# Yomio (remote · mcp.yomio.app)

Read Yomio expense, income, account, budget, and spending data in an MCP-compatible AI client.

- Trust score: 82/100 (high trust)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `mcp.yomio.app`: 82/100 (this document), [markdown](https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp.md), [page](https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp)
- npm · `yomio-mcp-stdio`: 33/100, [markdown](https://verifymcp.io/servers/app-yomio-yomio-mcp/yomio-mcp-stdio.md), [page](https://verifymcp.io/servers/app-yomio-yomio-mcp/yomio-mcp-stdio)

## Channel facts

- Endpoint: `https://mcp.yomio.app/mcp`
- Transports: `streamable-http`
- Auth: `required (not validated)`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 83/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation is enforced on tool calls, but the challenge carries no valid RFC 9728 metadata, so a client cannot discover where to get a token.
  - HTTPS is enforced; there's no plaintext access path.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 72/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 1006 tokens (~67/item across 15 items; 15 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 60/100
  - Stability observed for 18 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 98/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 93% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 15 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 15 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the Yomio MCP server?

Yomio is a hosted endpoint at https://mcp.yomio.app/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http app-yomio-yomio-mcp 'https://mcp.yomio.app/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "app-yomio-yomio-mcp": {
      "url": "https://mcp.yomio.app/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "app-yomio-yomio-mcp": {
      "type": "http",
      "url": "https://mcp.yomio.app/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.app-yomio-yomio-mcp]
url = "https://mcp.yomio.app/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "app-yomio-yomio-mcp": {
      "type": "remote",
      "url": "https://mcp.yomio.app/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add app-yomio-yomio-mcp --url 'https://mcp.yomio.app/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  app-yomio-yomio-mcp:
    url: "https://mcp.yomio.app/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "app-yomio-yomio-mcp": {
      "Transport": "http",
      "Url": "https://mcp.yomio.app/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add app-yomio-yomio-mcp -t streamable-http -u 'https://mcp.yomio.app/mcp'
```

### Other

```json
{
  "mcpServers": {
    "app-yomio-yomio-mcp": {
      "type": "http",
      "url": "https://mcp.yomio.app/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-04 (score 82, +1)

No change was recorded against any check on this day. Stability & Change Management went from 53 to 57. That category is still filling its 30-day observation window: 16 days of observed history at the previous scan, 17 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 81, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-30 (score 80, +1)

No change was recorded against any check on this day. Stability & Change Management went from 37 to 40. That category is still filling its 30-day observation window: 11 days of observed history at the previous scan, 12 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-28 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 30 to 33. That category is still filling its 30-day observation window: 9 days of observed history at the previous scan, 10 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-26 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 23 to 27. That category is still filling its 30-day observation window: 7 days of observed history at the previous scan, 8 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-24 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 17 to 20. That category is still filling its 30-day observation window: 5 days of observed history at the previous scan, 6 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-22 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-20 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (15)

### `get_spending_summary` (~102 tokens)

Get an aggregate spending total across a date range, grouped by category or merchant. For describing or summarizing a single expense the user already has open, use the expense data already provided instead — this tool is for totals across multiple transactions, not a narrative description of one.

Input parameters:

- `endDate` (string, required): End date YYYY-MM-DD
- `groupBy` (string, required): How to group spending
- `startDate` (string, required): Start date YYYY-MM-DD

### `compare_periods` (~84 tokens)

Compare spending between two time periods.

Input parameters:

- `period1EndDate` (string, required): End of first period YYYY-MM-DD
- `period1StartDate` (string, required): Start of first period YYYY-MM-DD
- `period2EndDate` (string, required): End of second period YYYY-MM-DD
- `period2StartDate` (string, required): Start of second period YYYY-MM-DD

### `search_expenses` (~95 tokens)

Search for expenses by keyword (merchant or item name). Returns the actual purchased item names for each matching expense — use this to find out what products/groceries the user bought.

Input parameters:

- `endDate` (string): Optional end date YYYY-MM-DD
- `limit` (number): Max results (default 20)
- `query` (string, required): Search keyword
- `startDate` (string): Optional start date YYYY-MM-DD

### `get_top_merchants` (~59 tokens)

Get top merchants ranked by total spending.

Input parameters:

- `endDate` (string, required): End date YYYY-MM-DD
- `limit` (number): Max merchants to return (default 10)
- `startDate` (string, required): Start date YYYY-MM-DD

### `get_spending_trends` (~59 tokens)

Get spending trends over time (daily, weekly, or monthly).

