Click on "Deploy Server".
Wait a few minutes for the server to deploy. Once ready, it will show a "Started" state.
In the chat, type @ followed by the MCP server name and your instructions, e.g., "@monarch show my spending by category for this month"
That's it! The server will respond to your query, and you can continue using it as needed.
Here is a step-by-step guide with screenshots.
An MCP server and command line tool for Monarch Money. It gives Claude (or any MCP client) access to your accounts, transactions, cash flow, spending, income, budgets, goals, recurring bills, investments, and net worth. It's read-only unless you enable writes, which can only change a transaction's category or tags after you confirm.
Unofficial. This project isn't affiliated with Monarch Money, Inc. It uses Monarch's private web API, which may change without notice.
Requires macOS, Python 3.11+, and uv.
uv tool install 'monarch-money-mcp-cli[mcp]' # or: pipx install 'monarch-money-mcp-cli[mcp]'
monarch auth # email, password, MFA code
monarch doctor # everything should be okAdd it to Claude Code, then restart Claude Code:
claude mcp add monarch -s user -- "$(which monarch)" mcpTo let Claude change transaction categories and tags (it always asks you to confirm), add --allow-writes
after mcp.
Related MCP server: monarch-mcp
Run monarch --help to see all commands, and monarch <command> --help for a command's options.
monarch spending --last-month
monarch cashflow --ytd --entity "Acme LLC"
monarch tx --from 2026-01-01 --output csv > transactions.csv
monarch tx set-category 123456789 --category SubsidyRun monarch doctor. Every row that isn't ok explains the problem, and most include the fix command.
Not logged in or session expired: run monarch auth. If login asks for a CAPTCHA, use monarch auth paste-token.
Monarch is temporarily unavailable: wait a minute and try again.
/mcp doesn't show monarch: restart Claude Code after adding the server.
Your password is never stored, and your session token stays in the macOS Keychain. The tool only talks to
api.monarch.com. It changes data only through the allowlist in SECURITY.md, and only after you
confirm.
This server cannot be deployed
Read-only access to your bank, investment, and crypto accounts: balances, transactions, holdings.
Ask your AI about your own accounts, debts, budgets and goals. OAuth sign-in, read-only by default.
Query your real net worth, spending, transactions, budgets and portfolio from any MCP client.
Read-only banking and personal finance for AI agents: accounts, transactions, spending, budgets.
