goal_needs_whole_amount = goalNeedsWholeAmount;
+
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/categories/${categoryId}`, {
+        method: "PATCH",
+        body: { category: cat },
+      });
+      return ok(formatCategory(data.category));
+    })
+);
+
+server.registerTool(
+  "create_category",
+  { description: "Create a new category in a category group", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    categoryGroupId: z.string().describe("Category group ID to create the category in"),
+    name: z.string().describe("Category name"),
+    note: z.string().optional().describe("Category note"),
+    goalTarget: z.number().optional().describe("Goal target amount in dollars (creates a 'Needed for Spending' goal)"),
+    goalTargetDate: z.string().optional().describe("Goal target date in ISO format (e.g. 2026-12-01)"),
+    goalNeedsWholeAmount: z.boolean().optional().describe("For NEED goals, true uses 'Set aside another' behavior and false uses 'Refill up to' behavior"),
+  } },
+  ({ budgetId, categoryGroupId, name, note, goalTarget, goalTargetDate, goalNeedsWholeAmount }) =>
+    run(async () => {
+      const bid = resolveBudgetId(budgetId);
+      const cat = { category_group_id: categoryGroupId, name };
+      if (note !== undefined) cat.note = note;
+      if (goalTarget !== undefined) cat.goal_target = milliunits(goalTarget);
+      if (goalTargetDate !== undefined) cat.goal_target_date = goalTargetDate;
+      if (goalNeedsWholeAmount !== undefined) cat.goal_needs_whole_amount = goalNeedsWholeAmount;
+      const data = await ynabFetch(`/plans/${bid}/categories`, {
+        method: "POST",
+        body: { category: cat },
+      });
+      return ok(formatCategory(data.category));
+    })
+);
+
+server.registerTool(
+  "create_category_group",
+  { description: "Create a new category group", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    name: z.string().describe("Category group name (max 50 characters)"),
+  } },
+  ({ budgetId, name }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/category_groups`, {
+        method: "POST",
+        body: { category_group: { name } },
+      });
+      return ok(data.category_group);
+    })
+);
+
+server.registerTool(
+  "update_category_group",
+  { description: "Rename a category group", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    categoryGroupId: z.string().describe("Category group ID"),
+    name: z.string().describe("New category group name (max 50 characters)"),
+  } },
+  ({ budgetId, categoryGroupId, name }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/category_groups/${categoryGroupId}`, {
+        method: "PATCH",
+        body: { category_group: { name } },
+      });
+      return ok(data.category_group);
+    })
+);
+
+// ==================== Payees ====================
+
+server.registerTool(
+  "list_payees",
+  { description: "List all payees", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { payees, server_knowledge }."),
+  } },
+  ({ budgetId, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const { data } = await api.payees.getPayees(resolveBudgetId(budgetId), lastKnowledgeOfServer);
+      const payees = data.payees.map((p) => ({ id: p.id, name: p.name, transfer_account_id: p.transfer_account_id, deleted: p.deleted }));
+      return ok(collection(data, "payees", payees, lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_payee",
+  { description: "Get a specific payee", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    payeeId: z.string().describe("Payee ID"),
+  } },
+  ({ budgetId, payeeId }) =>
+    run(async () => {
+      const { data } = await api.payees.getPayeeById(resolveBudgetId(budgetId), payeeId);
+      return ok(data.payee);
+    })
+);
+
+server.registerTool(
+  "update_payee",
+  { description: "Rename a payee", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    payeeId: z.string().describe("Payee ID"),
+    name: z.string().describe("New payee name"),
+  } },
+  ({ budgetId, payeeId, name }) =>
+    run(async () => {
+      const { data } = await api.payees.updatePayee(resolveBudgetId(budgetId), payeeId, {
+        payee: { name },
+      });
+      return ok(data.payee);
+    })
+);
+
+server.registerTool(
+  "create_payee",
