Monarch Money

Name: Monarch Money
Author: pulsemcp

作者：pulsemcp版本 0.0.13i★ –i在你的电脑上运行

注册名称com.pulsemcp/monarch-money

安装

概览

作者提供的说明（英文原文）

MCP server for Monarch Money — account, transaction, and budget management.

PopNx MCP 的三大支柱

这三项永远不会合并成一个分数：意见、测量和人气是不同的东西。

用户评价i暂无评价评价功能将在后续阶段与账户功能一起开放
我们的基础检查i1 项中通过 1 项依据公开信息检查；尚未扫描代码
使用情况i非常新↓ 82/周 · ★ –

它能帮你做什么

我们还没有为它写通俗的介绍。下面是我们从注册中心读取到的事实。

连接方式: 在你的电脑上运行
传输方式: stdio
分类: 会计、财务与税务
你需要填写：MONARCH_SESSION_TOKEN, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP, MONARCH_SESSION_PASSPHRASE

安装

选择你使用的 AI 应用，然后复制设置。

安装之前

基础检查：1 项中通过 1 项
在你的电脑上运行，拥有你的用户账户的权限（文件、网络、应用）。
需要你自己填写： MONARCH_SESSION_TOKEN, MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP, MONARCH_SESSION_PASSPHRASE, MONARCH_STATE_DIR, MONARCH_ENABLED_TOOL_GROUPS, MONARCH_ENABLED_TOOLS, MONARCH_DISABLED_TOOLS

标为机密的值是你账户的钥匙。千万不要分享给别人，也不要粘贴到聊天里。

你需要

npm已安装 Node.js（用于 npx 命令）

你用的是哪个应用？

ClaudeClaude CodeCursorVS CodeChatGPT

在上方选择你的应用。我们会记住它，下次按钮会显示“安装到 …”。

打开 Claude Desktop → Settings → Developer → Edit Config，把下面的内容粘贴到 claude_desktop_config.json

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_EMAIL": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value",
        "MONARCH_STATE_DIR": "your-value",
        "MONARCH_ENABLED_TOOL_GROUPS": "your-value",
        "MONARCH_ENABLED_TOOLS": "your-value",
        "MONARCH_DISABLED_TOOLS": "your-value"
      }
    }
  }
}

在终端中运行这条命令

claude mcp add monarch-money --env MONARCH_SESSION_TOKEN=your-value --env MONARCH_EMAIL=your-value --env MONARCH_PASSWORD=your-value --env MONARCH_TOTP=your-value --env MONARCH_EMAIL_OTP=your-value --env MONARCH_SESSION_PASSPHRASE=your-value --env MONARCH_STATE_DIR=your-value --env MONARCH_ENABLED_TOOL_GROUPS=your-value --env MONARCH_ENABLED_TOOLS=your-value --env MONARCH_DISABLED_TOOLS=your-value -- npx -y monarch-money-mcp-server

运行前请先填写空着的值。

在 Cursor 中打开

或者自己复制设置

粘贴到项目中的 .cursor/mcp.json，或 ~/.cursor/mcp.json

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_EMAIL": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value",
        "MONARCH_STATE_DIR": "your-value",
        "MONARCH_ENABLED_TOOL_GROUPS": "your-value",
        "MONARCH_ENABLED_TOOLS": "your-value",
        "MONARCH_DISABLED_TOOLS": "your-value"
      }
    }
  }
}

浏览器会先询问是否打开应用，然后应用会显示设置并请你确认。密钥的值会留空，由你自己填写。

在 VS Code 中打开

或者自己复制设置

粘贴到项目中的 .vscode/mcp.json

{
  "servers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_EMAIL": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value",
        "MONARCH_STATE_DIR": "your-value",
        "MONARCH_ENABLED_TOOL_GROUPS": "your-value",
        "MONARCH_ENABLED_TOOLS": "your-value",
        "MONARCH_DISABLED_TOOLS": "your-value"
      }
    }
  }
}

