Provides access to Monarch Money financial data and operations, including account management, transaction filtering, budget analysis, category management, goal tracking, and net worth monitoring.
Monarch Money MCP Server
An MCP (Model Context Protocol) server that provides access to Monarch Money financial data and operations.
Features
Account Management: List and retrieve account information
Transaction Operations: Get transactions with filtering by date range, accounts, and categories
Budget Analysis: Access budget data and spending insights
Category Management: List and manage transaction categories
Goal Tracking: Access financial goals and progress
Net Worth Tracking: Retrieve net worth snapshots over time
Installation
Clone or download this MCP server
Install dependencies:
cd /path/to/monarch-money-mcp uv sync
Configuration
Add the server to your .mcp.json
configuration file:
Important Notes:
Replace
/path/to/uv
with the full path to youruv
executable (find it withwhich uv
)Replace
/path/to/monarch-money-mcp
with the absolute path to this server directoryUse absolute paths, not relative paths
Getting Your MFA Secret
Go to Monarch Money settings and enable 2FA
When shown the QR code, look for the "Can't scan?" or "Enter manually" option
Copy the secret key (it will be a string like
T5SPVJIBRNPNNINFSH5W7RFVF2XYADYX
)Use this as your
MONARCH_MFA_SECRET
Available Tools
get_accounts
List all accounts with their balances and details.
get_transactions
Get transactions with optional filtering:
start_date
: Filter transactions from this date (YYYY-MM-DD)end_date
: Filter transactions to this date (YYYY-MM-DD)account_ids
: List of account IDs to filter bycategory_ids
: List of category IDs to filter bylimit
: Maximum number of transactions to return
get_categories
List all transaction categories.
get_budgets
Get budget information and spending analysis.
get_goals
List financial goals and their progress.
get_cashflow
Get cashflow data for income and expense analysis.
get_investments
Get investment account details and performance.
get_net_worth
Get net worth snapshots over time.
Usage Examples
Basic Account Information
Transaction Analysis
Budget Tracking
Session Management
The server automatically manages authentication sessions:
Sessions are cached in a
.mm
directory for faster subsequent loginsThe session cache is automatically created and managed
Use
MONARCH_FORCE_LOGIN=true
in the env section to force a fresh login if needed
Troubleshooting
MFA Issues
Ensure your MFA secret is correct and properly formatted
Try setting
MONARCH_FORCE_LOGIN=true
in your.mcp.json
env sectionCheck that your system time is accurate (required for TOTP)
Connection Issues
Verify your email and password are correct in
.mcp.json
Check your internet connection
Try running the server directly to see detailed error messages:
uv run server.py
Session Problems
Delete the
.mm
directory to clear cached sessionsSet
MONARCH_FORCE_LOGIN=true
in your.mcp.json
env section temporarily
Credits
MCP Server
Author: Taurus Colvin (@colvint)
Description: MCP (Model Context Protocol) server wrapper for Monarch Money
MonarchMoney Python Library
Author: hammem (@hammem)
Repository: https://github.com/hammem/monarchmoney
License: MIT License
Description: The underlying Python library that provides API access to Monarch Money
This MCP server wraps the monarchmoney Python library to provide seamless integration with AI assistants through the Model Context Protocol.
Security Notes
Keep your credentials secure in your
.mcp.json
fileThe MFA secret provides full access to your account - treat it like a password
Session files in
.mm
directory contain authentication tokens - keep them secureConsider restricting access to your
.mcp.json
file since it contains sensitive credentials
This server cannot be installed
remote-capable server
The server can be hosted and run remotely because it primarily relies on remote services or has no dependency on the local environment.
An MCP server that provides access to personal financial data from Monarch Money, allowing users to retrieve account information, transactions, budgets, goals, and net worth through natural language queries.
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