monarch-mcp-server

Overview

This MCP server provides comprehensive access to Monarch Money personal finance data through Claude Desktop and Claude Code. It supports account management, transaction tracking, budgeting, financial analysis, and more with secure authentication including MFA. The server implements the full MCP protocol to expose dozens of financial operations including getting transactions, managing categories, creating rules, and tracking net worth.

Try asking AI

After installing, here are 5 things you can ask your AI assistant:

• get_accounts

  Get all financial accounts with balances and institution info

  Try:Show me all my financial accountsTry:List my investment accounts
• get_transactions

  Get transactions with filtering and reconciliation fields

  Try:Show me my last 50 transactionsTry:Find all transactions from Chase in March
• get_budgets

  Get budget information including spent amounts and remaining balances

  Try:Show me my current budget statusTry:How much have I spent on groceries this month?
• get_cashflow

  Analyze financial cashflow over specified date ranges with income/expense breakdowns

  Try:Get my cashflow for the last 3 monthsTry:Show me income vs expenses this year
• get_net_worth

  Track total net worth over time with daily snapshots and trend analysis

  Try:Show my net worth trend for the past yearTry:What's my current net worth?
• create_transaction

  Create new transaction in an account

  Try:Add a $50 grocery transaction todayTry:Create a $200 rent payment for this month
• get_categories

  List all transaction categories with groups, icons, and metadata

  Try:Show me all available categoriesTry:What are the subcategories under Food & Dining?
• search_transactions

  Search transactions with filters for merchant, category, account, tags, date ranges, and amounts

  Try:Find all Amazon transactions over $50Try:Search for transactions tagged 'Tax Deductible'
• get_transaction_rules

  List all auto-categorization rules

  Try:Show me all my auto-categorization rulesTry:What rules do I have for Amazon purchases?
• create_tag

  Create a new tag with custom name and color

  Try:Create a new tag called 'Business Expenses' with color blueTry:Add a 'Vacation' tag with green color
• set_transaction_category

  Assign a category to a transaction

  Try:Set this transaction to 'Groceries' categoryTry:Categorize this as 'Dining Out'
• get_recurring_transactions

  View upcoming recurring transactions

  Try:Show me my upcoming billsTry:List all recurring subscriptions

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Installation

git clone https://github.com/robcerda/monarch-mcp-server.git
cd monarch-mcp-server

pip install -r requirements.txt
pip install -e .

{
  "mcpServers": {
    "Monarch Money": {
      "command": "/opt/homebrew/bin/uv",
      "args": [
        "run",
        "--with",
        "mcp[cli]",
        "--with-editable",
        "/path/to/your/monarch-mcp-server",
        "mcp",
        "run",
        "/path/to/your/monarch-mcp-server/src/monarch_mcp_server/server.py"
      ]
    }
  }
}

python login_setup.py

FAQ

Is this server compatible with Monarch Money's MFA?

Yes, it has full support for two-factor authentication through the login_setup.py script.

How often do I need to re-authenticate?

Authentication persists for weeks/months with session persistence, so frequent re-authentication isn't needed.

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