Monarch Money MCP Server

An MCP server that provides AI assistants with access to Monarch Money financial data.

20+
Tools
42
Tests
100%
Type-Safe
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Available Tools

Complete coverage of the Monarch Money API

Core Data Access

get_accounts
Retrieve all linked financial accounts with balances and details.
get_transactions
Fetch transactions with flexible filtering by date, account, and category.
Key features:
  • 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
get_budgets
Retrieve budget information and spending analysis.
get_cashflow
Analyze income and expense cashflow data.
get_transaction_categories
List all available transaction categories.

Transaction Management

create_transaction
Create a new transaction with amount, description, category, and date.
update_transaction
Update an existing transaction's details.

Investment & Banking

get_account_holdings
View investment portfolio holdings from brokerage accounts.
get_account_history
Track historical account balance data over time.
get_institutions
List all linked financial institutions.
refresh_accounts
Request a refresh of account data from financial institutions.

Planning & Budgets

get_recurring_transactions
View scheduled recurring transactions and bills.
set_budget_amount
Set or update budget amount for a specific category.
create_manual_account
Create a manually tracked account for cash or assets.

Intelligent Analysis

get_transactions_batch
Execute multiple transaction queries in parallel for efficient batch processing.
get_spending_summary
Get spending summaries grouped by category, account, or month.
get_complete_financial_overview
Get a comprehensive financial snapshot combining accounts, transactions, budgets, and cashflow in a single call.
Combines 5 API calls:
  • All accounts with current balances
  • Recent transactions for the period
  • Budget status and performance
  • Cashflow analysis (income vs expenses)
  • Transaction categories
analyze_spending_patterns
Analyze spending trends with multi-month analysis and optional predictive forecasting.
Provides insights on:
  • Monthly spending trends by category
  • Account usage patterns
  • Budget performance over time
  • Predictive spending forecasts (optional)
get_usage_analytics
View analytics on tool usage patterns to identify optimization opportunities.

Installation

Setup takes just a few minutes

1. Install Dependencies

cd /path/to/monarch-money-mcp
uv sync

2. Configure MCP Client

Add to your .mcp.json configuration: 

{
  "mcpServers": {
    "monarch-money": {
      "command": "/path/to/uv",
      "args": [
        "--directory",
        "/path/to/monarch-money-mcp",
        "run",
        "python",
        "server.py"
      ],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}

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

3. Use with AI Assistant

Example queries: 

"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: Taurus Colvin

@colvint

MCP server wrapper for Monarch Money with type safety and comprehensive testing.

View Original Repository →

MonarchMoney Library

Author: hammem

@hammem

The Python library that provides API access to Monarch Money.

View 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 →