Input parameters:

- `endDate` (string, required): End date YYYY-MM-DD
- `period` (string, required): Granularity
- `startDate` (string, required): Start date YYYY-MM-DD

### `get_income_summary` (~53 tokens)

Get income summary for a date range. Returns total income amount and count of income entries.

Input parameters:

- `endDate` (string, required): End date YYYY-MM-DD
- `startDate` (string, required): Start date YYYY-MM-DD

### `get_income_list` (~71 tokens)

List individual income entries with optional date filtering. Returns source, amount, date, and account per entry.

Input parameters:

- `endDate` (string): Optional end date YYYY-MM-DD
- `limit` (number): Max results (default 20)
- `startDate` (string): Optional start date YYYY-MM-DD

### `get_balance_overview` (~43 tokens)

Get income vs expenses balance overview.

Input parameters:

- `endDate` (string, required): End date YYYY-MM-DD
- `startDate` (string, required): Start date YYYY-MM-DD

### `get_recurring_payments` (~37 tokens)

Get recurring payments (subscriptions, bills, upcoming charges).

Input parameters:

- `status` (string): Filter by status (omit for all statuses)

### `get_accounts` (~23 tokens)

Get all payment accounts (cash, cards, bank accounts) with balances.

### `get_budget_status` (~62 tokens)

Get budget status and spending vs budget for a specific month.

Input parameters:

- `budget` (number, required): Monthly budget amount in user currency
- `month` (number, required): Month number (1-12)
- `year` (number, required): Year (e.g. 2025)

### `get_categories` (~53 tokens)

Get all available expense categories — both system defaults and user-created custom categories. Returns code, name, description, color, and icon. Call this before reclassify_item if you do not already know a valid category code.

### `get_expense_detail` (~43 tokens)

Get full details of a single expense by ID, including all line items with prices, quantities, and categories.

Input parameters:

- `expenseId` (string, required): The expense ID

### `get_top_products` (~106 tokens)

Get the top 5 most-purchased products/items ranked by total cost, with similar product names merged (e.g. "MANGO" and "MANGO FRESH" count as one). Use this — not search_expenses — when the user wants to know what they buy most, or for suggesting a recipe from frequently-bought ingredients.

Input parameters:

- `endDate` (string): Optional end date YYYY-MM-DD
- `startDate` (string): Optional start date YYYY-MM-DD

### `get_expenses` (~116 tokens)

List expenses with optional date, merchant, category, account, and text filters.

Input parameters:

- `accountId` (string): Account ID
- `categories` (array): Category codes
- `endDate` (string): End date (YYYY-MM-DD)
- `limit` (integer)
- `merchants` (array): Merchant names
- `offset` (integer)
- `search` (string): Search by merchant or item name
- `startDate` (string): Start date (YYYY-MM-DD)
- `transactionType` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp#diagnostics

## Score history

- 2026-11-05: 82
- 2026-11-04: 82
- 2026-11-03: 81
- 2026-11-02: 81
- 2026-11-01: 81
- 2026-10-31: 80
- 2026-10-30: 80
- 2026-10-29: 79
- 2026-10-28: 79
- 2026-10-27: 78
- 2026-10-26: 78
- 2026-10-25: 77
- 2026-10-24: 77
- 2026-10-23: 76
- 2026-10-22: 76
- 2026-10-21: 75
- 2026-10-20: 75
- 2026-10-19: 74
- 2026-10-18: 74
- 2026-10-17: 37
- 2026-10-16: 37
- 2026-10-15: 37
- 2026-10-14: 37
- 2026-10-13: 37
- 2026-10-12: 37
- 2026-10-10: 37
- 2026-10-07: 37

## Common questions

### What is the Yomio MCP server?

Yomio is an MCP server listed in the public MCP registry as app.yomio/yomio-mcp. Read Yomio expense, income, account, budget, and spending data in an MCP-compatible AI client. This page covers its hosted endpoint (https://mcp.yomio.app/mcp).

### Is the Yomio MCP server safe to use?

Yomio scores 82 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the Yomio MCP server expose?

Yomio exposes 15 tools: get_spending_summary, compare_periods, search_expenses, get_top_merchants, get_spending_trends, and 10 more. Their descriptions and schemas cost roughly 1,006 tokens of context every time the server is loaded.

### Does the Yomio MCP server require authentication?

Yes. Yomio asked us for credentials when we connected, so you will need to authorise it in your MCP client before it can do anything.

### Is the Yomio MCP server still maintained?

Yomio is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://mcp.yomio.app/mcp
- Website: https://yomio.app/en/developers/mcp
- Changelog RSS feed: https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp.json
- HTML version of this page: https://verifymcp.io/servers/app-yomio-yomio-mcp/mcp