Monarch Money MCP server

by vargahis·io.github.vargahis/monarch-money·v0.1.4·14 stars

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MCP server for Monarch Money — accounts, transactions, budgets, cashflow, investments, and more

A92/100grade A

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Safety scan

A92/100

full report

Adoption

Growing

14 stars

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If you have run it, two minutes of your experience saves the next person an afternoon.

Monarch Money tools (44, 15 write)

write = sends, deletes, buys or posts

Read from the package source without running it. The installed server may list more.

check_auth_status
Check if already authenticated with Monarch Money.
create_manual_accountwrite action
Create a new manual account in Monarch Money.
create_transactionwrite action
Create a new transaction in Monarch Money.
create_transaction_categorywrite action
Create a new transaction category in Monarch Money.
create_transaction_rulewrite action
Create a transaction rule (criteria + actions).
create_transaction_tagwrite action
Create a new transaction tag in Monarch Money.
debug_session_loading
Debug keyring session loading issues.
delete_accountwrite action
Delete an account from Monarch Money. This action is irreversible.
delete_transactionwrite action
Delete a transaction from Monarch Money.
delete_transaction_categorywrite action
Delete a transaction category from Monarch Money.
delete_transaction_rulewrite action
Delete a transaction rule by ID.
delete_transaction_tagwrite action
Delete a transaction tag from Monarch Money.
find_merchant_id_by_name
Find merchant IDs by (partial) name.
get_account_history
Get historical balance snapshots for an account.
get_account_holdings
Get investment holdings for a specific account.
get_account_snapshots_by_type
Get net value snapshots grouped by account type.
get_account_type_options
Get available account types and sub-types for creating manual accounts.
get_accounts
Get all financial accounts from Monarch Money.
get_aggregate_snapshots
Get daily aggregate net value of all accounts.
get_budgets
Get budget information from Monarch Money.
get_cashflow
Get cashflow analysis from Monarch Money.
get_cashflow_summary
Get cashflow summary (income, expenses, savings, savings rate).
get_credit_history
Get credit score history and related details.
get_institutions
Get all connected financial institutions and their connection status.
get_recent_account_balances
Get daily balance for all accounts from a start date.
get_recurring_transactions
Get recurring transactions from Monarch Money.
get_subscription_details
Get Monarch Money subscription status and details.
get_transaction_categories
Get all transaction categories from Monarch Money.
get_transaction_category_groups
Get all transaction category groups from Monarch Money.
get_transaction_details
Get detailed information about a specific transaction.
get_transaction_rules
List every transaction rule on the household.
get_transaction_splits
Get split information for a transaction.
get_transaction_tags
Get all transaction tags from Monarch Money.
get_transactions
Get transactions from Monarch Money.
get_transactions_summary
Get aggregate transaction summary (count, sum, avg, max, income, expenses).
refresh_accounts
Request account data refresh from financial institutions.
set_budget_amount
Set or update a budget amount for a category or category group.
set_transaction_tags
Set tags on a transaction (replaces existing tags).
setup_authentication
Get instructions for setting up secure authentication with Monarch Money.
update_accountwrite action
Update an existing account in Monarch Money.
update_recurring_merchantwrite action
Update or create the recurring-merchant settings for a merchant.
update_transactionwrite action
Update an existing transaction in Monarch Money.
update_transaction_rulewrite action
Update an existing transaction rule (handles REPLACE semantics).
update_transaction_splitswrite action
Create, modify, or delete splits for a transaction.

Public scan report

scanner v0.1.9 · 2026-09-27 · same rubric, same numbers if you re-run it

no findings

Code scan10 source files scanned25/25
–Live reliabilityno gateway calls yet and no remote to proben/a
–Tool poisoningtools not inspected (local package is not executed); not countedn/a
Auth qualitylocal package, no credentials required12/15
Maintenancelast push 12 days ago15/15
Maintainer identityregistry namespace matches repository owner; GitHub account older than a year8/10

Overall 92/100. Components that don't apply are left out of the denominator. Any critical finding is an F.Rubric Appeal a finding JSON

How Monarch Money compares

Against every graded MCP server, from our own scans and uptime checks. Updated after each scan run.

