Your money, fluent in Claude.
An MCP server that gives Claude — or any MCP client — a window into your finances: query accounts, search transactions, track budgets and investments, and run multi-month spending analysis, all from plain-language prompts.
Token-efficient by design: compact output is ~80% smaller, and batch tools pull five Monarch APIs in a single call.
One-line install — no clone, no path wrangling:
uvx monarch-mcp-jamiew
Runs locally; your credentials stay in your client config and never pass through the LLM.
19 tools·~8K tokens of definitions·202 tests·100% type-safe
Built on modern MCP
Designed for token efficiency and the latest protocol features
Structured output
Every tool returns a typed outputSchema with machine-readable content and a text fallback for older clients.
Resources & templates
MCP resources for categories, accounts, and institutions, plus parameterized per-account holdings and history.
Guided prompts
Prompt workflows for financial analysis, with live argument autocompletion.
Natural-language dates
Filters understand "last month", "30 days ago", and "this year" out of the box.
Tool annotations
Read/write metadata and human-friendly titles so clients know what's safe to call.
Token & request efficiency
Built to spend as few tokens and round-trips as possible
~80% smaller responses
Compact transaction format by default; categories return just id + name. Pass verbose=True for the full API payload when you need it.
5 APIs in 1 call
get_complete_financial_overview fans out to five Monarch APIs at once, update_transactions_bulk edits many transactions in one parallel call, and the summary tools aggregate server-side instead of dumping raw rows on the model.
~8K-token tool surface
All 19 tool schemas cost ~8K tokens of context up front in clients without deferred loading. Descriptions and schemas are kept tight to hold that fixed cost down.
Available tools
Broad coverage of the Monarch Money API
Core Data Access
- Natural language dates: "last month", "30 days ago", "this year"
- Compact format reduces data size by ~80% (verbose mode available)
- Filter by account, category, date range
- Pagination with limit and offset
Transaction Management
Investment & Banking
account_id).Planning & Budgets
Intelligent Analysis
- All accounts with current balances
- Recent transactions for the period
- Budget status and performance
- Cashflow analysis (income vs expenses)
- Transaction categories
- Monthly spending trends by category
- Account usage patterns
- Budget performance over time
- Predictive spending forecasts (optional)
Installed in a few minutes
Same shape everywhere: command uvx, package monarch-mcp-jamiew, three env vars
Published to PyPI — no clone needed. With
uv installed, every MCP client
runs it on demand with uvx.
Add this to claude_desktop_config.json
(~/Library/Application Support/Claude/ on macOS,
%APPDATA%\Claude\ on Windows), then restart Claude:
{
"mcpServers": {
"monarch-money": {
"command": "uvx",
"args": ["monarch-mcp-jamiew"],
"env": {
"MONARCH_EMAIL": "your-email@example.com",
"MONARCH_PASSWORD": "your-password",
"MONARCH_MFA_SECRET": "your-mfa-secret-key"
}
}
}
}
claude mcp add monarch-money \ -e MONARCH_EMAIL=your-email@example.com \ -e MONARCH_PASSWORD=your-password \ -e MONARCH_MFA_SECRET=your-mfa-secret-key \ -- uvx monarch-mcp-jamiew
codex mcp add monarch-money \ --env MONARCH_EMAIL=your-email@example.com \ --env MONARCH_PASSWORD=your-password \ --env MONARCH_MFA_SECRET=your-mfa-secret-key \ -- uvx monarch-mcp-jamiew
Same standard config, different file:
.mcp.json— drop the standard config in your project root; Claude Code (project scope) and most clients auto-load it.- OpenClaw — add it to
~/.openclaw/openclaw.jsonundermcpServers, then restart the gateway. - Hermes — add it to
~/.hermes/config.yamlundermcp_servers:(YAML), then/reload-mcp. - Cursor · VS Code · Windsurf · Cline · Zed — same standard config; anything that speaks MCP over stdio works.
"Install the Monarch Money MCP server from github.com/jamiew/monarch-mcp — it's on PyPI as monarch-mcp-jamiew, runs via uvx monarch-mcp-jamiew, and needs env vars MONARCH_EMAIL, MONARCH_PASSWORD, and MONARCH_MFA_SECRET."
🔑 Getting your MFA secret
1. Enable 2FA in Monarch Money settings
2. Click "Can't scan?" when shown the QR code
3. Copy the secret key (format: T5SPVJIBRNPNNINFSH5W7RFVF2XYADYX)
4. Use this as your MONARCH_MFA_SECRET
Example prompts once it's wired up:
"Show me my account balances" "Get all transactions from last month" "Analyze my spending patterns for the last 3 months" "What's my complete financial overview for this quarter?"
Credits
Built on open source tools
MCP Server
Author: Jamie Dubs · @jamiew
A FastMCP rewrite with structured output, type safety, and comprehensive testing. Originally forked from @colvint's implementation.
View repository →MonarchMoney Library
Author: @bradleyseanf
The monarchmoneycommunity fork that provides API access to Monarch Money,
descended from @hammem's original library.
Model Context Protocol
By: Anthropic
Open protocol for connecting AI assistants to external data sources.
Learn more →Monarch Money
Service: Financial management
Platform for tracking accounts, budgets, and investments.
Visit Monarch Money →