Monarch Money

MCP server for accessing Monarch Money financial data

python

8

GitHub Stars

python

Language

6 months ago

First Indexed

2 months ago

Catalog Refreshed

Documentation & install

Readme and setup notes from the catalogue, plus a client-ready config you can copy for your MCP host.

Installation

Add the following to your MCP client configuration file.

Configuration

View docs

{
  "mcpServers": {
    "colvint-monarch-money-mcp": {
      "command": "/path/to/uv",
      "args": [
        "--directory",
        "/path/to/monarch-money-mcp",
        "run",
        "python",
        "server.py"
      ],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}

You can run a Monarch Money MCP Server that exposes essential financial data and operations to your AI assistants. This MCP server gives you access to accounts, transactions, budgets, categories, goals, and net worth, enabling seamless querying and analysis across your Monarch Money data.

How to use

You interact with the Monarch Money MCP Server through an MCP client. Use the provided tools to retrieve accounts, fetch transactions with filtering, view budgets and goals, manage categories, and inspect net worth snapshots. Each tool is designed to be invoked from your client, returning structured data you can display or analyze in your workflows.

How to install

Prerequisites you need before installation:

Python is required for the server script. Ensure you have Python installed and accessible in your PATH.
Install the MCP runtime helper the server relies on (uv) and ensure it is in your PATH.

Step-by-step commands to set up and run the server locally:

Configuration

Configure your MCP client to point to the Monarch Money MCP Server using the following MCP configuration snippet. This defines how to start the local server process and what environment variables it needs.

Security notes

Keep credentials secure in your MCP configuration. The MFA secret provides full access to your Monarch Money account, so treat it like a password. Session files stored locally contain authentication tokens—protect them and restrict access to the configuration file.

Troubleshooting

MFA issues: Make sure your MFA secret is correct and that your system time is accurate. If you need to force a fresh login, set MONARCH_FORCE_LOGIN=true in your MCP environment.

Connection issues: Verify your email and password are correct in your MCP config, check your network connection, and run the server directly to view detailed error messages.

Session problems: If sessions become stale, delete the local session cache directory (e.g., the .mm folder) and retry the login.

Session management

The server caches sessions to speed up subsequent logins. If you need to reset, you can clear the cache and re-authenticate.

Notes

This MCP server wraps the Monarch Money Python library to provide seamless integration with AI assistants through the Model Context Protocol.

Available tools

get_accounts

List all accounts with their balances and details.

get_transactions

Get transactions with optional filtering by start_date, end_date, account_ids, category_ids, and limit.

get_categories

List all transaction categories.

get_budgets

Get budget information and spending analysis.

get_goals

List financial goals and their progress.

get_cashflow

Get cashflow data for income and expense analysis.

get_investments

Get investment account details and performance.

get_net_worth

Get net worth snapshots over time.