+  { description: "Create a new payee", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    name: z.string().max(500).describe("Payee name (max 500 characters)"),
+  } },
+  ({ budgetId, name }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/payees`, {
+        method: "POST",
+        body: { payee: { name } },
+      });
+      return ok(data.payee);
+    })
+);
+
+// ==================== Payee Locations ====================
+
+server.registerTool(
+  "list_payee_locations",
+  { description: "List all payee locations (GPS coordinates where transactions occurred)", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const { data } = await api.payeeLocations.getPayeeLocations(resolveBudgetId(budgetId));
+      return ok(data.payee_locations);
+    })
+);
+
+server.registerTool(
+  "get_payee_location",
+  { description: "Get a specific payee location", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    payeeLocationId: z.string().describe("Payee location ID"),
+  } },
+  ({ budgetId, payeeLocationId }) =>
+    run(async () => {
+      const { data } = await api.payeeLocations.getPayeeLocationById(resolveBudgetId(budgetId), payeeLocationId);
+      return ok(data.payee_location);
+    })
+);
+
+server.registerTool(
+  "get_payee_locations_by_payee",
+  { description: "Get all locations for a specific payee", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    payeeId: z.string().describe("Payee ID"),
+  } },
+  ({ budgetId, payeeId }) =>
+    run(async () => {
+      const { data } = await api.payeeLocations.getPayeeLocationsByPayee(resolveBudgetId(budgetId), payeeId);
+      return ok(data.payee_locations);
+    })
+);
+
+// ==================== Months ====================
+
+server.registerTool(
+  "list_months",
+  { description: "List all budget months", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { months, server_knowledge }."),
+  } },
+  ({ budgetId, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const { data } = await api.months.getBudgetMonths(resolveBudgetId(budgetId), lastKnowledgeOfServer);
+      const months = data.months.map((m) =>
+          withCurrencyFields(
+            {
+              month: m.month,
+              note: m.note,
+              income: dollars(m.income),
+              budgeted: dollars(m.budgeted),
+              activity: dollars(m.activity),
+              to_be_budgeted: dollars(m.to_be_budgeted),
+              age_of_money: m.age_of_money,
+              deleted: m.deleted,
+            },
+            m,
+            ["income", "budgeted", "activity", "to_be_budgeted"]
+          )
+        );
+      return ok(collection(data, "months", months, lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_month",
+  { description: "Get budget month detail with per-category breakdown", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    month: z.string().describe("Month in YYYY-MM-DD format (first of month)"),
+  } },
+  ({ budgetId, month }) =>
+    run(async () => {
+      const { data } = await api.months.getBudgetMonth(resolveBudgetId(budgetId), month);
+      const m = data.month;
+      const out = {
+        month: m.month,
+        note: m.note,
+        income: dollars(m.income),
+        budgeted: dollars(m.budgeted),
+        activity: dollars(m.activity),
+        to_be_budgeted: dollars(m.to_be_budgeted),
+        age_of_money: m.age_of_money,
+        deleted: m.deleted,
+        categories: m.categories?.map((c) =>
+          withCurrencyFields(
+            {
+              id: c.id,
+              name: c.name,
+              hidden: c.hidden,
+              category_group_name: c.category_group_name,
+              budgeted: dollars(c.budgeted),
+              activity: dollars(c.activity),
+              balance: dollars(c.balance),
+              goal_type: c.goal_type,
+              goal_needs_whole_amount: c.goal_needs_whole_amount,
+              goal_target: dollars(c.goal_target),
+              goal_target_month: c.goal_target_month,
+              goal_target_date: c.goal_target_date,
+              goal_under_funded: dollars(c.goal_under_funded),
+              goal_snoozed_at: c.goal_snoozed_at,
+              deleted: c.deleted,
+            },
+            c,
+            ["budgeted", "activity", "balance", "goal_target", "goal_under_funded"]
+          )
+        ),
+      };