浏览器会先询问是否打开应用，然后应用会显示设置并请你确认。密钥的值会留空，由你自己填写。

这个服务器在你的电脑上运行，而 ChatGPT 只能连接互联网上的服务器。请选择其他应用。

你的选择通过 Cookie 保存在这台设备上，无需账户。

需要你填写的值

MONARCH_SESSION_TOKEN 机密 env
Pre-obtained session token for authentication (recommended over email/password).
MONARCH_EMAIL env
Email address for email/password authentication.
MONARCH_PASSWORD 机密 env
Password for email/password authentication.
MONARCH_TOTP 机密 env
TOTP code if 2FA is enabled on the account.
MONARCH_EMAIL_OTP 机密 env
Email OTP code required only on first login from a new install.
MONARCH_SESSION_PASSPHRASE 机密 env
Override passphrase for encrypting the on-disk session file.
MONARCH_STATE_DIR env
Directory where session.enc file is stored.
MONARCH_ENABLED_TOOL_GROUPS env
Comma-separated list of tool groups to enable (readonly, manage).
MONARCH_ENABLED_TOOLS env
Comma-separated whitelist of specific tool names to enable.
MONARCH_DISABLED_TOOLS env
Comma-separated blacklist of specific tool names to disable.

这些设置是根据作者在注册中心的条目生成的。如果 README 的写法不同，请以 README 为准。

它能做什么

它在你的电脑上运行；安装后，工具列表会显示在你的 AI 应用中。

基础检查i

我们检查的是任何人都能看到的信息；我们没有阅读代码。不适用的检查项不计入总数。 · 检查于 2026年11月8日

✓ 通过
作者与仓库一致
注册名称已通过域名 pulsemcp.com 验证（注册中心会核实域名所有权）
… 尚未检查
仍在维护
我们还没有从 GitHub 读取这个仓库
… 尚未检查
有许可证
我们还没有从 GitHub 读取这个仓库
– 不适用
端点有响应
它在你的电脑上运行，没有互联网端点
– 不适用
使用 OAuth 登录
在你的电脑上运行，改用本地设置
… 尚未检查
工具描述中没有隐藏指令
它在你的电脑上运行；我们只能读取互联网端点的工具列表

与“会计、财务与税务”中的其他服务器比较i

星标数多于此分类中其他 2937 个服务器的 0%
发布到注册中心的时间比此分类中其他 2937 个服务器的 18% 更新
基础检查结果等于或优于此分类中其他 2937 个服务器的 100%

与注册中心里这个分类中所有活跃的服务器比较。只有当发布者拥有该仓库时，星标数才计入。

常见问题

Monarch Money 安全吗？

它在 1 项适用的基础检查中通过了 1 项。我们没有阅读代码。在添加密钥或令牌之前，请先看看这个服务器要求哪些权限，并使用只具备所需权限的密钥。

它需要哪些密钥或代码？

你需要填写：MONARCH_SESSION_TOKEN, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP, MONARCH_SESSION_PASSPHRASE

它在我的电脑上运行还是在云端？

它在你的电脑上运行。你的 AI 应用会在需要时启动它，数据不会经过作者的服务器（除非它自己调用在线服务）。

它还在维护吗？

GitHub 仓库最后更新于–，最新版本（0.0.13）于4个月前进入注册中心。

哪些应用可以使用它？

支持 MCP 的应用，例如 Claude Desktop、Claude Code、Cursor 和 VS Code。你的电脑上还需要有 Node.js。

有什么可以替代它？

同一分类中有：Finance Toolkit, SolidInvoice, Korea Tax Calculator

替代选择

同一分类中其他作者的服务器，按星标数排序。

如何看卡片：↓ 每周下载量i★ GitHub 星标i三大支柱：评价 · 检查 · 使用情况i更新 = 最新版本发布到注册中心的时间i

Finance Toolkit

500+ transparent financial methods calculated from raw statements, not third-party endpoints.

