Auto-Categorize YNAB Transactions with GPT-4o Mini & Discord
Automates YNAB transaction categorization using GPT-4o Mini AI, tags changes for review, and sends Discord notifications for modified transactions.
This workflow supercharges YNAB budgeting by automatically categorizing uncategorized transactions from the last 30 days using GPT-4o Mini. It fetches transactions via the YNAB API, identifies those without categories, and leverages AI to intelligently assign appropriate categories and subcategories based on transaction details like payee, amount, and memo.
All modified transactions are tagged with 'n8n' in yellow for easy review in YNAB. Benefits include massive time savings on manual categorization, improved budget accuracy, and reduced errors from rule-based systems. It's ideal for users with high transaction volumes, freelancers, or anyone seeking smarter personal finance automation.
Optional Discord integration posts a summary of changes, including before/after categories, making it perfect for monitoring automation results. Setup requires YNAB API key, budget/account IDs, and OpenAI/Discord credentials. Note API limits (200 calls/hour) and adjust days as needed for large backlogs.
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How to import this workflow into n8n
- 1Purchase or download the workflow to get the n8n workflow JSON file.
- 2In your n8n instance, open Workflows and choose "Import from File" (or paste the JSON with Ctrl+V on the canvas).
- 3Open each node marked with a credential warning and connect your own accounts and API keys.
- 4Run the workflow once manually to verify the data flow, then toggle it to Active.
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