Monarch Mcp Server

[](https://mseep.ai/app/robcerda-monarch-mcp-server)

Monarch Money MCP Server

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.

🚀 Quick Start

1. Installation

1. Clone this repository:

``bash git clone https://github.com/robcerda/monarch-mcp-server.git cd monarch-mcp-server ``

1. Install dependencies:

Using pip: ``bash pip install -r requirements.txt pip install -e . ``

Using uv (alternative): ``bash uv sync ``

1. 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

``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!

1. Restart Claude Desktop

OR

1. Configure Claude Code (CLI):

Add this to your Claude Code configuration file:

Global (all projects):

macOS/Linux: ~/.claude.json

Windows: %USERPROFILE%\.claude.json

``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:

``json { "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: ``json { "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!

1. Restart Claude Code

2. One-Time Authentication Setup

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

Open a terminal and run:

cd /path/to/your/monarch-mcp-server
uv run python login_setup.py        # or: python login_setup.py

The script offers three login paths:

Option 1 (recommended): Session cookies from your browser

Long-lived sessions, supports SSO accounts, and sidesteps Cloudflare CAPTCHA gates on programmatic login. Steps:

1. Log in to https://app.monarch.com in Chrome or Firefox.
2. Open DevTools (F12) → Network tab.
3. Click any request whose Name starts with graphql (or any request to api.monarch.com).
4. Scroll to Request Headers, find the cookie: header, and copy the full value.
5. Paste it into the prompt.

The script verifies the cookies against the live API before saving them to your system keyring.

Option 2: Email and password

Standard interactive login. The script handles:

• Email verification codes (Monarch may send one for a new device session even when MFA is off).
• TOTP MFA codes if you have MFA enabled.
• Cloudflare CAPTCHA detection: if Monarch blocks programmatic login, the script tells you to switch to option 1.

The resulting long-lived session token is saved to your system keyring.

Option 3: Legacy session token paste

Kept for users with an existing token captured before the May 2026 API change. Monarch may no longer accept token-only auth on the GraphQL endpoint; if the verification call returns 401, fall back to option 1.

3. Start Using

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

✨ Features

📊 Account Management

• 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

💰 Transaction Access

• 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)

🏷️ Category Management

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

📋 Transaction Review

• 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 Operations

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

🔖 Tag Management

• 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

🔍 Advanced Search

• 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

🤖 Transaction Rules (Auto-Categorization)

• 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

🔄 Merchant & Recurring Stream Management

• 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

✂️ Transaction Splits

• 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

💵 Budget Management

• 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

📈 Net Worth Tracking

• 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.)

📊 Financial Analysis

• 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

🔐 Secure Authentication

• One-Time Setup: Authenticate once, use for weeks/months
• Email OTP Support: Handles Monarch's email verification flow for new devices/sessions
• 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

🛠️ Available Tools

| Tool | Description | Parameters | |------|-------------|------------| | setup_authentication | Get setup instructions | None | | check_auth_status | Check authentication status | None | | get_accounts | Get all financial accounts | None | | get_transactions | Get transactions with filtering and reconciliation fields | limit, offset, start_date, end_date, account_id, account_ids, category_ids, category_group_ids, tag_ids, search, wide_search, search_scan_limit, has_notes, is_split, is_recurring | | get_budgets | Get budget information | start_date, end_date | | set_budget_amount | Set budget for a category | amount, category_id, category_group_id, start_date, apply_to_future | | get_cashflow | Get cashflow analysis | start_date, end_date | | get_net_worth | Get net worth history | start_date, end_date, account_type | | get_account_balance_history | Get account balance history | account_id | | get_net_worth_by_account_type | Get net worth by account type | start_date, timeframe | | get_account_holdings | Get investment holdings | account_id | | create_transaction | Create new transaction | account_id, amount, description, date, category_id, merchant_name | | update_transaction | Update existing transaction | transaction_id, amount, description, category_id, date | | refresh_accounts | Request account data refresh | account_ids (optional — defaults to all active, visible accounts) | | get_categories | List all transaction categories | None | | get_category_groups | List category groups with categories | None | | get_transactions_needing_review | Get transactions needing review | needs_review, days, uncategorized, no_notes | | set_transaction_category | Set category on a transaction | transaction_id, category_id, mark_reviewed | | update_transaction_notes | Update notes on a transaction | transaction_id, notes | | mark_transaction_reviewed | Mark transaction as reviewed | transaction_id | | bulk_categorize_transactions | Categorize multiple transactions | transaction_ids, category_id | | get_tags | List all tags | None | | set_transaction_tags | Set tags on a transaction | transaction_id, tag_ids | | create_tag | Create a new tag | name, color | | search_transactions | Search transactions with filters | search, category_ids, account_ids, tag_ids, start_date, end_date, min_amount, max_amount | | get_transaction_details | Get details of a transaction | transaction_id | | delete_transaction | Delete a transaction | transaction_id | | get_recurring_transactions | Get recurring transactions | None | | get_transaction_rules | List auto-categorization rules | None | | create_transaction_rule | Create an auto-categorization rule | merchant_criteria_operator, merchant_criteria_value, set_category_id, add_tag_ids, amount_operator, amount_value | | update_transaction_rule | Update an existing rule | rule_id, merchant_criteria_operator, merchant_criteria_value, set_category_id | | delete_transaction_rule | Delete a rule | rule_id | | get_merchant | Get merchant details with recurring stream | merchant_id | | update_merchant | Update merchant name/recurring stream | merchant_id, name, is_recurring, frequency, base_date, amount, is_active | | review_recurring_stream | Set recurring stream review status | stream_id, review_status | | get_transaction_splits | Get splits for a transaction | transaction_id | | split_transaction | Split a transaction into parts | transaction_id, splits (JSON array) | | get_transactions_summary | Get high-level transaction statistics | None | | get_spending_summary | Get spending breakdown by category | start_date, end_date, limit |

📝 Usage Examples

View Your Accounts

Use get_accounts to show me all my financial accounts

Get Recent Transactions

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/.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.

Check Spending vs Budget

Use get_budgets to show my current budget status

Set a Budget Amount

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

Apply Budget to All Future Months

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

Track Net Worth Over Time

Show my net worth trend for the past year using get_net_worth

View Account Balance History

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

Net Worth Breakdown by Account Type

Show my net worth breakdown by account type using get_net_worth_by_account_type

Analyze Cash Flow

Get my cashflow for the last 3 months using get_cashflow

List Available Categories

Show me all available categories using get_categories

Review Uncategorized Transactions

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

Bulk Categorize Transactions

Categorize these three transactions as "Groceries" using bulk_categorize_transactions

Tag a Transaction

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

Search for Transactions

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

View Recurring Bills

Show me my upcoming recurring transactions using get_recurring_transactions

Create Auto-Categorization Rule

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

Split a Transaction

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

Get Transaction Statistics

Give me a quick summary of my transactions using get_transactions_summary

View Spending by Category

Show my spending breakdown by category for last month using get_spending_summary

Update a Recurring Bill Amount

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

Review Recurring Streams

…

Source & license

This open-source MCP server is cataloged on AgentStack and links to its original source — we do not rehost the code.

• Author: robcerda
• Source: robcerda/monarch-mcp-server
• License: MIT

Install and usage instructions live in the source repository linked above.