AI assistant for YNAB
Connect YNAB (You Need A Budget) so Joshu can check category balances, review transactions, and monitor monthly spending limits.
Then $95 a month with no token fees, no resets, and no caps.
What you can ask Joshu in YNAB
You: How much money is remaining in our marketing budget in YNAB?
Joshu inspects your active budget categories, calculates remaining available funds, and leaves a brief on your desk.
You: Add our fifty-dollar monthly software subscription to YNAB as a scheduled transaction.
Joshu drafts the scheduled transaction with payee, category, and repeat schedule, then adds it to YNAB once you approve.
You: Show our spending breakdown by category in YNAB for this month.
Joshu compiles monthly spending totals across categories, compares them to allocated targets, and stages the readout.
Category allocations, spending targets, and transaction reconciliation in YNAB connect directly to your daily financial discipline.
What Joshu does
Joshu keeps track of your YNAB budgets to ensure business and operational spending remains aligned with your monthly plan. It checks remaining category balances before purchases are made, matches emailed receipts to budget lines, and highlights categories approaching their monthly spending caps.
What you do
Connect your YNAB account using OAuth and select which budget files Joshu may inspect. Joshu asks you to approve each scheduled transaction or other change before it goes into YNAB.
Why it sticks
Zero-based budgeting gives total control over spending, but opening budget apps to enter every small receipt or check category limits takes constant effort. Joshu checks balances and matches receipts to transactions from your conversation so your budget stays accurate without daily friction.
Permissions and limits
Joshu accesses YNAB using authorized OAuth scopes. It reads budget plans, transactions, and category limits within approved budgets, and it sets up scheduled transactions once you approve. It cannot move money, connect bank accounts, or delete budget history.
Frequently asked questions
Joshu connects to YNAB (You Need A Budget) through Composio-managed OAuth and works across your budgets, accounts, spending categories, and transactions. It checks available category balances before you commit to new business expenses, matches forwarded receipts to recorded transactions, monitors budget pacing, and connects financial allocations back to your morning executive briefs. You work with an assistant who has a desk, a computer, and persistent memory, not a budgeting app you have to check manually before every purchase.
Yes. Every Joshu runs in its own isolated, sandboxed cloud computer. Budget figures, account balances, and payee names Joshu reads stay in that private sandbox. Joshu only accesses budgets you authorize, and your data is never used to train public AI models.
No. Every new or changed scheduled transaction, new account, and payee change waits for your approval. Joshu reads balances and transactions and drafts entries on its own. The connection cannot move money between categories or delete categories.
Only the YNAB budgets and accounts authorized during OAuth sign-in. Joshu cannot view unconnected bank accounts or separate personal budgets that you do not share.
YNAB displays static historical spending charts. Joshu is a dedicated teammate with memory across YNAB, your email, calendar, Stripe, and QuickBooks. It checks budget availability before you sign vendor contracts, reviews transactions on a schedule, and tells you when recurring software charges increase.
Joshu is $95 a month after a 14-day free trial. That includes your sandboxed cloud computer, a dedicated US phone number, an @joshu.me email address, persistent memory across your tools, and all tool connectors, including YNAB. There are no token fees. Paid data and media APIs from the tool catalog are extra, paid per call from a prepaid usage wallet.