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.

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

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

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

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

• 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

• 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)

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

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

• 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

• 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

• 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

• 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

• 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

• 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

• 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.)

• 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

• 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

Use get_accounts to show me all my financial accounts

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.

Use get_budgets to show my current budget status

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

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

Show my net worth trend for the past year using get_net_worth

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

Show my net worth breakdown by account type using get_net_worth_by_account_type

Get my cashflow for the last 3 months using get_cashflow

Show me all available categories using get_categories

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

Categorize these three transactions as "Groceries" using bulk_categorize_transactions

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

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

Show me my upcoming recurring transactions using get_recurring_transactions

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

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

Give me a quick summary of my transactions using get_transactions_summary

Show my spending breakdown by category for last month using get_spending_summary

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

Approve the Netflix recurring stream using review_recurring_stream

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

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

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

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.

• "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

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

• 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

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

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.

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!

MIT License

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

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