Monarch Money MCP Server
Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
| MONARCH_EMAIL | Yes | Your Monarch Money account email. | |
| MONARCH_PASSWORD | Yes | Your Monarch Money account password. | |
| MONARCH_MFA_SECRET | No | TOTP secret key for 2FA (required if account has 2FA enabled). | |
| MONARCH_PROXY_PORT | No | Port for HTTP proxy (default: 8765). | 8765 |
Instructions
Guidance the server publishes about itself, which clients place ahead of the tool catalog so the model reads it before choosing anything.
This server publishes no instructions, or was last inspected before Glama recorded them.
Capabilities
Features and capabilities supported by this server
Protocol revision2025-11-25
| Capability | Details |
|---|---|
| tools | {
"listChanged": false
} |
| resources | {
"subscribe": false,
"listChanged": false
} |
| experimental | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| get_transactionsC | Get transactions with optional date range filtering |
| get_account_detailsB | Get detailed information about specific accounts |
| get_cashflow_analysisC | Get detailed cashflow analysis by category and time period |
| search_transactionsB | Search transactions by description or merchant |
| get_categoriesA | Get all transaction categories configured in the account |
| get_institutionsA | Get all financial institutions linked to Monarch Money |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
No prompts | |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
| Account Information | All linked accounts in Monarch Money |
| Recent Transactions | Last 100 transactions |
| Budget Information | All budgets with actual vs target amounts |
| Cashflow Summary | Income, expenses, and savings summary |
TDQS
Scored across 6 tools
Most tools target distinct resources: transactions, accounts, categories, institutions, and cashflow are clearly separated. The main ambiguity is between get_transactions and search_transactions, since both retrieve transactions, though one filters by date and the other by merchant/description.
All tools use lowercase snake_case with a clear verb_noun pattern, almost uniformly using get_ for retrieval. The one search_ exception still follows the same verb_noun style, making the naming predictable and consistent.
Six tools is a well-scoped size for a read-only personal finance server. Each tool serves a clear purpose and does not feel padded or sparse.
The tool set covers transaction, account, category, institution, and cashflow data, but significant Monarch Money domains are missing, such as budgets, goals, net worth, or investment holdings. It handles core read-only workflows but leaves notable gaps for broader financial management.