Accounting Integration
Best AI Assistant for YNAB
Carly connects to YNAB with your personal access token so you can log spending by text, check what's left in a category, move money when you overspend, and get a weekly budget check-in, across every YNAB account you use.
Try Carly →What Carly can do with YNAB
Log spending by text
Text Carly the amount and payee and she adds the transaction with the right category.
Check before you buy
Ask what's left in any category and get the answer in seconds.
Roll with the punches
Tell Carly to move money between categories and she updates the assigned amounts.
Receipts into YNAB
Order confirmations and receipts in your inbox become YNAB transactions automatically.
Why YNAB users add an assistant
YNAB works when every dollar has a job and every transaction is current. The habit is the hard part: opening the app after each purchase, checking a category before you buy, rolling with the punches when you overspend. Fall behind for a week and the budget stops telling the truth.
An assistant for YNAB should make the habit take seconds and bring the budget to you before you make a decision.
How Carly works with YNAB
Connect YNAB to Carly with a personal access token. Carly can read your plans, accounts, categories, payees and months, create, update and delete transactions, set scheduled transactions, and change how much is assigned to a category.
Ask by text: "$64 Costco groceries, joint account." "How much is left in Dining Out?" "Move $80 from Clothing to Car Repairs." Or set up workflows. When an order confirmation or receipt lands in your Gmail, Carly logs it in YNAB with the right payee and category. Every Sunday, you get a check-in: what's overspent, what's left, and what's due this week. When a category goes negative, Carly texts you and suggests where to cover it from.
Because Carly reads your inbox, receipts and subscriptions show up in YNAB before the bank import does.
Who uses Carly with YNAB
YNABers who believe in the method and struggle with the daily habit. Couples sharing a budget. Freelancers and small business owners who keep a business YNAB next to their personal one.
See it in action
How to connect YNAB to Carly
Create a YNAB personal access token
In YNAB, open Account Settings, then Developer Settings, and click New Token under Personal Access Tokens. Copy it. YNAB shows it once.
Paste it into Carly
In Carly, open Integrations, find YNAB, click Connect and paste the token. Repeat for any other YNAB account.
Start giving instructions
Email, text or chat Carly what you need done in YNAB, or describe a workflow, like logging receipts from your inbox, and she sets it up.
Frequently asked questions
What is the best AI tool for YNAB?
Carly connects to YNAB and logs transactions by text, checks category balances, moves money between categories and sends weekly check-ins, and can log receipts from your inbox automatically.
How does Carly connect to YNAB?
With a personal access token from YNAB's Account Settings, then Developer Settings. Paste it into the YNAB card on Carly's Integrations page.
Can Carly move money between YNAB categories?
Yes. Carly changes how much is assigned to each category for the month, so covering overspending takes one message.
Can Carly work with more than one YNAB account?
Yes. Add a token for each account, such as personal and business, and Carly works across them.
Does Carly replace YNAB's bank import?
No. Carly adds transactions as they happen, from your texts and receipts, and YNAB's import still matches them when the bank catches up.
Ready to automate your busywork?
Carly schedules, researches, and briefs you—so you can focus on what matters.
See what people say
"Before Carly, I relied on a Calendly link, but the whole process felt impersonal and not very professional. Carly changed that by handling all the back-and-forth, so I'm no longer stuck in endless email threads trying to line up schedules.
Now Carly reaches out to candidates, shares my real-time availability, lets them pick a slot, then sends a Zoom link and drops it straight into my calendar. She sends reminders to both of us before each call, which has significantly reduced no-shows and last-minute confusion.
On top of scheduling, Carly acts like a full executive assistant, sending me my schedule the night before so I can prepare for each call. It reminds me of the old x.ai assistant, but Carly is noticeably smarter, faster, and better suited to my healthcare recruitment business."