monarchmoney-node

get_accounts

Retrieve all linked bank, credit, investment, and manual accounts with their current balances for a complete financial overview.

Instructions

Get all linked bank, credit, investment, and manual accounts with current balances.

Tool call template

This tool declares no required parameters. Add optional parameters from the input schema as needed.

{
  "id": 1,
  "jsonrpc": "2.0",
  "method": "tools/call",
  "params": {
    "arguments": {},
    "name": "get_accounts"
  }
}

Input Schema

Name	Required	Description	Default
No arguments

Schema Changelog

Changes observed during successful MCP inspections.

First observedv0.3.1May 28, 2026

TDQS

A4/5.0

Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description carries the full burden. It discloses that balances are returned, but does not mention data freshness, whether accounts are filtered (e.g., active only), or any performance implications. It is fairly transparent for a simple read operation but lacks depth.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single sentence with no unnecessary words. It is front-loaded and efficient.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

The tool is simple with no parameters. The description mentions balances, but lacks detail on the return format (e.g., list of account objects). Since there is no output schema, a touch more detail would be beneficial, but it's acceptable given the tool's simplicity.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

There are no parameters, and schema description coverage is 100%. The description does not need to add parameter details as none exist. Baseline is 4 due to zero parameters and full coverage.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the action (get all linked accounts) and includes specific account types (bank, credit, investment, manual) and current balances. It distinguishes from sibling tools like get_account_history and get_account_holdings which have narrower scopes.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implies usage for retrieving a broad set of accounts, but does not explicitly state when to use this tool versus alternatives like get_recent_account_balances or get_aggregate_snapshots. No exclusions or context are provided.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.