Retrieve all linked financial accounts.

Fetch transactions with flexible date filtering and smart output formatting.

Args: limit: Maximum number of transactions to return (default: 100, max: 1000) offset: Number of transactions to skip for pagination (default: 0) start_date: Filter transactions from this date onwards. Supports natural language like 'last month', 'yesterday', '30 days ago' NOTE: If you provide start_date without end_date, end_date will auto-default to 'today' end_date: Filter transactions up to this date. Supports natural language NOTE: If you provide end_date without start_date, start_date will auto-default to 'this month' account_id: Filter by specific account ID (converted to list internally) category_id: Filter by specific category ID (converted to list internally) tag_ids: Comma-separated tag IDs to filter by (e.g., "tag1,tag2") has_attachments: Filter to transactions with (True) or without (False) attachments has_notes: Filter to transactions with (True) or without (False) notes hidden_from_reports: Include hidden transactions (True), exclude them (False), or show all (None) is_split: Filter to split transactions only (True) or non-split (False) is_recurring: Filter to recurring transactions only (True) or non-recurring (False) verbose: Output format control (default: False) - False (compact mode): Returns essential fields only (~80% smaller) Fields included: id, date, amount, merchant, plaidName, category, account, pending, needsReview, notes

    - True (verbose mode): Returns ALL fields including:
        Essential fields (same as compact) PLUS:
        • hideFromReports (bool)
        • reviewStatus (str: "needs_review" | "reviewed" | null)
        • isSplitTransaction (bool)
        • isRecurring (bool)
        • attachments (list of attachment objects)
        • tags (list of tag objects)
        • createdAt (ISO timestamp)
        • updatedAt (ISO timestamp)
        • __typename (GraphQL metadata)
        • Full nested objects with all their fields

    Use verbose=False for most queries to reduce token usage.
    Use verbose=True when you need: timestamps, split info, attachment details,
    or are updating transactions (need full context).

Key Transaction Fields: Core Identifiers: - id: Unique transaction ID (required for updates) - date: Transaction date (YYYY-MM-DD format) - amount: Transaction amount (negative = expense, positive = income)

Merchant Information:
    IMPORTANT: Monarch normalizes merchant names for cleaner UI
    - merchant.name: User-facing display name shown in Monarch UI (normalized/cleaned)
        Example: "Chipotle" for all Chipotle locations
    - plaidName: Original bank statement text from Plaid/institution (raw data)
        Example: "CHIPOTLE 4963", "CHIPOTLE MEX GR ONLINE", "CHIPOTLE 1879"
        Use this to see location numbers or original descriptors
    - Multiple transactions from different locations share the same merchant.name
    - Use plaidName to distinguish between specific locations/variants

Categorization:
    - category.id: Category ID (for filtering/updates)
    - category.name: Category display name (e.g., "Restaurants & Bars")
    - tags: List of tag objects applied to transaction

Account Info:
    - account.id: Account ID where transaction occurred
    - account.displayName: Account name (e.g., "Main Credit Card")

Status Flags:
    - pending: True if transaction hasn't cleared yet
    - needsReview: True if flagged for user review
    - reviewStatus: "needs_review", "reviewed", or null
    - hideFromReports: True if hidden from budget/reports

Transaction Types:
    - isSplitTransaction: True if split into multiple categories
    - isRecurring: True if part of a recurring series

User Annotations:
    NOTE: These are different fields with different purposes
    - notes: Free-form user memo/annotation (e.g., "Business lunch with client")
    - merchant_name: The merchant's display name (e.g., "Olive Garden")
    - Both are editable, but serve different purposes in the UI
    - attachments: List of receipt/document attachments

Metadata (verbose mode only):
    - createdAt: When transaction was first imported
    - updatedAt: Last modification timestamp
    - __typename: GraphQL type information

Returns: JSON string containing transaction list

Common Filter Examples: - Unreviewed transactions: has_notes=False, needs_review=True - Split transactions: is_split=True - Transactions with receipts: has_attachments=True - Manual transactions: synced_from_institution=False

Search transactions by text using Monarch Money's built-in search.

Searches merchant names, descriptions, notes, and other fields. Accepts all the same filters as get_transactions plus a search query. Returns compact results by default (use verbose=True for full details).

Args: query: Search term to find in transactions limit: Maximum transactions to return (default: 500, max: 1000) offset: Number of transactions to skip for pagination start_date: Filter from this date (supports natural language like 'last month') end_date: Filter to this date (supports natural language) account_id: Filter by specific account ID category_id: Filter by specific category ID tag_ids: Comma-separated tag IDs to filter by has_attachments: Filter by attachment presence has_notes: Filter by notes presence hidden_from_reports: Filter by report visibility is_split: Filter split transactions is_recurring: Filter recurring transactions verbose: False=compact fields, True=all fields

Returns: JSON with search_metadata and matching transactions

Retrieve budget information with flexible date filtering.

