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

Tool	Description	Parameters
setup_authentication	Get setup instructions	None
check_auth_status	Check authentication status	None
get_accounts	Get all financial accounts	None
get_transactions	Get transactions with filtering and reconciliation fields	limit, offset, start_date, end_date, account_id, account_ids, category_ids, category_group_ids, tag_ids, search, wide_search, search_scan_limit, has_notes, is_split, is_recurring
get_budgets	Get budget information	start_date, end_date
set_budget_amount	Set budget for a category	amount, category_id, category_group_id, start_date, apply_to_future
get_cashflow	Get cashflow analysis	start_date, end_date
get_net_worth	Get net worth history	start_date, end_date, account_type
get_account_balance_history	Get account balance history	account_id
get_net_worth_by_account_type	Get net worth by account type	start_date, timeframe
get_account_holdings	Get investment holdings	account_id
create_transaction	Create new transaction	account_id, amount, description, date, category_id, merchant_name
update_transaction	Update existing transaction	transaction_id, amount, description, category_id, date
refresh_accounts	Request account data refresh	account_ids (optional — defaults to all active, visible accounts)
get_categories	List all transaction categories	None
get_category_groups	List category groups with categories	None
get_transactions_needing_review	Get transactions needing review	needs_review, days, uncategorized, no_notes
set_transaction_category	Set category on a transaction	transaction_id, category_id, mark_reviewed
update_transaction_notes	Update notes on a transaction	transaction_id, notes
mark_transaction_reviewed	Mark transaction as reviewed	transaction_id
bulk_categorize_transactions	Categorize multiple transactions	transaction_ids, category_id
get_tags	List all tags	None
set_transaction_tags	Set tags on a transaction	transaction_id, tag_ids
create_tag	Create a new tag	name, color
search_transactions	Search transactions with filters	search, category_ids, account_ids, tag_ids, start_date, end_date, min_amount, max_amount
get_transaction_details	Get details of a transaction	transaction_id
delete_transaction	Delete a transaction	transaction_id
get_recurring_transactions	Get recurring transactions	None
get_transaction_rules	List auto-categorization rules	None
create_transaction_rule	Create an auto-categorization rule	merchant_criteria_operator, merchant_criteria_value, set_category_id, add_tag_ids, amount_operator, amount_value
update_transaction_rule	Update an existing rule	rule_id, merchant_criteria_operator, merchant_criteria_value, set_category_id
delete_transaction_rule	Delete a rule	rule_id
get_merchant	Get merchant details with recurring stream	merchant_id
update_merchant	Update merchant name/recurring stream	merchant_id, name, is_recurring, frequency, base_date, amount, is_active
review_recurring_stream	Set recurring stream review status	stream_id, review_status
get_transaction_splits	Get splits for a transaction	transaction_id
split_transaction	Split a transaction into parts	transaction_id, splits (JSON array)
get_transactions_summary	Get high-level transaction statistics	None
get_spending_summary	Get spending breakdown by category	start_date, end_date, limit

📝 Usage Examples

View Your Accounts

Use get_accounts to show me all my financial accounts

Get Recent Transactions

Show me my last 50 transactions using get_transactions with limit 50

get_transactions returns a JSON object with tool, args, count, total_count, truncated, search, and data so large agent-tools/<uuid>.txt responses are self-describing. Transaction rows live in data and include original_statement / plaid_description when Monarch provides the underlying Plaid statement text, plus currency, direction, direction_source, transaction_type, category_group, and category_group_id when those values can be derived from Monarch response data. When Monarch's server-side search errors or returns no rows, wide_search scans recent transactions locally across merchant, original statement, description, notes, category, account, and tags.

Check Spending vs Budget

Use get_budgets to show my current budget status

Set a Budget Amount

Set my grocery budget to $600 for this month using set_budget_amount

Apply Budget to All Future Months

Set my entertainment budget to $150 and apply it to all future months using set_budget_amount with apply_to_future=true

Track Net Worth Over Time

Show my net worth trend for the past year using get_net_worth

View Account Balance History

Show me how my savings account balance has changed over time using get_account_balance_history

Net Worth Breakdown by Account Type

Show my net worth breakdown by account type using get_net_worth_by_account_type

Analyze Cash Flow

Get my cashflow for the last 3 months using get_cashflow

List Available Categories

Show me all available categories using get_categories

Review Uncategorized Transactions

Show me transactions from the last 7 days that need review using get_transactions_needing_review

Bulk Categorize Transactions

Categorize these three transactions as "Groceries" using bulk_categorize_transactions

