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oyemecarnal

monarch-mcp-ultimate

by oyemecarnal
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TypeScript
Remote

monarch-mcp-ultimate

The most capable Monarch Money MCP server — merging the best features from all known implementations into one clean TypeScript project.

Features

  • Cookie-based auth for Apple Sign In / passkey / Google users (no email+password needed)

  • Standard email+password auth as a fallback

  • 47 tools covering reads, writes, rules CRUD, merchant management, and intelligence analysis

  • Natural language dates — "last month", "30 days ago", "this year", etc.

  • Compact token-efficient transaction format by default (verbose mode available)

  • Full transaction rules CRUD — get, create, update, delete with exact GraphQL from Monarch's web app

  • Intelligence tools — rule candidates, uncategorized summary, categorization suggestions from history

Related MCP server: monarch-mcp

Authentication

Option A — Cookie Auth (for Apple Sign In / passkey / Google users)

This is the only option if you log in with Apple or Google or a passkey.

  1. Open app.monarch.com in Chrome/Safari

  2. Open DevTools → Application tab → Cookies → app.monarch.com

  3. Copy the value of session_id

  4. Copy the value of csrftoken

{
  "env": {
    "MONARCH_SESSION_ID": "your-session-id-here",
    "MONARCH_CSRF_TOKEN": "your-csrftoken-here"
  }
}

Sessions expire — you'll need to update these when Monarch logs you out (typically every 30 days or on password change).

Option B — Token Auth (email+password users)

Run the login helper to get a token:

cd /Users/kevinreed/Dev/monarch-mcp-ultimate
node -e "
const { login } = require('./dist/auth');
login('your@email.com', 'yourpassword').then(r => console.log('Token:', r.token));
"

Then set MONARCH_TOKEN in your Claude Desktop config.

Claude Desktop Config

Cookie auth (~/.config/claude/claude_desktop_config.json)

{
  "mcpServers": {
    "monarch": {
      "command": "node",
      "args": ["/Users/kevinreed/Dev/monarch-mcp-ultimate/dist/index.js"],
      "env": {
        "MONARCH_SESSION_ID": "abc123...",
        "MONARCH_CSRF_TOKEN": "xyz789..."
      }
    }
  }
}

Token auth

{
  "mcpServers": {
    "monarch": {
      "command": "node",
      "args": ["/Users/kevinreed/Dev/monarch-mcp-ultimate/dist/index.js"],
      "env": {
        "MONARCH_TOKEN": "your-token-here"
      }
    }
  }
}

All 47 Tools

Read Tools (21)

Tool

Description

get_accounts

All accounts; verbosity: compact/full

get_account_balance

Balance for a specific account

get_transactions

Paginated transactions with natural language dates

get_transactions_needing_review

Transactions flagged for review

search_transactions

Keyword/merchant search

get_spending_by_category

Spending totals per category

get_spending_summary

Multi-axis: by category, group, merchant + totals

get_complete_financial_overview

5 parallel API calls — one-shot snapshot

get_budget_summary

Planned vs actual by category

get_cashflow

Income + expenses + savings for a date range

get_net_worth

Total assets minus liabilities

get_monthly_summary

Income/expenses/savings for a month

get_categories

All categories and groups

get_account_snapshots

Historical balance snapshots

get_portfolio

Investment holdings and performance

get_tags

All transaction tags

get_recurring_transactions

Subscriptions, bills, recurring income

get_transaction_rules

All auto-categorization rules

get_goals

Savings goals

get_institutions

Connected institutions and credential status

get_merchant

Merchant details and recurring stream config

Transaction Write Tools (7)

Tool

Description

update_transaction

Category, merchant, amount, date, notes, flags

mark_transaction_reviewed

Mark one or many as reviewed

create_transaction

Create a new manual transaction

delete_transaction

Delete by ID

set_transaction_tags

Set tags (replaces existing)

split_transaction

Split into multiple parts

bulk_update_transactions

Parallel updates with dry_run support

Category / Tag Write Tools (3)

Tool

Description

create_category

New category in a group

delete_category

Delete, optionally moving transactions

create_tag

New transaction tag

Account Write Tools (4)

Tool

Description

update_account

Rename, toggle net worth, hide

delete_account

Delete account

create_manual_account

Create manual account

refresh_accounts

Trigger data refresh

Budget Tools (1)

Tool

Description

set_budget_amount

Set monthly budget for category or group

Rules + Merchant Tools (4)

Tool

Description

create_transaction_rule

Merchant pattern → category + optional tag/hide actions

update_transaction_rule

Update existing rule

delete_transaction_rule

Delete rule by ID

update_merchant

Rename merchant or configure recurring stream

Intelligence Tools (3)

Tool

Description

get_rule_candidates

Suggests rules for merchants with consistent category history

get_uncategorized_summary

Counts uncategorized + needs-review by month

get_categorization_suggestions

Suggests categories for uncategorized transactions based on history

Natural Language Dates

All date fields accept plain English:

Input

Resolves to

today

Today's date

yesterday

Yesterday

this month

First of current month

last month

First of previous month

this year

Jan 1 of current year

last year

Jan 1 of previous year

30 days ago

30 days before today

6 months ago

6 months before today

1 year ago

1 year before today

2025-03-15

Passed through as-is

Example Prompts

"Show me everything I spent on restaurants last month"
→ get_transactions(start_date="last month", end_date="today", category_id=...)

"What's my financial overview?"
→ get_complete_financial_overview()

"How much have I spent in the last 90 days, broken down by category?"
→ get_spending_summary(start_date="90 days ago", end_date="today")

"Find rules I should be creating based on my spending patterns"
→ get_rule_candidates(lookback_days=90, min_confidence=0.8)

"Which uncategorized transactions from last month can be auto-categorized?"
→ get_categorization_suggestions(lookback_days=30)

"Create a rule: anything from Amazon goes to Shopping"
→ create_transaction_rule(merchant_criteria_value="Amazon", merchant_criteria_operator="contains", set_category_id="...")

"Rename the merchant 'AMZN MKTP US' to 'Amazon'"
→ update_merchant(merchant_id="...", name="Amazon")

"Mark all transactions needing review as reviewed"
→ get_transactions_needing_review() → mark_transaction_reviewed(transaction_ids=[...])

"What's my uncategorized backlog for the past 6 months?"
→ get_uncategorized_summary(lookback_months=6)

Build

cd /Users/kevinreed/Dev/monarch-mcp-ultimate
npm install
npm run build

Sources

Built by merging:

  • keithah/monarch-mcp — TypeScript base, Smithery support

  • jamiew/monarch-mcp — Natural language dates, compact format, tool annotations, auth retry

  • robcerda/monarch-mcp-server — Full rules CRUD GraphQL, merchant management, split transactions

  • randallt21/monarch — Intelligence engine: rule candidates, auto-categorization logic

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license - not found
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C
maintenance

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