+      return ok(withCurrencyFields(out, m, ["income", "budgeted", "activity", "to_be_budgeted"]));
+    })
+);
+
+// ==================== Money Movements ====================
+
+function formatMoneyMovement(m) {
+  return withCurrencyFields({
+    id: m.id,
+    month: m.month,
+    moved_at: m.moved_at,
+    note: m.note,
+    money_movement_group_id: m.money_movement_group_id,
+    performed_by_user_id: m.performed_by_user_id,
+    from_category_id: m.from_category_id,
+    to_category_id: m.to_category_id,
+    amount: dollars(m.amount),
+    deleted: m.deleted,
+  }, m, ["amount"]);
+}
+
+server.registerTool(
+  "list_money_movements",
+  { description: "List all money movements (budget re-allocations between categories)", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/money_movements`);
+      return ok(data.money_movements.map(formatMoneyMovement));
+    })
+);
+
+server.registerTool(
+  "get_money_movements_by_month",
+  { description: "Get money movements for a specific month", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    month: z.string().describe("Month in YYYY-MM-DD format (first of month), or 'current'"),
+  } },
+  ({ budgetId, month }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/months/${month}/money_movements`);
+      return ok(data.money_movements.map(formatMoneyMovement));
+    })
+);
+
+server.registerTool(
+  "list_money_movement_groups",
+  { description: "List all money movement groups (batches of related money movements)", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/money_movement_groups`);
+      return ok(data.money_movement_groups);
+    })
+);
+
+server.registerTool(
+  "get_money_movement_groups_by_month",
+  { description: "Get money movement groups for a specific month", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    month: z.string().describe("Month in YYYY-MM-DD format (first of month), or 'current'"),
+  } },
+  ({ budgetId, month }) =>
+    run(async () => {
+      const data = await ynabFetch(`/plans/${resolveBudgetId(budgetId)}/months/${month}/money_movement_groups`);
+      return ok(data.money_movement_groups);
+    })
+);
+
+// ==================== Transactions ====================
+
+function formatTransaction(t) {
+  const out = {
+    id: t.id,
+    date: t.date,
+    amount: dollars(t.amount),
+    memo: t.memo ?? null,
+    cleared: t.cleared,
+    approved: t.approved,
+    flag_color: t.flag_color ?? null,
+    flag_name: t.flag_name ?? null,
+    account_id: t.account_id,
+    account_name: t.account_name,
+    payee_id: t.payee_id ?? null,
+    payee_name: t.payee_name ?? null,
+    category_id: t.category_id ?? null,
+    category_name: t.category_name ?? null,
+    transfer_account_id: t.transfer_account_id ?? null,
+    transfer_transaction_id: t.transfer_transaction_id ?? null,
+    matched_transaction_id: t.matched_transaction_id ?? null,
+    import_id: t.import_id ?? null,
+    import_payee_name: t.import_payee_name ?? null,
+    import_payee_name_original: t.import_payee_name_original ?? null,
+    debt_transaction_type: t.debt_transaction_type ?? null,
+    deleted: t.deleted,
+    subtransactions: t.subtransactions?.map((s) =>
+      withCurrencyFields(
+        {
+          id: s.id,
+          transaction_id: s.transaction_id,
+          amount: dollars(s.amount),
+          memo: s.memo ?? null,
+          payee_id: s.payee_id ?? null,
+          payee_name: s.payee_name ?? null,
+          category_id: s.category_id ?? null,
+          category_name: s.category_name ?? null,
+          transfer_account_id: s.transfer_account_id ?? null,
+          transfer_transaction_id: s.transfer_transaction_id ?? null,
+          deleted: s.deleted,
+        },
+        s,
+        ["amount"]
+      )
+    ),
+  };
+  return withCurrencyFields(out, t, ["amount"]);
+}
+
+server.registerTool(
+  "get_transactions",
+  { description: "Get transactions with optional filters. Use type='unapproved' or type='uncategorized' to filter. Optionally filter by account, category, payee, or month.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    sinceDate: z.string().optional().describe("Only return transactions on or after this date (YYYY-MM-DD)"),
+    type: z.enum(["unapproved", "uncategorized"]).optional().describe("Filter by approval/categorization status"),
