Auto-Categorize YNAB Transactions with GPT-5-Mini and Discord Notifications

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Built by spencer owen spencer owen
Created on June 08, 2026

Description

YNAB Super Budget

Ever wish that Y.N.A.B was just a little smarter when auto-categorizing your transactions?

Now you can supercharge your YNAB budget with ChatGPT! No more manual categorization.

Setup
Get a YNAB Api Key
Get YNAB Budget ID & Account ID (They are part of the URL) https://app.ynab.com/BUDGETID/accounts/ACCOUNTID

Additional information

Every transaction that this workflow modifies will be tagged with n8n and color yellow. You can easily review all changes by selecting just that tag.

Customization

By default it pulls transactions from the last 30 days.
This workflow will post a message in a discord channel showing which transactions it modified and what categories it chose.

Discord notifications are optional.

Considerations
YNAB allows for 200 api calls per hour. If you have more than 200 Uncategorized transactions, consider reducing the previous_days value.

Nodes Used (5)

AI Agent
@n8n/n8n-nodes-langchain.agent
Discord
n8n-nodes-base.discord
HTTP Request
n8n-nodes-base.httpRequest
OpenAI Chat Model
@n8n/n8n-nodes-langchain.lmChatOpenAi
Structured Output Parser
@n8n/n8n-nodes-langchain.outputParserStructured