Monarch Money MCP Server

An MCP server that connects Claude (and other MCP clients) to your Monarch Money financial data. Query accounts, transactions, and budgets, or update transactions and budget amounts — all through natural language.

Features

Most read tools support a verbosity parameter (ultra-light, light, or standard) to control how much data is returned.

Related MCP server: monarch-mcp

Prerequisites

• Python 3.10+

• A Monarch Money account

• Claude Code or Claude Desktop (or any MCP client)

Installation

From GitHub

pip install git+https://github.com/ezra-quemuel/monarch-mcp.git

From source

git clone https://github.com/ezra-quemuel/monarch-mcp.git
cd monarch-mcp
pip install -e .

Configuration

Environment Variables

Claude Code

claude mcp add monarch-money \
  -e MONARCH_EMAIL=your-email@example.com \
  -e MONARCH_PASSWORD=your-password \
  -e MONARCH_MFA_SECRET=your-totp-secret \
  -- monarch-mcp

Claude Desktop

Add to your Claude Desktop config (~/Library/Application Support/Claude/claude_desktop_config.json on macOS):

{
  "mcpServers": {
    "monarch-money": {
      "command": "monarch-mcp",
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-totp-secret"
      }
    }
  }
}

If you installed from source with a virtual environment, use the full path to the monarch-mcp binary (e.g., /path/to/monarch-mcp/.venv/bin/monarch-mcp).

Known Issues

gql must be pinned to <4.0

The monarchmoney library depends on gql, but gql 4.0 changed the signature of execute_async in a breaking way. This project pins gql<4.0 in its dependencies to avoid this.

Domain rebrand (monarchmoney.com -> monarch.com)

Monarch rebranded their API domain from api.monarchmoney.com to api.monarch.com. The monarchmoney library hasn't been updated yet. This server patches MonarchMoney.BASE_URL at runtime to fix this automatically — no manual action needed.

Budget goals fields

The monarchmoney library's GraphQL query for get_budgets references goals-related fields that no longer exist in the API schema. This server works around this by passing use_legacy_goals=False, use_v2_goals=False. If you still encounter errors, you may need to manually edit the installed monarchmoney library to remove the goals fields from the budget query. Look for the get_budgets query in monarchmoney/__init__.py or the relevant query file and remove the goals { ... } block.

Contributing

Contributions are welcome! Please open an issue or pull request on GitHub.

License

MIT