Args: start_date: Filter budgets from this date onwards. Supports natural language like 'last month', 'this year' end_date: Filter budgets up to this date. Supports natural language

Returns: JSON string containing budget information

Analyze cashflow data with flexible date filtering.

Args: start_date: Filter cashflow from this date onwards. Supports natural language like 'last month', 'this year' end_date: Filter cashflow up to this date. Supports natural language

Returns: JSON string containing cashflow analysis

List all transaction categories.

Args: verbose: Output format control (default: False) - False: Returns compact format with just {id, name} per category (~80% smaller). Ideal for category lookups when mapping names to IDs. - True: Returns full category details including group, order, timestamps, system flags.

Returns: JSON string containing category list

Create a new manual transaction.

Args: amount: Transaction amount (positive for income, negative for expense) merchant_name: Name of the merchant/payee (e.g., "Starbucks", "Monthly Rent") account_id: ID of the account for this transaction date: Transaction date in YYYY-MM-DD format category_id: ID of the category to assign (required for new transactions) notes: Optional notes/memo for this transaction update_balance: Whether to update account balance when creating this transaction (default: False) - False: Transaction is recorded but doesn't affect account balance (typical for synced accounts) - True: Adjusts account balance by transaction amount (useful for manual accounts)

Returns: JSON string with created transaction details

Update an existing transaction.

Args: transaction_id: ID of the transaction to update (required) amount: New transaction amount merchant_name: New merchant display name shown in Monarch UI - This updates the user-facing name (merchant.name field) - Does NOT change plaidName (original bank statement text, read-only) - Empty strings are ignored by the API - Example: Change "AMZN Mktp US" to "Amazon" category_id: ID of the new category to assign date: New transaction date in YYYY-MM-DD format notes: User notes/memo for this transaction (separate from merchant name) NOTE: This is different from merchant_name - notes: Free-form user memo/annotation (e.g., "Business lunch with client") - merchant_name: The merchant's display name (e.g., "Olive Garden") - Both are editable, but serve different purposes in the UI - Use empty string "" to clear existing notes goal_id: ID of savings goal to associate with this transaction - Use empty string "" to clear goal association hide_from_reports: Whether to hide this transaction from reports/analytics needs_review: Flag transaction as needing review

Field Editability: Editable Fields (can be updated): - amount: Transaction amount - merchant_name: User-facing merchant display name - category_id: Category assignment - date: Transaction date - notes: User memo/notes - goal_id: Goal association - hide_from_reports: Visibility in reports - needs_review: Review flag

Read-Only Fields (cannot be updated):
    - id: Transaction ID (immutable)
    - plaidName: Original bank statement text (from institution)
    - account: Account where transaction occurred
    - pending: Pending status (controlled by institution)
    - createdAt: Creation timestamp
    - isSplitTransaction: Split status (use separate split API)
    - attachments: Use separate attachment API

Returns: JSON string with updated transaction details

Common Use Cases: - Change merchant: merchant_name="Starbucks" - Add note: notes="Business expense" - Recategorize: category_id="cat_groceries_123" - Mark for review: needs_review=True - Clear notes: notes=""

Update multiple transactions in a single call to save round-trips.

This is much more efficient than calling update_transaction multiple times. Updates are executed in parallel for maximum performance.

Args: updates: JSON string containing list of transaction updates. Each update should have: - transaction_id (required): ID of transaction to update - amount (optional): New amount - merchant_name (optional): New merchant display name - category_id (optional): New category ID - date (optional): New date in YYYY-MM-DD format - notes (optional): New notes - goal_id (optional): Goal ID or empty string to clear - hide_from_reports (optional): Boolean visibility flag - needs_review (optional): Boolean review flag

Example: [ {"transaction_id": "123", "category_id": "cat_456", "notes": "Updated"}, {"transaction_id": "789", "merchant_name": "Starbucks", "needs_review": false} ]

Returns: JSON with results for each transaction including successes and any failures

Get investment portfolio data (holdings) for a brokerage account.

Args: account_id: ID of the investment/brokerage account to fetch holdings for.

Get historical account balance data.

Get linked financial institutions.

Get scheduled recurring transactions.

Set budget amount for a category.

Create a manually tracked account.

Get intelligent spending summary with aggregations.

Args: start_date: Start date (supports natural language like 'last month') end_date: End date (supports natural language) group_by: Group spending by 'category', 'account', or 'month'

Request a refresh of all account data from financial institutions.

Get complete financial overview in a single call - accounts, transactions, budgets, cashflow.

This intelligent batch tool combines multiple API calls to provide comprehensive financial analysis, reducing round-trips and providing deeper insights.

Args: period: Time period for analysis ("this month", "last month", "this year", etc.)

Intelligent spending pattern analysis with trend forecasting.

Combines multiple data sources to provide deep spending insights including:

• Monthly spending trends by category

• Account usage patterns

• Budget performance analysis

• Predictive spending forecasts

Args: lookback_months: Number of months to analyze (default 6) include_forecasting: Whether to include spending forecasts