+    accountId: z.string().optional().describe("Filter by account ID"),
+    categoryId: z.string().optional().describe("Filter by category ID"),
+    payeeId: z.string().optional().describe("Filter by payee ID"),
+    month: z.string().optional().describe("Filter by month (YYYY-MM-DD, first of month)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { transactions, server_knowledge }."),
+  } },
+  ({ budgetId, sinceDate, type, accountId, categoryId, payeeId, month, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const bid = resolveBudgetId(budgetId);
+      let transactions;
+      let data;
+      const resourceFilters = [accountId, categoryId, payeeId, month].filter((value) => value !== undefined && value !== null && value !== "");
+      if (resourceFilters.length > 1) {
+        throw new Error("Provide only one of accountId, categoryId, payeeId, or month.");
+      }
+
+      if (accountId) {
+        ({ data } = await api.transactions.getTransactionsByAccount(bid, accountId, sinceDate, type, lastKnowledgeOfServer));
+        transactions = data.transactions;
+      } else if (categoryId) {
+        ({ data } = await api.transactions.getTransactionsByCategory(bid, categoryId, sinceDate, type, lastKnowledgeOfServer));
+        transactions = data.transactions;
+      } else if (payeeId) {
+        ({ data } = await api.transactions.getTransactionsByPayee(bid, payeeId, sinceDate, type, lastKnowledgeOfServer));
+        transactions = data.transactions;
+      } else if (month) {
+        ({ data } = await api.transactions.getTransactionsByMonth(bid, month, sinceDate, type, lastKnowledgeOfServer));
+        transactions = data.transactions;
+      } else {
+        ({ data } = await api.transactions.getTransactions(bid, sinceDate, type, lastKnowledgeOfServer));
+        transactions = data.transactions;
+      }
+
+      return ok(collection(data, "transactions", transactions.map(formatTransaction), lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_transaction",
+  { description: "Get a single transaction by ID", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    transactionId: z.string().describe("Transaction ID"),
+  } },
+  ({ budgetId, transactionId }) =>
+    run(async () => {
+      const { data } = await api.transactions.getTransactionById(resolveBudgetId(budgetId), transactionId);
+      return ok(formatTransaction(data.transaction));
+    })
+);
+
+server.registerTool(
+  "create_transaction",
+  { description: "Create a new transaction. Amounts are in dollars (positive for inflows, negative for outflows). Note: future-dated transactions cannot be created here - use create_scheduled_transaction instead.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    accountId: z.string().describe("Account ID"),
+    date: z.string().describe("Transaction date (YYYY-MM-DD)"),
+    amount: z.number().describe("Amount in dollars (negative for outflows, positive for inflows)"),
+    payeeId: z.string().optional().describe("Payee ID"),
+    payeeName: z.string().optional().describe("Payee name (creates new payee if no payeeId)"),
+    categoryId: z.string().optional().describe("Category ID"),
+    memo: z.string().optional().describe("Transaction memo"),
+    cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
+    approved: z.boolean().optional().describe("Whether transaction is approved"),
+    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
+    importId: z.string().optional().describe("Unique import ID for deduplication (max 36 chars). If omitted and the transaction is later imported, duplicates may be created."),
+    subtransactions: z.array(z.object({
+      amount: z.number().describe("Subtransaction amount in dollars"),
+      categoryId: z.string().optional().describe("Category ID"),
+      payeeId: z.string().optional().describe("Payee ID"),
+      payeeName: z.string().optional().describe("Payee name"),
+      memo: z.string().optional().describe("Memo"),
+    })).optional().describe("Split transaction into subtransactions. The subtransaction amounts must sum to the total transaction amount."),
+  } },
+  ({ budgetId, ...txnFields }) =>
+    run(async () => {
+      const { data } = await api.transactions.createTransaction(resolveBudgetId(budgetId), {
+        transaction: mapTransactionInput(txnFields),
+      });
