# Monarch Money MCP Server

An MCP (Model Context Protocol) server that provides access to Monarch Money financial data and operations.

## Features

- **Account Management**: List and retrieve account information
- **Transaction Operations**: Get transactions with filtering by date range, accounts, and categories
- **Budget Analysis**: Access budget data and spending insights
- **Category Management**: List and manage transaction categories
- **Goal Tracking**: Access financial goals and progress
- **Net Worth Tracking**: Retrieve net worth snapshots over time

## Installation

1. Clone or download this MCP server
2. Install dependencies:
   ```bash
   cd /path/to/monarch-money-mcp
   uv sync
   ```

## Configuration

Add the server to your `.mcp.json` configuration file:

```json
{
  "mcpServers": {
    "monarch-money": {
      "command": "/path/to/uv",
      "args": [
        "--directory", 
        "/path/to/monarch-money-mcp",
        "run",
        "python",
        "server.py"
      ],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}
```

**Important Notes:**
- Replace `/path/to/uv` with the full path to your `uv` executable (find it with `which uv`)
- Replace `/path/to/monarch-money-mcp` with the absolute path to this server directory
- Use absolute paths, not relative paths
- Do not keep `server.py` running manually in an interactive terminal. This MCP server is stdio-only and should be spawned by your MCP client over pipes.
- Interactive launches now refuse to start by default to avoid duplicate long-lived Python processes and EDR false positives.
- If you intentionally need a one-off manual launch for debugging, set `MONARCH_ALLOW_INTERACTIVE_SERVER=1`.

### Getting Your MFA Secret

1. Go to Monarch Money settings and enable 2FA
2. When shown the QR code, look for the "Can't scan?" or "Enter manually" option
3. Copy the secret key (it will be a string like `T5SPVJIBRNPNNINFSH5W7RFVF2XYADYX`)
4. Use this as your `MONARCH_MFA_SECRET`

## Available Tools

### `get_accounts`
List all accounts with their balances and details.

### `get_transactions`
Get transactions with optional filtering:
- `start_date`: Filter transactions from this date (YYYY-MM-DD)
- `end_date`: Filter transactions to this date (YYYY-MM-DD)
- `account_ids`: List of account IDs to filter by
- `category_ids`: List of category IDs to filter by
- `limit`: Maximum number of transactions to return

### `get_categories`
List all transaction categories.

### `get_budgets`
Get budget information and spending analysis.

### `get_goals`
List financial goals and their progress.

### `get_cashflow`
Get cashflow data for income and expense analysis.

### `get_investments`
Get investment account details and performance.

### `get_net_worth`
Get net worth snapshots over time.

## Usage Examples

### Basic Account Information
```
Use the get_accounts tool to see all my accounts and their current balances.
```

### Transaction Analysis
```
Get all transactions from January 2024 using get_transactions with start_date "2024-01-01" and end_date "2024-01-31".
```

### Rule Candidate Analysis
```
Use the CLI: uv run python -m monarch.sync rule-candidates --months 6
```

### Review Resolution
```
Use the CLI: uv run python -m monarch.update resolve-review
Use the CLI: uv run python -m monarch.update bulk-categorize OpenAI "AI & Infra" --months 18 --exact --negative-only --yes
```

### Daily Dashboard
```
Use the CLI: uv run python -m monarch.sync dashboard
```

### Scheduled Maintenance
```
Use the CLI: uv run python -m monarch.maintain --dry-run
Use the CLI: uv run python -m monarch.maintain --refresh
Use the CLI: uv run python -m monarch.maintain --json
Use the CLI: uv run python -m monarch.scheduler install-launchd --hour 9 --minute 0
Use the CLI: uv run python -m monarch.scheduler status
Use the CLI: uv run python -m monarch.scheduler run-job --dry-run
Use the CLI: uv run python -m monarch.scheduler uninstall-launchd
Use the CLI: uv run python -m monarch.codex_audit run-agent
Use the CLI: uv run python -m monarch.codex_audit install-launchd --weekday 1 --hour 12 --minute 0
Use the CLI: uv run python -m monarch.codex_audit status
Use the CLI: uv run python -m monarch.codex_audit uninstall-launchd
```

