Monarch MCP Server

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 rewrite adds these tools to colvint's original server:

• Search and bulk edits: search_transactions finds merchants or keywords; update_transactions_bulk edits transactions in parallel with per-item results.
• Spending analysis: get_spending_summary groups totals by category, account, or month; analyze_spending_patterns compares months.
• One-call overview: get_complete_financial_overview combines accounts, budgets, cashflow, transactions, and categories.
• Splits and recurring schedules: read and replace transaction splits, list every recurring stream with its next forecast, view scheduled occurrences, and edit merchant-wide recurrence.
• Cleanup tools: find possible duplicates, delete transactions, merge merchants, and tag transactions.
• Net worth and goals: daily net worth or monthly balances by account type, credit score history, and savings goals.

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.

Monarch also relaunched its own official MCP connector on October 21, 2026. It uses OAuth instead of your password, has weekly usage limits, and skips Finicity-connected accounts. Try it first if it covers what you need; this server runs locally and covers more write and analysis tools.

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.

Release 0.6.0 is on PyPI. Changes listed under Unreleased in the changelog need a source install until the next release.

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/claude_desktop_config.json
• Windows: %APPDATA%\Claude\claude_desktop_config.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)

For Claude Code's project scope, save the standard config as .mcp.json in your project root. Keep credential-bearing files out of version control.

Hermes

Add to ~/.hermes/config.yaml under mcp_servers:, then /reload-mcp (or restart Hermes):

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"

OpenClaw

Add the standard config to ~/.openclaw/openclaw.json under mcpServers, then restart the gateway.

Any other MCP client (Cursor, VS Code, Windsurf, Cline, Zed, …)

Set up a local stdio MCP server with command uvx, argument monarch-mcp-jamiew, and the credentials above. Follow your client's config format.

Not sure how? Tell your agent:

Install the Monarch Money MCP server from https://github.com/jamiew/monarch-mcp. The PyPI package is monarch-mcp-jamiew, run via uvx monarch-mcp-jamiew. It needs MONARCH_EMAIL, MONARCH_PASSWORD, and MONARCH_MFA_SECRET for TOTP-based 2FA.

From source (development)

Source installs use a pinned monarchmoneycommunity commit:

git clone https://github.com/jamiew/monarch-mcp

cd monarch-mcp uv sync --locked

Then point your client at the local copy with absolute paths (find them with which uv and pwd):

{

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

[!NOTE]

The claude mcp add and codex mcp add commands can save credentials in shell history. Edit the client's config directly to avoid that, and protect the config file.

Getting your MFA secret

1. Go to Monarch Money settings and enable 2FA
2. When shown the QR code, look for "Can't scan?" or "Enter manually"
3. Copy the TOTP secret key, not the rotating six-digit code
4. Use this as your MONARCH_MFA_SECRET

Tools

The server exposes these 42 tools.

Spending totals skip transfers, such as credit card payments, so money moving between your own accounts isn't counted twice. Each result reports transfers_excluded.

Dates accept ISO dates or natural language. A month or year, such as 2024-02 or last month, covers the whole period: as an end_date it means the period's last day.

Use is_pending=True for pending transactions or False for posted ones; omit it for both. Single and bulk updates accept owner_user_id from get_household_members. An empty string sets Shared ownership; omitted/null leaves ownership unchanged. Assignments override inherited ownership. Inspect ownedByUser with verbose=True; the update response does not include it.

Rules default to 25 per page (maximum 100); history defaults to 100 (maximum 1,000). Use limit, offset, and returned next_offset to continue; total_count covers all matching records. Rule details remain available with verbose=True.

A rule can set a category, merchant name, tags, or review status. It can also hide transactions from reports. Each rule must look for a merchant name, statement text, or amount. Monarch ignores edits to rules that don't.

When you edit a rule, anything you leave out stays the same. To clear a value, pass [] or "". Monarch replaces the whole rule on every edit, so the server sends back the full rule with your changes. That keeps sett