+      return ok(formatTransaction(data.transaction));
+    })
+);
+
+server.registerTool(
+  "create_transactions",
+  { description: "Create multiple transactions at once. Amounts are in dollars. Returns created transactions and any duplicate import IDs. Future-dated transactions are not supported - use create_scheduled_transaction instead.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    transactions: z.array(z.object({
+      accountId: z.string().describe("Account ID"),
+      date: z.string().describe("Transaction date (YYYY-MM-DD)"),
+      amount: z.number().describe("Amount in dollars (negative for outflows, positive for inflows)"),
+      payeeId: z.string().optional().describe("Payee ID"),
+      payeeName: z.string().optional().describe("Payee name (creates new payee if no payeeId)"),
+      categoryId: z.string().optional().describe("Category ID"),
+      memo: z.string().optional().describe("Transaction memo"),
+      cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
+      approved: z.boolean().optional().describe("Whether transaction is approved"),
+      flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
+      importId: z.string().optional().describe("Unique import ID for deduplication (max 36 chars)"),
+      subtransactions: z.array(z.object({
+        amount: z.number().describe("Subtransaction amount in dollars"),
+        categoryId: z.string().optional().describe("Category ID"),
+        payeeId: z.string().optional().describe("Payee ID"),
+        payeeName: z.string().optional().describe("Payee name"),
+        memo: z.string().optional().describe("Memo"),
+      })).optional().describe("Split transaction into subtransactions"),
+    })).describe("Array of transactions to create"),
+  } },
+  ({ budgetId, transactions: txns }) =>
+    run(async () => {
+      const { data } = await api.transactions.createTransactions(resolveBudgetId(budgetId), {
+        transactions: txns.map(mapTransactionInput),
+      });
+      return ok({
+        created: data.transactions?.map(formatTransaction),
+        duplicate_import_ids: data.duplicate_import_ids,
+      });
+    })
+);
+
+server.registerTool(
+  "update_transaction",
+  { description: "Update an existing transaction. Only provided fields are changed. Amounts in dollars.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    transactionId: z.string().describe("Transaction ID"),
+    accountId: z.string().optional().describe("Account ID"),
+    date: z.string().optional().describe("Transaction date (YYYY-MM-DD)"),
+    amount: z.number().optional().describe("Amount in dollars"),
+    payeeId: z.string().nullable().optional().describe("Payee ID (null to remove)"),
+    payeeName: z.string().nullable().optional().describe("Payee name (null to clear)"),
+    categoryId: z.string().nullable().optional().describe("Category ID (null to uncategorize)"),
+    memo: z.string().nullable().optional().describe("Transaction memo (null to clear)"),
+    cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
+    approved: z.boolean().optional().describe("Whether transaction is approved"),
+    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color (null to remove)"),
+  } },
+  ({ budgetId, transactionId, accountId, date, amount, payeeId, payeeName, categoryId, memo, cleared, approved, flagColor }) =>
+    run(async () => {
+      const { data } = await api.transactions.updateTransaction(resolveBudgetId(budgetId), transactionId, {
+        transaction: mapTransactionUpdate({ accountId, date, amount, payeeId, payeeName, categoryId, memo, cleared, approved, flagColor }),
+      });
+      return ok(formatTransaction(data.transaction));
+    })
+);
+
+server.registerTool(
+  "delete_transaction",
+  { description: "Delete a transaction", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    transactionId: z.string().describe("Transaction ID"),
+  } },
+  ({ budgetId, transactionId }) =>
+    run(async () => {
+      const { data } = await api.transactions.deleteTransaction(resolveBudgetId(budgetId), transactionId);
+      return ok(formatTransaction(data.transaction));
+    })
+);
+
+server.registerTool(
+  "update_transactions",
+  { description: "Batch update multiple transactions. Each transaction object must include its id and the fields to update.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    transactions: z