Safety score: 92/100; higher than 95% of 48,255 servers
Tools: 44; the typical server has 7
Tools that change things: 34%; typical: 0%. Fewer write tools means less an agent can break
GitHub stars: 14; more than 90% of 28,688 servers

What its tools let an agent do: 26 read · 5 create · 8 change · 5 delete

Install Monarch Money in Claude Code, Cursor or VS Code

claude mcp add monarch-money -- uvx monarch-mcp

Add to Cursor

What the publisher says

From the Monarch Money repository's README, as published. We do not edit it. Read it on GitHub

Monarch Money MCP Server

A Model Context Protocol (MCP) server for integrating with the Monarch Money personal finance platform through Claude Desktop.

Overview

Secure by design — browser-based login, token stored in OS keychain (never in config files or env vars)
Safe by default — read-only mode prevents accidental changes; write tools require explicit opt-in
Comprehensive — 44 tools covering accounts, transactions, splits, budgets, cashflow, tags, categories, transaction rules, recurring merchants, and credit history
Easy to install — Claude Desktop extension (.mcpb), uvx, or pip

Two operating modes:

The server starts in read-only mode by default. Write tools are hidden and blocked until you explicitly opt in.

Quick Start

Installation

Option 1: Claude Desktop Extension (.mcpb) — Recommended for Claude Desktop

Enables toggling write mode on/off directly from the Claude Desktop app.

Download the latest .mcpb from Releases
In Claude Desktop: Settings > Extensions > Advanced Settings > Install Extensions — select the .mcpb file
Restart Claude Desktop

To enable write tools: Settings > Extensions > Monarch Money MCP Server > Configure — toggle "Enable write tools" and click Save.

Option 2: uvx (no install required) — Recommended for agents (e.g. Claude Code or Cursor)

Also works with Claude Desktop, but write mode cannot be toggled from the app — set it in the config instead.

Add to your MCP config file:

{
  "mcpServers": {
    "Monarch Money": {
      "command": "uvx",
      "args": ["monarch-mcp"]
    }
  }
}

To enable write tools:

{
  "mcpServers": {
    "Monarch Money": {
      "command": "uvx",
      "args": ["monarch-mcp", "--enable-write"]
    }
  }
}

Option 3: pip install — Recommended for local installation and venv

pip install monarch-mcp

Contributors: See docs/releasing.md for the release process, version scheme, and pre-release testing via TestPyPI.

Add to your MCP config using the full path to your Python interpreter:

{
  "mcpServers": {
    "Monarch Money": {
      "command": "/path/to/bin/python3",
      "args": ["-m", "monarch_mcp"]
    }
  }
}

To enable write tools, add "--enable-write" to args.

Option 4: Clone and install — Recommended for development

git clone https://github.com/vargahis/monarch-mcp.git
cd monarch-mcp
pip install -e .

Then add to your MCP config using the Python interpreter from your dev environment:

{
  "mcpServers": {
    "Monarch Money": {
      "command": "/path/to/bin/python3",
      "args": ["-m", "monarch_mcp"]
    }
  }
}

To enable write tools, add "--enable-write" to args.

Authentication

Authentication happens automatically in your browser the first time the MCP server starts without a saved session.

Start (or restart) Claude Desktop
The server detects that no token exists and opens a login page in your browser
Enter your Monarch Money email and password
Provide your 2FA code if you have MFA enabled
Once authenticated, the token is saved to your system keyring — you're all set

Key details:

Shortened. The full README is on GitHub.

Nothing above is checked by us. What we check is on the safety report.

Monarch Money: common questions

Is Monarch Money MCP server safe?: Yes, by our scan: it is graded A (92/100). Read the Monarch Money safety report
How do I install Monarch Money?: It runs on your machine. Copy the Claude Code, Cursor, VS Code or Claude Desktop config from the install section.
Does Monarch Money need an API key?: Not as far as the registry entry and our scan can tell: no credentials are declared or required.
Is Monarch Money maintained?: The last commit was 50 days ago (2026-09-15). The latest release is v0.1.4.
How does Monarch Money compare with other MCP servers?: safety score 92/100 (higher than 95% of 48,255 servers); tools 44 (the typical server has 7); tools that change things 34% (typical: 0%. Fewer write tools means less an agent can break). Full comparison.