作者：JerBouma广泛使用↓ 1.6万/周★ 5496前天更新

电脑或云端

安装

SolidInvoice

Create and send invoices and quotes, manage clients, and track payments in SolidInvoice.

作者：SolidInvoice正在增长★ 9819天前更新

在云端运行✓ solidinvoice.co

安装

Korea Tax Calculator

Korean tax calculation and tax-audit judgment MCP: 96 tools with statutory citations.

作者：UpstageAI正在增长↓ 3172/周★ 97今天更新

在你的电脑上运行

安装

作者的 README

打开 README

按原文从作者的仓库复制。PopNx MCP 没有审查或背书其内容。HTML、图片和脚本已被移除。链接会离开本站。

Monarch Money MCP Server

MCP server for Monarch Money — a personal finance app that aggregates accounts, transactions, budgets, and net worth across institutions. This server gives an AI assistant read and write access to the same data the Monarch web/mobile app shows you, scoped to your own account.

Highlights

23 consolidated tools across two groups (readonly, manage) covering accounts, balances, net worth, cashflow, transactions, categories, tags, transaction rules, and budgets
Encrypted on-disk session at ~/.monarch-money-mcp/session.enc — the server never accepts a Monarch password through a tool input
Tool group filtering via env vars — run the server in a strict read-only mode, or hand-pick the exact tools you want exposed to the agent
Custom thin GraphQL transport targeting api.monarch.com/graphql — no third-party Monarch client dependency

Why a custom GraphQL client?

The tools in this server span accounts, transactions, budgets, rules, categories, and net worth. We evaluated existing TypeScript Monarch clients and didn't find one that covered the surface we needed and was actively maintained. Rather than wrap a partial third-party client and patch around its gaps, this server ships a small in-house transport (shared/src/monarch-client/graphql-transport.ts) that is deliberately minimal: build the request, surface auth/network errors with typed exceptions, return the typed data payload. Operations live as named GraphQL strings in shared/src/monarch-client/operations.ts so the surface is grep-able and easy to extend.

Authentication

Monarch's /auth/login/ endpoint gates first-time logins from an unfamiliar device behind an email OTP Monarch sends to your inbox, plus per-IP throttling and a Cloudflare bot challenge. That makes a fully unattended email + password flow impossible on a fresh install — the user has to read the code from email at least once. After that one-time pairing, the same install can log in with credentials alone.

Because of that, the recommended path is to paste a session token rather than ship credentials in the env. The server supports four ways to authenticate, in priority order:

1. Env-var session token (recommended)

Paste a token once into the launcher's environment. Headless, autonomous, no OTP gate.

MONARCH_SESSION_TOKEN=<your-token>

Where to get a token:

Run npm run login (option 3) once and copy it out of ~/.monarch-money-mcp/session.enc (after decrypting), OR
Open the Monarch web app DevTools → Network → any /graphql request → copy the value of the Authorization: Token <…> header.

The token is resolved at startup, validated, and persisted to disk so the env var becomes optional after the first run.

2. Tool-based token paste

If you can't set env vars (e.g., a UI that doesn't expose the launcher's env), call the monarch_login_with_token tool with the token as input. The server validates it via Monarch's me endpoint before saving.

3. Env-var email + password (best-effort)

Set credentials in the env and let the server log in:

MONARCH_EMAIL=<email>

MONARCH_PASSWORD= MONARCH_TOTP= # only if your account has 2FA enabled MONARCH_EMAIL_OTP= # only on the first launch from a new install

On the first launch from a fresh install Monarch sends an OTP to your email. The server logs a clear stderr message explaining what to do; set MONARCH_EMAIL_OTP= and restart. Subsequent launches reuse the persisted device-uuid and skip the OTP gate.

4. Interactive CLI

cd servers/monarch-money/local

npm run login

Prompts for email, password, optional TOTP, and (if challenged) the email OTP. Writes the encrypted token to ~/.monarch-money-mcp/session.enc.