+      .array(
+        z.object({
+          id: z.string().describe("Transaction ID"),
+          accountId: z.string().optional().describe("Account ID"),
+          date: z.string().optional().describe("Transaction date (YYYY-MM-DD)"),
+          amount: z.number().optional().describe("Amount in dollars"),
+          payeeId: z.string().nullable().optional().describe("Payee ID (null to remove)"),
+          payeeName: z.string().nullable().optional().describe("Payee name (null to clear)"),
+          categoryId: z.string().nullable().optional().describe("Category ID (null to uncategorize)"),
+          memo: z.string().nullable().optional().describe("Transaction memo (null to clear)"),
+          cleared: z.enum(["cleared", "uncleared", "reconciled"]).optional().describe("Cleared status"),
+          approved: z.boolean().optional().describe("Whether transaction is approved"),
+          flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color (null to remove)"),
+        })
+      )
+      .describe("Array of transaction updates"),
+  } },
+  ({ budgetId, transactions: txns }) =>
+    run(async () => {
+      const mapped = txns.map((t) => ({ id: t.id, ...mapTransactionUpdate(t) }));
+      const { data } = await api.transactions.updateTransactions(resolveBudgetId(budgetId), {
+        transactions: mapped,
+      });
+      return ok({
+        updated: data.transactions?.map(formatTransaction),
+        duplicate_import_ids: data.duplicate_import_ids,
+      });
+    })
+);
+
+server.registerTool(
+  "import_transactions",
+  { description: "Trigger import of linked account transactions", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const { data } = await api.transactions.importTransactions(resolveBudgetId(budgetId));
+      return ok(data);
+    })
+);
+
+// ==================== Scheduled Transactions ====================
+
+function formatScheduledTransaction(t) {
+  const out = {
+    id: t.id,
+    date_first: t.date_first,
+    date_next: t.date_next,
+    frequency: t.frequency,
+    amount: dollars(t.amount),
+    memo: t.memo ?? null,
+    flag_color: t.flag_color ?? null,
+    flag_name: t.flag_name ?? null,
+    account_id: t.account_id,
+    account_name: t.account_name,
+    payee_id: t.payee_id ?? null,
+    payee_name: t.payee_name ?? null,
+    category_id: t.category_id ?? null,
+    category_name: t.category_name ?? null,
+    transfer_account_id: t.transfer_account_id ?? null,
+    deleted: t.deleted,
+    subtransactions: t.subtransactions?.map((s) =>
+      withCurrencyFields(
+        {
+          id: s.id,
+          scheduled_transaction_id: s.scheduled_transaction_id,
+          amount: dollars(s.amount),
+          memo: s.memo ?? null,
+          payee_id: s.payee_id ?? null,
+          payee_name: s.payee_name ?? null,
+          category_id: s.category_id ?? null,
+          category_name: s.category_name ?? null,
+          transfer_account_id: s.transfer_account_id ?? null,
+          deleted: s.deleted,
+        },
+        s,
+        ["amount"]
+      )
+    ),
+  };
+  return withCurrencyFields(out, t, ["amount"]);
+}
+
+server.registerTool(
+  "list_scheduled_transactions",
+  { description: "List all scheduled (recurring) transactions", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    lastKnowledgeOfServer: z.number().int().nonnegative().optional().describe("Delta request server knowledge. When provided, returns { scheduled_transactions, server_knowledge }."),
+  } },
+  ({ budgetId, lastKnowledgeOfServer }) =>
+    run(async () => {
+      const { data } = await api.scheduledTransactions.getScheduledTransactions(resolveBudgetId(budgetId), lastKnowledgeOfServer);
+      const scheduledTransactions = data.scheduled_transactions.map(formatScheduledTransaction);
+      return ok(collection(data, "scheduled_transactions", scheduledTransactions, lastKnowledgeOfServer));
+    })
+);
+
+server.registerTool(
+  "get_scheduled_transaction",
+  { description: "Get a specific scheduled transaction", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
+  } },
+  ({ budgetId, scheduledTransactionId }) =>
+    run(async () => {
+      const { data } = await api.scheduledTransactions.getScheduledTransactionById(resolveBudgetId(budgetId), scheduledTransactionId);
