sqlite-export-for-ynab 2.1.0

SQLite Export for YNAB - Export YNAB Data to SQLite

sqlite-export-for-ynab

SQLite Export for YNAB - Export YNAB Budget Data to SQLite

What This Does

Export all your YNAB plans to a local SQLite DB. Then you can query your data with any tools compatible with SQLite.

Installation

$ pip install sqlite-export-for-ynab

Usage

CLI

Provision a YNAB Personal Access Token and save it as an environment variable.

$ export YNAB_PERSONAL_ACCESS_TOKEN="..."

Run the tool from the terminal to download your plans:

$ sqlite-export-for-ynab

Running it again will pull only data that changed since the last pull (this is done with Delta Requests). If you want to wipe the DB and pull all data again use the --full-refresh flag.

You can specify the DB path with the following options

1. The --db flag.
2. The XDG_DATA_HOME variable (see the XDG Base Directory Specification). In that case the DB is saved in "${XDG_DATA_HOME}"/sqlite-export-for-ynab/db.sqlite.
3. If neither is set, the DB is saved in ~/.local/share/sqlite-export-for-ynab/db.sqlite.

Library

The library exposes the package sqlite_export_for_ynab and two functions - default_db_path and sync. You can use them as follows:

import asyncio
import os

from sqlite_export_for_ynab import default_db_path
from sqlite_export_for_ynab import sync

db = default_db_path()
token = os.environ["YNAB_PERSONAL_ACCESS_TOKEN"]
full_refresh = False

asyncio.run(sync(token, db, full_refresh))

Relations

The relations are defined in create-relations.sql. They are 1:1 with YNAB's OpenAPI Spec (ex: transactions, accounts, etc) with some additions:

1. Some objects are pulled out into their own tables so they can be more cleanly modeled in SQLite (ex: subtransactions, loan account periodic values).
2. Foreign keys are added as needed (ex: plan ID, transaction ID) so data across plans remains separate.
3. Two new views called flat_transactions and scheduled_flat_transactions. These allow you to query split and non-split transactions easily, without needing to also query subtransactions and scheduled_subtransactions respectively. They also filter out deleted transactions/subtransactions and project payee/category fields to make querying more ergonomic.

Querying

You can issue queries with typical SQLite tools. sqlite-export-for-ynab deliberately does not implement a SQL REPL.

Sample Queries

You can run the queries from this README using a tool like mdq. For example:

$ mdq '```sql dupes' path/to/sqlite-export-for-ynab/README.md -o plain \
    | sqlite3 path/to/sqlite-export-for-ynab/db.sqlite

The DB path is documented above.

To get the top 5 payees by spending per plan, you could do:

WITH ranked_payees AS (
    SELECT
        pl.name AS plan_name
        , t.payee_name AS payee
        , SUM(t.amount_currency) AS net_spent
        , ROW_NUMBER()
            OVER (PARTITION BY pl.id ORDER BY SUM(t.amount) ASC)
            AS rnk
    FROM flat_transactions AS t INNER JOIN plans AS pl ON t.plan_id = pl.id
    WHERE
        t.payee_name != 'Starting Balance' AND t.transfer_account_id IS NULL
    GROUP BY pl.id, t.payee_id
)

SELECT
    plan_name
    , payee
    , net_spent
FROM ranked_payees
WHERE rnk <= 5
ORDER BY plan_name ASC, net_spent DESC
;

To get duplicate payees, or payees with no transactions:

WITH used_payees AS (
    SELECT
        plan_id
        , payee_id
    FROM transactions
    WHERE
        TRUE
        AND payee_id IS NOT NULL
        AND NOT deleted
    UNION
    SELECT
        plan_id
        , payee_id
    FROM subtransactions
    WHERE
        TRUE
        AND payee_id IS NOT NULL
        AND NOT deleted
    UNION
    SELECT
        plan_id
        , payee_id
    FROM scheduled_transactions
    WHERE
        TRUE
        AND payee_id IS NOT NULL
        AND NOT deleted
    UNION
    SELECT
        plan_id
        , payee_id
    FROM scheduled_subtransactions
    WHERE
        TRUE
        AND payee_id IS NOT NULL
        AND NOT deleted
)

SELECT
    pl.name AS "plan"
    , dupes.name AS payee
FROM (
    SELECT
        p.plan_id
        , p.name
    FROM payees AS p
    LEFT JOIN used_payees AS up ON p.plan_id = up.plan_id AND p.id = up.payee_id
    WHERE
        TRUE
        AND up.payee_id IS NULL
        AND p.transfer_account_id IS NULL
        AND p.name != 'Reconciliation Balance Adjustment'
        AND p.name != 'Manual Balance Adjustment'
        AND NOT p.deleted
    UNION
    SELECT
        plan_id
        , name
    FROM payees
    WHERE NOT deleted
    GROUP BY plan_id, name
    HAVING COUNT(*) > 1
) AS dupes
INNER JOIN plans AS pl ON dupes.plan_id = pl.id
ORDER BY "plan", payee
;

