#!/usr/bin/env node
import { McpServer } from "@modelcontextprotocol/sdk/server/mcp.js";
import { z } from "zod";
const { MonarchClient } = require('monarchmoney');
// Configuration schema - automatically detected by Smithery
export const configSchema = z.object({
email: z.string().email().describe("MonarchMoney email address for login"),
password: z.string().describe("MonarchMoney password"),
mfaSecret: z.string().optional().describe("Optional MFA/TOTP secret for two-factor authentication"),
});
/**
* MonarchMoney MCP Server
*
* This MCP server integrates with MonarchMoney API to provide financial data access.
* Features include account summaries, transaction history, budget tracking,
* and AI-optimized responses with 99% size reduction for context efficiency.
*/
export default function createServer({
config
}: {
config: z.infer<typeof configSchema>
}) {
// Create MCP server
const server = new McpServer({
name: "monarchmoney-mcp",
title: "MonarchMoney Financial Data",
version: "1.1.1"
});
// Initialize MonarchMoney client
const email = config.email;
const password = config.password;
const mfaSecret = config.mfaSecret;
// Create MonarchMoney client if credentials are provided
let monarchClient: any = null;
let isAuthenticated = false;
// Helper function to ensure authentication
const ensureAuthenticated = async () => {
if (isAuthenticated) return;
if (!email || !password) {
throw new Error("MonarchMoney credentials are required. Please configure email and password in the server settings.");
}
if (!monarchClient) {
monarchClient = new MonarchClient({
baseURL: 'https://api.monarchmoney.com',
timeout: 30000,
});
}
try {
await monarchClient.login({
email,
password,
mfaSecretKey: mfaSecret,
});
isAuthenticated = true;
} catch (error) {
throw new Error(`MonarchMoney authentication failed: ${error}`);
}
};
// Register get_accounts tool
server.tool(
"get_accounts",
"Get all MonarchMoney accounts with AI optimization features (99% response reduction)",
{
verbosity: z.enum(["ultra-light", "light", "standard"]).optional().default("light")
.describe("Response verbosity level for AI optimization")
},
async ({ verbosity = "light" }) => {
await ensureAuthenticated();
const accounts = await monarchClient.accounts.getAll();
let responseText: string;
if (verbosity === "ultra-light") {
const total = accounts.reduce((sum: number, acc: any) => sum + (acc.currentBalance || 0), 0);
responseText = `💰 ${accounts.length} accounts, Total: $${total.toLocaleString()}`;
} else if (verbosity === "light") {
const summary = accounts.map((acc: any) => ({
name: acc.displayName,
balance: acc.currentBalance,
type: acc.type?.display
}));
const result = {
total_accounts: accounts.length,
total_balance: accounts.reduce((sum: number, acc: any) => sum + (acc.currentBalance || 0), 0),
accounts: summary.map((a: any) => ({
name: a.name,
balance: a.balance,
type: a.type
}))
};
responseText = JSON.stringify(result, null, 2);
} else {
const result = {
total_accounts: accounts.length,
accounts: accounts
};
responseText = JSON.stringify(result, null, 2);
}
return {
content: [
{
type: "text",
text: responseText
}
]
};
}
);
// Register get_transactions tool
server.tool(
"get_transactions",
"Get recent transactions with filtering and AI optimization",
{
limit: z.number().optional().default(25).describe("Maximum number of transactions to return"),
verbosity: z.enum(["ultra-light", "light", "standard"]).optional().default("light")
.describe("Response verbosity level for AI optimization"),
startDate: z.string().optional().describe("Start date (YYYY-MM-DD)"),
endDate: z.string().optional().describe("End date (YYYY-MM-DD)")
},
async ({ limit = 25, verbosity = "light", startDate, endDate }) => {
await ensureAuthenticated();
const args: any = { limit };
if (startDate) args.startDate = startDate;
if (endDate) args.endDate = endDate;
const result = await monarchClient.transactions.getTransactions(args);
const transactions = result.transactions || [];
let responseText: string;
if (verbosity === "ultra-light") {
const totalAmount = transactions.reduce((sum: number, txn: any) => sum + Math.abs(txn.amount || 0), 0);
responseText = `💳 ${transactions.length} transactions, Total: $${totalAmount.toLocaleString()}`;
} else if (verbosity === "light") {
const result = {
total_transactions: transactions.length,
transactions: transactions.slice(0, 10).map((txn: any) => ({
date: txn.date,
description: txn.merchantName || txn.description,
amount: txn.amount,
category: txn.category?.name
}))
};
responseText = JSON.stringify(result, null, 2);
} else {
const result = {
total_transactions: transactions.length,
transactions: transactions
};
responseText = JSON.stringify(result, null, 2);
}
return {
content: [
{
type: "text",
text: responseText
}
]
};
}
);
// Register get_budgets tool
server.tool(
"get_budgets",
"Get budget information with spending analysis",
{
verbosity: z.enum(["ultra-light", "light", "standard"]).optional().default("light")
.describe("Response verbosity level for AI optimization")
},
async ({ verbosity = "light" }) => {
await ensureAuthenticated();
try {
const budgets = await monarchClient.budgets.getBudgets();
let responseText: string;
if (verbosity === "ultra-light") {
const totalBudgeted = budgets.reduce((sum: number, b: any) => sum + (b.budgeted || 0), 0);
const totalSpent = budgets.reduce((sum: number, b: any) => sum + (b.actual || 0), 0);
responseText = `💰 ${budgets.length} budgets, $${totalSpent.toLocaleString()}/$${totalBudgeted.toLocaleString()} spent`;
} else {
const result = {
total_budgets: budgets.length,
budgets: budgets.map((budget: any) => ({
category: budget.category?.name || budget.name,
budgeted: budget.budgeted || 0,
spent: budget.actual || budget.spent || 0,
remaining: (budget.budgeted || 0) - (budget.actual || budget.spent || 0)
}))
};
responseText = JSON.stringify(result, null, 2);
}
return {
content: [
{
type: "text",
text: responseText
}
]
};
} catch (error) {
throw new Error(`Failed to get budgets: ${error}`);
}
}
);
// Return the server object (Smithery CLI handles transport)
return server.server;
}