Session encryption

The token is encrypted at rest with AES-256-GCM. The encryption key is derived via scrypt from a passphrase:

If MONARCH_SESSION_PASSPHRASE is set, that's the passphrase.
Otherwise, the passphrase is derived from the machine's hostname (os.hostname()) and the current user (os.userInfo().username) — making the encrypted file machine-bound by default.

This isn't a defense against a local attacker who already controls your shell, but it does prevent accidental cross-host disclosure (e.g., the file ending up in a backup that gets restored on another machine).

Tool Groups

Tools are tagged with one or more groups. The default exposes everything; setting MONARCH_ENABLED_TOOL_GROUPS (or MONARCH_ENABLED_TOOLS / MONARCH_DISABLED_TOOLS) narrows the surface.

Group	Includes
`readonly`	Lookups only — accounts, transactions, balances, net worth, categories, budgets, rules.
`manage`	Everything in `readonly` plus mutations — create/update/delete transactions, tags, rules, budgets; refresh accounts.

Filter precedence: MONARCH_ENABLED_TOOLS (whitelist, exact names) > MONARCH_ENABLED_TOOL_GROUPS (group filter) > MONARCH_DISABLED_TOOLS (blacklist, exact names).

# Strict read-only deployment

MONARCH_ENABLED_TOOL_GROUPS=readonly

Deny one specific tool

MONARCH_DISABLED_TOOLS=delete_transaction

Whitelist exactly two tools

MONARCH_ENABLED_TOOLS=get_transactions,get_accounts

Tools

Authentication / session

Tool	Groups	Description
`check_authentication`	`readonly`, `manage`	Verify the on-disk session is valid (calls Monarch's `me`); returns setup instructions if not authenticated.
`monarch_login_with_token`	`manage`	Persist a pre-obtained session token to encrypted disk storage.

Accounts

Tool	Groups	Description
`get_accounts`	`readonly`, `manage`	List every connected account with balances and metadata. Pass `includeHoldings: true` to attach investment holdings to each account.
`get_account_balance_history`	`readonly`, `manage`	Daily balance snapshots for one account over a date range.
`set_account_balance_history`	`manage`	Set recorded daily balance snapshots for a manual account — range mode (start/end/balance) or explicit `{ date, balance }` list. Per-date upsert via Monarch's balance-history importer.
`refresh_accounts`	`manage`	Trigger an upstream institution sync.

Net worth

Tool	Groups	Description
`get_net_worth`	`readonly`, `manage`	Net worth view. `view: "history"` (default) returns a time series; `view: "by_type"` returns a current breakdown by account type.

Transactions (read)

Tool	Groups	Description
`get_transactions`	`readonly`, `manage`	Query transactions in five shapes via `view`: `list` (default, paged with filters), `summary` (aggregate totals), `cashflow` (income/expense/savings), `by_category` (totals per category), `recurring` (forecasted occurrences).
`get_transaction_details`	`readonly`, `manage`	Full detail for a single transaction, including its splits.

Transactions (write)

Tool	Groups	Description
`create_transaction`	`manage`	Create a manual transaction.
`update_transaction`	`manage`	Patch a transaction. Supports `amount` / `date` / `merchantId` / `categoryId` / `notes` / `hideFromReports` / `reviewed` / `tagIds` in any combination. Pass `bulkTransactionIds` + `categoryId` to bulk-recategorize many transactions in one call.
`delete_transaction`	`manage`	Permanently delete a transaction.
`split_transaction`	`manage`	Split a transaction into multiple categorized parts.

Categories & tags

Tool	Groups	Description
`get_categories`	`readonly`, `manage`	List all categories. Pass `includeGroups: true` to also return the top-level category groups.
`get_tags`	`readonly`, `manage`	List all tags.
`create_tag`	`manage`	Create a tag. Requires `name` and a hex `color` (e.g. `#19d2a5`); `order` is server-assigned.

| delete_tag | manage | Delete a tag by id. Returns `

只显示了开头部分；其余内容请在仓库中阅读