To count the spend for a category (ex: "Apps") between this month and the next 11 months (inclusive):

SELECT
    plan_id
    , SUM(amount_currency) AS amount_currency
FROM (
    SELECT
        plan_id
        , amount_currency
    FROM flat_transactions
    WHERE
        category_name = 'Apps'
        AND SUBSTR("date", 1, 7) = SUBSTR(DATE(), 1, 7)
    UNION ALL
    SELECT
        plan_id
        , amount_currency * (
            CASE
                WHEN frequency = 'monthly' THEN 11
                ELSE 1 -- assumes yearly
            END
        ) AS amount_currency
    FROM scheduled_flat_transactions
    WHERE
        category_name = 'Apps'
        AND SUBSTR(date_next, 1, 7) < SUBSTR(DATE('now', '+1 year'), 1, 7)
)
;

To estimate taxable interest for a given year[^1]:

-- Parameters expected by this query:
--   @tax_rate
--   @year
--   @plan_id (optional, defaults to output for all plans)
--   @estimated_additional_interest (optional,
--      estimated interest not in YNAB such as investment income)
--   @interest_reporting_threshold (optional, defaults to the $10
--      common threshold, but confirm with actual documents)
--   @interest_payee_name (optional, defaults to Interest)
--
-- Example with only required params:
-- sqlite3 -header -box path/to/db.sqlite \
--   -cmd '.parameter init' \
--   -cmd ".parameter set @tax_rate 0.25" \
--   -cmd ".parameter set @year 2025" \
--   < query.sql
--
-- Example with all params:
--   -cmd ".parameter set @tax_rate 0.25" \
--   -cmd ".parameter set @year 2025" \
--   -cmd ".parameter set @estimated_additional_interest 250.00" \
--   -cmd ".parameter set @interest_reporting_threshold 10" \
--   -cmd ".parameter set @interest_payee_name Interest" \
--   -cmd ".parameter set @plan_id your-plan-id" \
--   < query.sql

WITH interest_by_account AS (
    SELECT
        plan_id
        , account_name
        , SUM(-amount_currency) AS total
    FROM flat_transactions
    WHERE
        TRUE
        AND payee_name = COALESCE(NULLIF(@interest_payee_name, ''), 'Interest')
        AND SUBSTR("date", 1, 4) = CAST(@year AS TEXT)
        AND (COALESCE(@plan_id, '') = '' OR plan_id = @plan_id)
    GROUP BY plan_id, account_name
    HAVING total >= CAST(COALESCE(@interest_reporting_threshold, 10) AS REAL)
)

, interest_by_plan AS (
    SELECT
        plans.id AS plan_id
        , plans.name AS plan_name
        , COALESCE(SUM(interest_by_account.total), 0) AS interest_in_ynab
    FROM plans
    LEFT JOIN interest_by_account ON plans.id = interest_by_account.plan_id
    WHERE COALESCE(@plan_id, '') = '' OR plans.id = @plan_id
    GROUP BY plan_id, plan_name
)

, ranked_interest AS (
    SELECT
        plan_id
        , plan_name
        , interest_in_ynab
        , interest_in_ynab
        + CAST(COALESCE(@estimated_additional_interest, 0) AS REAL)
            AS interest_with_estimate
        , ROW_NUMBER() OVER (ORDER BY plan_name, plan_id) AS row_num
    FROM interest_by_plan
)

, estimated_interest AS (
    SELECT
        plan_id
        , plan_name
        , interest_in_ynab
        -- Additional interest is per-tax-return not per-YNAB-plan. Only add
        -- additional interest to one plan's output to avoid double counting.
        , CASE
            WHEN row_num != 1 THEN interest_in_ynab
            WHEN
                interest_with_estimate
                < CAST(COALESCE(@interest_reporting_threshold, 10) AS REAL)
                THEN 0
            ELSE interest_with_estimate
        END AS estimated_total_taxable_interest
    FROM ranked_interest
)

SELECT
    plan_name AS "plan"
    , PRINTF('%.2f', interest_in_ynab) AS interest_in_ynab
    , PRINTF('%.2f', estimated_total_taxable_interest)
        AS estimated_total_taxable_interest
    , PRINTF(
        '%.2f'
        , estimated_total_taxable_interest * CAST(NULLIF(@tax_rate, '') AS REAL)
    ) AS estimated_tax_liability
FROM estimated_interest
ORDER BY plan_name, plan_id
;

