Monarch MCP Server

<!-- mcp-name: io.github.jamiew/monarch-mcp -->

Monarch Money MCP Server

Use an AI assistant to read and update your Monarch Money accounts, transactions, and budgets through MCP.

Why this fork?

This FastMCP rewrite adds these tools to colvint's original server:

• Search and bulk edits: searchtransactions finds merchants or keywords; updatetransactions_bulk edits transactions in parallel with per-item results.
• Spending analysis: getspendingsummary groups totals by category, account, or month; analyzespendingpatterns compares months.
• One-call overview: getcompletefinancial_overview combines accounts, budgets, cashflow, transactions, and categories.
• Splits and recurring schedules: read and replace transaction splits, view scheduled occurrences, and edit merchant-wide recurrence.

Unlike the original and keithah's enhanced Python fork, this server also provides:

• Typed results: structured output with outputSchema, plus a text fallback.
• MCP resources and prompts: account/category/institution resources, per-account holdings/history templates, and guided prompts with argument completion.
• Assistant-friendly calls: compact transaction/category records, natural-language dates, read/write labels, and progress on batch analysis.

Comparison checked September 14, 2026. Other forks overlap on financial tools; the enhanced Python fork exposes a broader library API. This project focuses on analysis workflows and MCP integration, not exposing every API method. See the tool catalog.

Setup

Install uv, then configure your MCP client to run uvx monarch-mcp-jamiew. You'll need your Monarch email and password, plus an MFA secret for TOTP-based 2FA.

These features are included in 0.5.0, available through PyPI.

Standard config

For clients with an mcpServers config:

{
  "mcpServers": {
    "monarch-money": {
      "command": "uvx",
      "args": ["monarch-mcp-jamiew"],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}

Claude Desktop

Add the monarch-money entry from the standard config to your config file's mcpServers object (create the file if needed):

• macOS: ~/Library/Application\ Support/Claude/claudedesktopconfig.json
• Windows: %APPDATA%\Claude\claudedesktopconfig.json

Then fully quit and reopen Claude Desktop.

Claude Code

claude mcp add monarch-money \
  -e MONARCH_EMAIL=your-email@example.com \
  -e MONARCH_PASSWORD=your-password \
  -e MONARCH_MFA_SECRET=your-mfa-secret-key \
  -- uvx monarch-mcp-jamiew

Add -s user to make it available across all your projects. Verify with claude mcp list.

Codex CLI

codex mcp add monarch-money \
  --env MONARCH_EMAIL=your-email@example.com \
  --env MONARCH_PASSWORD=your-password \
  --env MONARCH_MFA_SECRET=your-mfa-secret-key \
  -- uvx monarch-mcp-jamiew

Or add the equivalent block to ~/.codex/config.toml:

[mcp_servers.monarch-money]
command = "uvx"
args = ["monarch-mcp-jamiew"]
env = { MONARCH_EMAIL = "your-email@example.com", MONARCH_PASSWORD = "your-password", MONARCH_MFA_SECRET = "your-mfa-secret-key" }

.mcp.json (project-scoped)

Shortened. The full README is on GitHub.