ZenMoney MCP

Read-only MCP server for ZenMoney. It syncs ZenMoney data into process memory and exposes it through MCP tools and resources. It does not persist financial data or API responses to disk.

Agentic Workflows

The read-only mode is a good fit for agentic workflows with tools such as Hermes and OpenClaw. Agents can analyze transactions in the way the user asks, compare spending patterns, prepare recurring personal-finance reports, and surface anomalies without being able to create, update, or delete ZenMoney data.

Related MCP server: monarch-mcp

Unofficial Project

This is an unofficial project and is not affiliated with, endorsed by, or sponsored by ZenMoney. Users are responsible for complying with ZenMoney terms and for protecting their own access tokens.

MCP Client Config

Use the published CLI through npx and pass runtime configuration through your MCP client:

{
  "mcpServers": {
    "zenmoney": {
      "command": "npx",
      "args": ["-y", "@nonnname/zenmoney-mcp"],
      "env": {
        "ZENMONEY_ACCESS_TOKEN": "paste-token-here",
        "ZENMONEY_SYNC_ON_START": "true",
        "ZENMONEY_API_BASE_URL": "https://api.zenmoney.ru/v8",
        "ZENMONEY_DEFAULT_RESULT_LIMIT": "100",
        "ZENMONEY_MAX_RESULT_LIMIT": "500",
        "ZENMONEY_REQUEST_TIMEOUT_MS": "30000"
      }
    }
  }
}

The same example is available in mcp-config.example.json.

Configuration

ZENMONEY_ACCESS_TOKEN=
ZENMONEY_SYNC_ON_START=true
ZENMONEY_API_BASE_URL=https://api.zenmoney.ru/v8
ZENMONEY_DEFAULT_RESULT_LIMIT=100
ZENMONEY_MAX_RESULT_LIMIT=500
ZENMONEY_REQUEST_TIMEOUT_MS=30000

ZENMONEY_DEFAULT_RESULT_LIMIT and ZENMONEY_MAX_RESULT_LIMIT limit MCP responses from the in-memory snapshot. They do not limit ZenMoney API synchronization.

Local Development

npm install
cp .env.example .env
npm run dev

For a production-like local run from source:

npm run build
npm start

Tools

• zenmoney_sync

• zenmoney_cache_status

• zenmoney_list_accounts

• zenmoney_list_transactions

• zenmoney_get_transaction

• zenmoney_list_tags

• zenmoney_list_merchants

• zenmoney_list_budgets

• zenmoney_suggest_transaction

Resources

• zenmoney://status

• zenmoney://accounts

• zenmoney://transactions

• zenmoney://transactions/{id}

• zenmoney://tags

• zenmoney://merchants

• zenmoney://budgets

• zenmoney://schema/account

• zenmoney://schema/transaction

• zenmoney://schema/tag

• zenmoney://schema/merchant

• zenmoney://schema/budget

Verification

Mocked tests do not need a real ZenMoney token:

npm test
npm run build