To compare assigned category values to a given account's balance:

-- Parameters expected by this query:
--   @account_name_like (required, the account name to match against)
--   @plan_id (optional, defaults to output for all matching plans)
--   @include_category_groups
--     (optional, comma-separated category-group names to include;
--     exclusive with @exclude_category_groups)
--   @exclude_category_groups
--     (optional, comma-separated category-group names to exclude;
--     exclusive with @include_category_groups)
--
-- Example:
-- sqlite -header -box path/to/db.sqlite \
--   -cmd '.parameter init' \
--   -cmd ".parameter set @account_name_like %Savings%" \
--   -cmd ".parameter set @include_category_groups 'Home,Food'" \
--   < query.sql
WITH params AS (
    SELECT
        TRIM(COALESCE(@account_name_like, '')) AS account_name_like
        , TRIM(COALESCE(@include_category_groups, ''))
            AS include_category_groups
        , TRIM(COALESCE(@exclude_category_groups, ''))
            AS exclude_category_groups
)

, validation AS (
    SELECT 'Set @account_name_like' AS error
    FROM params AS p
    WHERE p.account_name_like = ''
    UNION ALL
    SELECT
        'Set only one of @include_category_groups'
        || ' or @exclude_category_groups' AS error
    FROM params AS p
    WHERE p.include_category_groups != '' AND p.exclude_category_groups != ''
)

SELECT v.error AS error_message
FROM validation AS v
WHERE v.error IS NOT NULL
;

WITH params AS (
    SELECT
        TRIM(COALESCE(@account_name_like, '')) AS account_name_like
        , TRIM(COALESCE(@include_category_groups, ''))
            AS include_category_groups
        , TRIM(COALESCE(@exclude_category_groups, ''))
            AS exclude_category_groups
)

, validation AS (
    SELECT
        p.account_name_like
        , p.include_category_groups
        , p.exclude_category_groups
    FROM params AS p
)

, validation_errors AS (
    SELECT 'Set @account_name_like' AS error
    FROM validation AS v
    WHERE v.account_name_like = ''
    UNION ALL
    SELECT
        'Set only one of @include_category_groups'
        || ' or @exclude_category_groups' AS error
    FROM validation AS v
    WHERE v.include_category_groups != '' AND v.exclude_category_groups != ''
)

, valid_params AS (
    SELECT
        v.account_name_like
        , v.include_category_groups
        , v.exclude_category_groups
    FROM validation AS v
    WHERE NOT EXISTS (
        SELECT 1
        FROM validation_errors
    )
)

, matched_accounts AS (
    SELECT
        p.id AS plan_id
        , p.name AS plan_name
        , a.name AS account_name
        , a.cleared_balance / 1000.0 AS account_amount
    FROM plans AS p
    INNER JOIN accounts AS a ON p.id = a.plan_id
    CROSS JOIN valid_params AS v
    WHERE
        TRUE
        AND NOT a.deleted
        AND a.name LIKE v.account_name_like
        AND (COALESCE(@plan_id, '') = '' OR p.id = @plan_id)
)

, category_totals AS (
    SELECT
        c.plan_id
        , COALESCE(SUM(c.balance), 0) / 1000.0 AS total
    FROM categories AS c CROSS JOIN valid_params AS v
    WHERE
        TRUE
        AND NOT c.deleted
        AND c.category_group_name != 'Credit Card Payments'
        AND c.category_group_name != 'Internal Master Category'
        AND (
            v.include_category_groups = ''
            OR INSTR(
                ','
                || LOWER(REPLACE(v.include_category_groups, ', ', ','))
                || ','
                , ',' || LOWER(c.category_group_name) || ','
            )
            > 0
        )
        AND (
            v.exclude_category_groups = ''
            OR INSTR(
                ','
                || LOWER(REPLACE(v.exclude_category_groups, ', ', ','))
                || ','
                , ',' || LOWER(c.category_group_name) || ','
            )
            = 0
        )
        AND (COALESCE(@plan_id, '') = '' OR c.plan_id = @plan_id)
    GROUP BY c.plan_id
)

SELECT
    ma.plan_name AS "plan"
    , ma.account_name AS account
    , PRINTF('%.2f', COALESCE(ct.total, 0)) AS total
    , PRINTF('%.2f', COALESCE(ct.total, 0) - ma.account_amount) AS excess
FROM matched_accounts AS ma
LEFT JOIN category_totals AS ct ON ma.plan_id = ct.plan_id
ORDER BY "plan", account
;

[^1]: This query is a rough estimate based on YNAB data and optional user inputs. It is not financial advice, tax advice, or a substitute for Forms 1099-INT, brokerage statements, bank records, or guidance from a qualified professional.