Monarch Money MCP Server

A Model Context Protocol (MCP) server for integrating with the Monarch Money personal finance platform. This server provides seamless access to your financial accounts, transactions, budgets, and analytics through Claude Desktop and Claude Code.

My MonarchMoney referral: https://www.monarchmoney.com/referral/ufmn0r83yf?r_source=share

Built with the MonarchMoneyCommunity Python library - An actively maintained community fork of the Monarch Money API with full MFA support.

🚀 Quick Start

1. Installation

1. Clone this repository:

   git clone https://github.com/robcerda/monarch-mcp-server.git
   cd monarch-mcp-server
   

2. Install dependencies:

   Using pip:

   pip install -r requirements.txt
   pip install -e .
   

   Using uv (alternative):

   uv sync
   

3. Configure Claude Desktop: Add this to your Claude Desktop configuration file:

   macOS: ~/Library/Application Support/Claude/claude_desktop_config.json

   Windows: %APPDATA%\Claude\claude_desktop_config.json

   {
     "mcpServers": {
       "Monarch Money": {
         "command": "/opt/homebrew/bin/uv",
         "args": [
           "run",
           "--with",
           "mcp[cli]",
           "--with-editable",
           "/path/to/your/monarch-mcp-server",
           "mcp",
           "run",
           "/path/to/your/monarch-mcp-server/src/monarch_mcp_server/server.py"
         ]
       }
     }
   }
   

   Important: Replace /path/to/your/monarch-mcp-server with your actual path!

4. Restart Claude Desktop

OR

3. Configure Claude Code (CLI): Add this to your Claude Code configuration file:

   Global (all projects):

   macOS/Linux: ~/.claude.json

   Windows: %USERPROFILE%\.claude.json

   {
     "mcpServers": {
       "Monarch Money": {
         "command": "/opt/homebrew/bin/uv",
         "args": [
           "run",
           "--with",
           "mcp[cli]",
           "--with-editable",
           "/path/to/your/monarch-mcp-server",
           "mcp",
           "run",
           "/path/to/your/monarch-mcp-server/src/monarch_mcp_server/server.py"
         ]
       }
     }
   }
   

   Project-level (specific directory):

   Create .mcp.json in your project directory:

   {
     "Monarch Money": {
       "command": "/opt/homebrew/bin/uv",
       "args": [
         "run",
         "--with",
         "mcp[cli]",
         "--with-editable",
         "/path/to/your/monarch-mcp-server",
         "mcp",
         "run",
         "/path/to/your/monarch-mcp-server/src/monarch_mcp_server/server.py"
       ]
     }
   }
   

   If installed via pip instead of uv, use:

   {
     "command": "python",
     "args": ["/path/to/your/monarch-mcp-server/src/monarch_mcp_server/server.py"]
   }
   

   Important: Replace /path/to/your/monarch-mcp-server with your actual path!

4. Restart Claude Code

2. One-Time Authentication Setup

Important: For security and MFA support, authentication is done outside of Claude.

Option A: Email/Password Login

Open Terminal and run:

Using python:

cd /path/to/your/monarch-mcp-server
python login_setup.py

Using uv:

cd /path/to/your/monarch-mcp-server
uv run python login_setup.py

Follow the prompts:

• Enter your Monarch Money email and password
• Provide 2FA code if you have MFA enabled
• Session will be saved automatically

3. Start Using

Once authenticated, use these tools directly in Claude Desktop or Claude Code:

• get_accounts - View all your financial accounts
• get_transactions - Recent transactions with filtering
• get_budgets - Budget information and spending
• get_cashflow - Income/expense analysis

✨ Features

📊 Account Management

• Get Accounts: View all linked financial accounts with balances and institution info
• Get Account Holdings: See securities and investments in investment accounts
• Refresh Accounts: Request real-time data updates from financial institutions

💰 Transaction Access

• Get Transactions: Fetch transaction data with filtering by date, account, and pagination
• Create Transaction: Add new transactions to accounts
• Update Transaction: Modify existing transactions (amount, description, category, date)

🏷️ Category Management

• Get Categories: List all transaction categories with groups, icons, and metadata
• Get Category Groups: View category groups with their associated categories

📋 Transaction Review

• Get Transactions Needing Review: Find transactions that need attention (uncategorized, no notes, flagged)
• Set Transaction Category: Assign a category to a transaction
• Update Transaction Notes: Add or update notes on transactions (great for receipt links)
• Mark Transaction Reviewed: Clear the needs_review flag on transactions

📦 Bulk Operations

• Bulk Categorize Transactions: Apply a category to multiple transactions at once

🔖 Tag Management

• Get Tags: List all available tags with colors and usage counts
• Set Transaction Tags: Apply tags to a transaction
• Create Tag: Create a new tag with custom name and color

🔍 Advanced Search

• Search Transactions: Comprehensive search with filters for merchant, category, account, tags, date ranges, and amounts
• Get Transaction Details: Retrieve complete details for a single transaction
• Delete Transaction: Remove a transaction
• Get Recurring Transactions: View upcoming recurring transactions

🤖 Transaction Rules (Auto-Categorization)

• Get Transaction Rules: List all auto-categorization rules
• Create Transaction Rule: Create rules with merchant/amount conditions to auto-categorize
• Update Transaction Rule: Modify existing rules
• Delete Transaction Rule: Remove a rule

🔄 Merchant & Recurring Stream Management

• Get Merchant: View a merchant's details including recurring transaction stream configuration
• Update Merchant: Modify a merchant's name and/or recurring stream settings (frequency, amount, base date)
• Review Recurring Stream: Accept, ignore, or reset recurring transaction streams detected by Monarch

✂️ Transaction Splits

• Get Transaction Splits: View how a transaction has been split into parts
• Split Transaction: Divide a single transaction into multiple parts with different categories or merchants

💵 Budget Management

• Get Budgets: Access budget information including spent amounts and remaining balances by category
• Set Budget Amount: Create or modify budget amounts for any category or category group

📈 Net Worth Tracking

• Get Net Worth: Track total net worth over time with daily snapshots and trend analysis
• Get Account Balance History: View historical balance data for any account
• Get Net Worth by Account Type: See net worth breakdown across account types (checking, savings, investments, etc.)

📊 Financial Analysis

• Get Cashflow: Analyze financial cashflow over specified date ranges with income/expense breakdowns
• Get Transactions Summary: Quick high-level statistics about your transactions
• Get Spending Summary: Spending breakdown by category with totals

🔐 Secure Authentication

• One-Time Setup: Authenticate once, use for weeks/months
• MFA Support: Full support for two-factor authentication
• SSO/Google sign-in: Use monarch_login_with_token to paste a session token from your browser
• Session Persistence: No need to re-authenticate frequently
• Secure: Credentials never pass through Claude

🛠️ Available Tools