+      return ok(formatScheduledTransaction(data.scheduled_transaction));
+    })
+);
+
+server.registerTool(
+  "create_scheduled_transaction",
+  { description: "Create a new scheduled (recurring) transaction", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    accountId: z.string().describe("Account ID"),
+    dateFirst: z.string().describe("First occurrence date (YYYY-MM-DD)"),
+    frequency: z.enum(["never", "daily", "weekly", "everyOtherWeek", "twiceAMonth", "every4Weeks", "monthly", "everyOtherMonth", "every3Months", "every4Months", "twiceAYear", "yearly", "everyOtherYear"]).describe("Recurrence frequency"),
+    amount: z.number().describe("Amount in dollars (negative for outflows)"),
+    payeeId: z.string().optional().describe("Payee ID"),
+    payeeName: z.string().optional().describe("Payee name"),
+    categoryId: z.string().optional().describe("Category ID"),
+    memo: z.string().optional().describe("Memo"),
+    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).optional().describe("Flag color"),
+  } },
+  ({ budgetId, accountId, dateFirst, frequency, amount, payeeId, payeeName, categoryId, memo, flagColor }) =>
+    run(async () => {
+      const { data } = await api.scheduledTransactions.createScheduledTransaction(resolveBudgetId(budgetId), {
+        scheduled_transaction: {
+          account_id: accountId,
+          date: dateFirst,
+          frequency,
+          amount: milliunits(amount),
+          payee_id: payeeId,
+          payee_name: payeeName,
+          category_id: categoryId,
+          memo,
+          flag_color: flagColor,
+        },
+      });
+      return ok(formatScheduledTransaction(data.scheduled_transaction));
+    })
+);
+
+server.registerTool(
+  "update_scheduled_transaction",
+  { description: "Update an existing scheduled transaction. Only provided fields are changed. Amounts in dollars.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
+    accountId: z.string().optional().describe("Account ID"),
+    date: z.string().optional().describe("Next occurrence date (YYYY-MM-DD)"),
+    frequency: z.enum(["never", "daily", "weekly", "everyOtherWeek", "twiceAMonth", "every4Weeks", "monthly", "everyOtherMonth", "every3Months", "every4Months", "twiceAYear", "yearly", "everyOtherYear"]).optional().describe("Recurrence frequency"),
+    amount: z.number().optional().describe("Amount in dollars (negative for outflows)"),
+    payeeId: z.string().nullable().optional().describe("Payee ID"),
+    payeeName: z.string().nullable().optional().describe("Payee name"),
+    categoryId: z.string().nullable().optional().describe("Category ID"),
+    memo: z.string().nullable().optional().describe("Memo"),
+    flagColor: z.enum(["red", "orange", "yellow", "green", "blue", "purple"]).nullable().optional().describe("Flag color"),
+  } },
+  ({ budgetId, scheduledTransactionId, accountId, date, frequency, amount, payeeId, payeeName, categoryId, memo, flagColor }) =>
+    run(async () => {
+      const bid = resolveBudgetId(budgetId);
+      // PUT replaces the full resource - fetch current values to merge with updates
+      const { data: current } = await api.scheduledTransactions.getScheduledTransactionById(bid, scheduledTransactionId);
+      const existing = current.scheduled_transaction;
+
+      const st = {
+        account_id: accountId ?? existing.account_id,
+        date: date ?? existing.date_next,
+        frequency: frequency ?? existing.frequency,
+        amount: amount !== undefined ? milliunits(amount) : existing.amount,
+        payee_id: payeeId !== undefined ? payeeId : existing.payee_id,
+        payee_name: payeeName !== undefined ? payeeName : existing.payee_name,
+        category_id: categoryId !== undefined ? categoryId : existing.category_id,
+        memo: memo !== undefined ? memo : existing.memo,
+        flag_color: flagColor !== undefined ? flagColor : existing.flag_color,
+      };
+
+      const { data } = await api.scheduledTransactions.updateScheduledTransaction(
+        bid,
+        scheduledTransactionId,
+        { scheduled_transaction: st }
+      );
+      return ok(formatScheduledTransaction(data.scheduled_transaction));
+    })
+);
+
+server.registerTool(
+  "delete_scheduled_transaction",
