Monarch Money MCP Server
Server Configuration
Describes the environment variables required to run the server.
| Name | Required | Description | Default |
|---|---|---|---|
| MONARCH_TOKEN | Yes | Your Monarch Money authentication token |
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 | {} |
Tools
Functions exposed to the LLM to take actions
| Name | Description |
|---|---|
| get_accountsB | Get all financial accounts from Monarch Money |
| get_account_balanceC | Get the current balance for a specific account |
| get_transactionsC | Get recent transactions, optionally filtered by account, date range, or amount |
| get_spending_by_categoryC | Get spending breakdown by category for a specific time period |
| get_budget_summaryB | Get current budget summary showing planned vs actual spending |
| search_transactionsC | Search transactions by description, merchant, or amount |
| get_net_worthB | Get current net worth and assets/liabilities breakdown |
| get_monthly_summaryC | Get monthly financial summary including income, expenses, and savings |
| get_categoriesB | Get all transaction categories available in Monarch Money |
| get_account_snapshotsB | Get balance history for a specific account over time |
| get_portfolioB | Get current investment portfolio summary, including holdings and performance |
Prompts
Interactive templates invoked by user choice
| Name | Description |
|---|---|
No prompts | |
Resources
Contextual data attached and managed by the client
| Name | Description |
|---|---|
No resources | |
TDQS
Scored across 11 tools
Every tool has a clearly distinct purpose targeting specific financial data endpoints, with no overlap or ambiguity. For example, get_account_balance focuses on current balance, while get_account_snapshots provides historical data, and get_spending_by_category analyzes spending patterns separately from get_transactions.
All tools follow a consistent verb_noun naming pattern with 'get_' prefix, making them predictable and readable. The structure is uniform across all 11 tools, such as get_accounts, get_budget_summary, and get_net_worth, with no deviations in style or convention.
The 11 tools are well-scoped for a personal finance server, covering key areas like accounts, transactions, budgets, and investments. Each tool earns its place by addressing a distinct aspect of financial management without being excessive or insufficient for the domain.
The tool set provides comprehensive read-only coverage for financial data retrieval, including accounts, transactions, budgets, and net worth. A minor gap exists in write operations (e.g., updating transactions or budgets), but agents can still perform most analysis and reporting tasks effectively.