Tag a Transaction

Add the "Tax Deductible" tag to this transaction using set_transaction_tags

Search for Transactions

Find all Amazon transactions over $50 from the last month using search_transactions

View Recurring Bills

Show me my upcoming recurring transactions using get_recurring_transactions

Create Auto-Categorization Rule

Create a rule to automatically categorize Amazon transactions as "Shopping" using create_transaction_rule

Split a Transaction

Split this $100 Costco transaction into $60 for Groceries and $40 for Household using split_transaction

Get Transaction Statistics

Give me a quick summary of my transactions using get_transactions_summary

View Spending by Category

Show my spending breakdown by category for last month using get_spending_summary

Update a Recurring Bill Amount

Update PennyMac's recurring stream to $1,460.93 monthly using update_merchant

Review Recurring Streams

Approve the Netflix recurring stream using review_recurring_stream

📅 Date Formats

• All dates should be in YYYY-MM-DD format (e.g., "2024-01-15")
• Transaction amounts: positive for income, negative for expenses

🔧 Troubleshooting

Authentication Issues

If you see "Authentication needed" errors:

1. Run the setup command: cd /path/to/your/monarch-mcp-server && python login_setup.py (or uv run python login_setup.py)
2. Restart Claude Desktop or Claude Code
3. Try using a tool like get_accounts

Session Expired

Sessions last for weeks, but if expired:

1. Run the same setup command again: python login_setup.py (or uv run python login_setup.py)
2. Enter your credentials and 2FA code
3. Session will be refreshed automatically

'Context' object has no attribute 'elicit'

The monarch_login and monarch_login_with_token tools require the MCP Python SDK 1.10.0 or newer (released June 2025). If your environment cached an older mcp install, refresh it:

uv cache clean mcp

Then fully quit and reopen Claude Desktop or Claude Code so it relaunches the server with a fresh resolution. As a fallback while you upgrade, run python login_setup.py from the repo to authenticate via the terminal.

Common Error Messages

• "No valid session found": Run python login_setup.py (or uv run python login_setup.py)
• "Invalid account ID": Use get_accounts to see valid account IDs
• "Date format error": Use YYYY-MM-DD format for dates

🏗️ Technical Details

Project Structure

monarch-mcp-server/
├── src/monarch_mcp_server/
│   ├── __init__.py
│   └── server.py          # Main server implementation
├── login_setup.py         # Email/password authentication script
├── pyproject.toml         # Project configuration
├── requirements.txt       # Dependencies
└── README.md             # This documentation

Session Management

• Sessions are stored securely in .mm/mm_session.pickle
• Automatic session discovery and loading
• Sessions persist across Claude Desktop and Claude Code restarts
• No need for frequent re-authentication

Security Features

• Credentials never transmitted through Claude Desktop or Claude Code
• MFA/2FA fully supported
• Session files are encrypted
• Authentication handled in secure terminal environment

Recommended: require approval for mutating tools

Several tools mutate your Monarch ledger (create_transaction, update_transaction, delete_transaction, bulk_categorize_transactions, upload_account_balance_history, set_transaction_tags, create_transaction_rule, update_transaction_rule, delete_transaction_rule, split_transaction, set_budget_amount, update_merchant, review_recurring_stream).

Because the LLM can be influenced by data it reads back (a malicious-looking memo or merchant name in a transaction), the safest setup is to configure your MCP client to require manual approval before any mutating tool runs. In Claude Desktop and Claude Code this is the default behavior for unknown tools; keep it that way for the tools listed above rather than allow-listing them.

bulk_categorize_transactions and upload_account_balance_history also accept a dry_run=True argument that returns the planned changes without executing them, useful for previewing a bulk action before approving it.

🙏 Acknowledgments

This MCP server is built on top of the MonarchMoneyCommunity Python library, an actively maintained community fork of the original MonarchMoney library by @hammem. The community fork provides:

• Updated API endpoints for Monarch Money's current domain
• Secure authentication with MFA support
• Comprehensive API coverage for Monarch Money
• Session management and persistence

Thank you to @hammem for creating and maintaining this essential library!

📄 License

MIT License

🆘 Support

For issues:

1. Check authentication with check_auth_status
2. Run the setup command again: cd /path/to/your/monarch-mcp-server && python login_setup.py
3. Check error logs for detailed messages
4. Ensure Monarch Money service is accessible

🔄 Updates

To update the server:

1. Pull latest changes from repository
2. Restart Claude Desktop or Claude Code
3. Re-run authentication if needed: python login_setup.py