### Repo Policy Overrides
```
Edit monarch-policies.json to encode merchant exceptions that should not become broad Monarch rules.
Example: a one-off merchant gift purchase can map to Gifts in the scheduler without creating a permanent in-app merchant rule.
```

### Rule Management
```
Use the CLI: uv run python -m monarch.rules list
Use the CLI: uv run python -m monarch.rules preview --merchant "Target" --category Shopping
Use the CLI: uv run python -m monarch.rules update RULE_ID --category Shopping --dry-run
```

### Category Management
```
Use the CLI: uv run python -m monarch.categories list --group Business
Use the CLI: uv run python -m monarch.categories create --group Business --name "AI & Infra" --icon "🤖" --budget 250 --future
```

### Budget Tracking
```
Show me my current budget status using the get_budgets tool.
```

## Session Management

The server automatically manages authentication sessions:
- Sessions are cached in a `.mm` directory for faster subsequent logins
- The session cache is automatically created and managed
- Use `MONARCH_FORCE_LOGIN=true` in the env section to force a fresh login if needed

## Troubleshooting

### MFA Issues
- Ensure your MFA secret is correct and properly formatted
- Try setting `MONARCH_FORCE_LOGIN=true` in your `.mcp.json` env section
- Check that your system time is accurate (required for TOTP)

### Connection Issues
- Verify your email and password are correct in `.mcp.json`
- Check your internet connection
- If you need a one-off manual debug launch, explicitly allow it:
  ```bash
  MONARCH_ALLOW_INTERACTIVE_SERVER=1 uv run server.py
  ```

### Session Problems
- Delete the `.mm` directory to clear cached sessions
- Set `MONARCH_FORCE_LOGIN=true` in your `.mcp.json` env section temporarily

### launchd Automation
- The local scheduler writes summaries to `~/Library/Application Support/monarch-money-mcp/maintain/`
- The latest human-readable successful summary is `~/Library/Application Support/monarch-money-mcp/maintain/latest-summary.txt`
- The latest machine-readable successful summary is `~/Library/Application Support/monarch-money-mcp/maintain/latest-summary.json`
- The latest failure artifacts are `~/Library/Application Support/monarch-money-mcp/maintain/latest-error.txt` and `latest-error.json`
- stdout and stderr logs live in `~/Library/Logs/monarch-money-mcp/`
- Both automation surfaces prune old run artifacts and trim logs so they do not grow without bound
- Install the LaunchAgent with:
  ```bash
  uv run python -m monarch.scheduler install-launchd --hour 9 --minute 0
  ```

### Codex Audit Automation
- The weekly engineering agent writes artifacts to `~/Library/Application Support/monarch-money-mcp/codex-audit/`
- It is allowed to improve repo code, but not to mutate live Monarch data
- Its structured prompt lives in `automation/codex-audit-prompt.md`
- Its output contract lives in `automation/codex-audit-output.schema.json`
- Install it for Monday noon with:
  ```bash
  uv run python -m monarch.codex_audit install-launchd --weekday 1 --hour 12 --minute 0
  ```
- `status` now reports an explicit health line so stale or failing automation is easier to spot

## Credits

### MCP Server
- **Author**: Taurus Colvin ([@colvint](https://github.com/colvint))
- **Description**: MCP (Model Context Protocol) server wrapper for Monarch Money

### MonarchMoney Python Library
- **Author**: hammem ([@hammem](https://github.com/hammem))
- **Repository**: [https://github.com/hammem/monarchmoney](https://github.com/hammem/monarchmoney)
- **License**: MIT License
- **Description**: The underlying Python library that provides API access to Monarch Money

This MCP server wraps the monarchmoney Python library to provide seamless integration with AI assistants through the Model Context Protocol.

## Security Notes

- Keep your credentials secure in your `.mcp.json` file
- The MFA secret provides full access to your account - treat it like a password
- Session files in `.mm` directory contain authentication tokens - keep them secure
- Consider restricting access to your `.mcp.json` file since it contains sensitive credentials