+  { description: "Delete a scheduled transaction", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    scheduledTransactionId: z.string().describe("Scheduled transaction ID"),
+  } },
+  ({ budgetId, scheduledTransactionId }) =>
+    run(async () => {
+      const { data } = await api.scheduledTransactions.deleteScheduledTransaction(resolveBudgetId(budgetId), scheduledTransactionId);
+      return ok(formatScheduledTransaction(data.scheduled_transaction));
+    })
+);
+
+// ==================== Convenience Tools ====================
+
+server.registerTool(
+  "search_categories",
+  { description: "Search categories by partial name match (case-insensitive). Useful for finding category IDs when you only know part of the name.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    query: z.string().describe("Partial category name to search for (e.g. 'work' matches '💻 Work Expenses (Oliver LLC)')"),
+  } },
+  ({ budgetId, query }) =>
+    run(async () => {
+      const { data } = await api.categories.getCategories(resolveBudgetId(budgetId));
+      const q = query.toLowerCase();
+      const matches = [];
+      for (const g of data.category_groups) {
+        if (g.hidden) continue;
+        for (const c of g.categories) {
+          if (c.hidden) continue;
+          if (c.name.toLowerCase().includes(q)) {
+            matches.push(withCurrencyFields({
+              id: c.id,
+              name: c.name,
+              group: g.name,
+              budgeted: dollars(c.budgeted),
+              activity: dollars(c.activity),
+              balance: dollars(c.balance),
+            }, c, ["budgeted", "activity", "balance"]));
+          }
+        }
+      }
+      if (matches.length === 0) return ok({ message: `No categories matching "${query}"`, suggestions: "Try a shorter search term" });
+      return ok(matches);
+    })
+);
+
+server.registerTool(
+  "search_payees",
+  { description: "Search payees by partial name match (case-insensitive). Useful for finding payee IDs.", inputSchema: {
+    budgetId: z.string().optional().describe("Budget ID (uses default if not provided)"),
+    query: z.string().describe("Partial payee name to search for"),
+  } },
+  ({ budgetId, query }) =>
+    run(async () => {
+      const { data } = await api.payees.getPayees(resolveBudgetId(budgetId));
+      const q = query.toLowerCase();
+      const matches = data.payees
+        .filter((p) => p.name.toLowerCase().includes(q))
+        .map((p) => ({ id: p.id, name: p.name, transfer_account_id: p.transfer_account_id, deleted: p.deleted }));
+      if (matches.length === 0) return ok({ message: `No payees matching "${query}"` });
+      return ok(matches);
+    })
+);
+
+server.registerTool(
+  "review_unapproved",
+  { description: "Get all unapproved transactions grouped by status: those already categorized (ready to approve) and those still uncategorized (need category first). Never approve uncategorized transactions without explicit user instruction.", inputSchema: { budgetId: z.string().optional().describe("Budget ID (uses default if not provided)") } },
+  ({ budgetId }) =>
+    run(async () => {
+      const { data } = await api.transactions.getTransactions(resolveBudgetId(budgetId), undefined, "unapproved");
+      const txns = data.transactions.map(formatTransaction);
+      const isCategorized = (t) => (t.category_id && t.category_name !== "Uncategorized")
+        || (t.subtransactions && t.subtransactions.length > 0) // split transactions are categorized via subtransactions
+        || t.transfer_account_id; // transfers don't need categories
+      const categorized = [], uncategorized = [];
+      for (const t of txns) (isCategorized(t) ? categorized : uncategorized).push(t);
+      return ok({
+        total: txns.length,
+        ready_to_approve: {
+          count: categorized.length,
+          transactions: categorized,
+        },
+        needs_category_first: {
+          count: uncategorized.length,
+          warning: "Do NOT approve these without assigning a category first",
+          transactions: uncategorized,
+        },
+      });
+    })
+);
+
+// --- Start ---
+
+process.on("uncaughtException", (err) => {
+  console.error("Uncaught exception:", err);
+  process.exit(1);
+});
+
+const transport = new StdioServerTransport();
+await server.connect(transport);