diff --git a/CLAUDE.md b/CLAUDE.md
index e14f8ae..4d3c85b 100644
--- a/CLAUDE.md
+++ b/CLAUDE.md
@@ -97,12 +97,9 @@ All API calls go through `YnabClient.withErrorHandling()` which catches errors a
 
 ## API Limitations
 
-YNAB API does not support:
-- Creating categories or category groups
-- Creating payees
-- Creating or updating accounts (beyond initial creation)
+YNAB API does not support updating accounts. That must be done through YNAB's web/mobile apps.
 
-These operations must be done through YNAB's web/mobile apps.
+The API does support creating payees, categories, category groups, and accounts (see the `create*` methods in the `ynab` SDK's `PayeesApi`, `CategoriesApi`, and `AccountsApi`). Before documenting an API limitation, confirm it against the SDK in `node_modules/ynab/dist/apis/` rather than prior docs.
 
 ## Testing
 
diff --git a/README.md b/README.md
index 9db1a1d..a46e7d7 100644
--- a/README.md
+++ b/README.md
@@ -135,7 +135,13 @@ All commands return JSON. Use `--compact` for minified output.
 
 ## API Limitations
 
-The YNAB API does not support creating categories, category groups, or payees. Use the web or mobile app for these.
+The YNAB API does not support updating accounts. Use the web or mobile app for this.
+
+The API supports creating payees, categories, and category groups. Use raw API access for these:
+
+```bash
+ynab api POST /plans/{plan_id}/payees --data '{"payee": {"name": "Coffee Shop"}}'
+```
 
 Rate limit: 200 requests/hour per token. If exceeded, wait 5-10 minutes.