ynab

ynab-go

This is a You Need a Budget client but it's incomplete. Right now the only supported endpoints are the ones necessary to do the Age of Money calculation.

Age of Money

This command will print out more information about how old your money is.

Download the ynab-age-of-money binary, following the instructions here: https://go.equinox.io/github.com/kevinburke/ynab-go/ynab-age-of-money

Set YNAB_TOKEN to your API token in your environment. You can find your token on the Settings page: https://app.youneedabudget.com/settings

Finally, run the binary:

ynab-age-of-money --budget='Personal Budget'

The output will look something like this:

 70 earned: 2019-02-07 spent: 2019-04-18     $25.00 Cash Exxon Mobil
 71 earned: 2019-02-07 spent: 2019-04-19      $3.00 Cash Shaska Cafe
 71 earned: 2019-02-07 spent: 2019-04-19      $2.00 Cash Shaska Cafe
 72 earned: 2019-02-07 spent: 2019-04-20      $4.00 Cash Aces
 75 earned: 2019-02-07 spent: 2019-04-23      $6.00 Cash Corner Store
 75 earned: 2019-02-07 spent: 2019-04-23      $3.00 Cash Lava Java
 76 earned: 2019-02-07 spent: 2019-04-24    $123.45 Shared Checking Transfer : Credit Card 1
 76 earned: 2019-02-07 spent: 2019-04-24    $456.78 Shared Checking Transfer : Credit Card 2
 77 earned: 2019-02-07 spent: 2019-04-25      $3.00 Cash Lava Java
 77 earned: 2019-02-07 spent: 2019-04-25      $2.00 Cash Corner Store

upcoming spending thresholds (and age if you spent today):
 78 2019-02-07   $1000.00 Personal Checking Employer 1
 74 2019-02-11   $2000.00 Shared Checking Employer 2
 73 2019-02-12   $2020.00 Personal Checking Venmo
 71 2019-02-14   $3020.00 Shared Checking Employer 2
 66 2019-02-19   $3060.00 Cash Laura Cash
 60 2019-02-25   $3065.00 Shared Checking Bank Interest
 60 2019-02-25   $3070.00 Personal Checking Bank Interest

The number in the far left hand column is the age of money, in days, for each transaction. The thresholds show the upcoming age of money when you spend it.

The flags are:

  -budget-name string
    	Name of the budget to compute AOM for
  -debug
    	Enable debug
  -file string
    	Filename to read txns from

You will need to specify --budget-name if you have more than one budget. --debug provides more information about all of the buckets you have as well as all of the accounts you have. --file is useful if you are making a lot of requests - save the JSON transaction data to a file and load it from there.

Errata

YNAB uses a weighted average to calculate age of money for a single transaction if it spans multiple buckets. I choose the date of the bucket the last penny was taken out of, so the numbers may be slightly lower here than in your dashboard.

YNAB averages the last ten transactions to get the Age of Money. I print accurate results for each transaction in your account.

Largest Inputs and Outputs

The ynab-largest-inputs-outputs command finds the largest inputs and outputs to your Net Worth, optionally filtered by a month argument. Any income or outflows that come into either your budget accounts or your tracking accounts will appear here. One exception is that credit card spending is accounted at the time of payment, not at the time the money is spent.

Pass the --month flag to filter by a given month. The flag accepts arguments in the form of 'Jan 2006', e.g. --month='Aug 2019'.

Disclaimer

I spot checked the results against my account, and they appeared to be accurate. They may not be correct for your account. This software is provided "as is" and I am not liable for any claim or damages arising from how you use this library.

License

MIT

Support

You can hire me: https://burke.services

I maintain this software in my free time. Donations free up time to make improvements to the library, and respond to bug reports. You can send donations via Paypal's "Send Money" feature to kev@inburke.com. Donations are not tax deductible in the USA.