Category suggestions learn from your own history
Full release on GitHub ↗What shipped
ynab_suggest_categories now tries exact-payee history first, then a personal prior learned from your own categorized spending, and only then a model. Model answers are always marked for review. The release also updates the MCP SDK for a high-severity advisory in its OAuth client.
The Cloudflare Worker gains an optional auto-budget service in shadow mode: it mirrors transactions, records what it would have done, and sends alerts, but never writes to YNAB in this version.
When YNAB_PLAN_ID names a plan the token cannot reach, calls now say so and list the plans it can see.
Why it matters
Suggestions you already agree with stop depending on a model, and the ones that do come from a model never land without review.