Monarch Money MCP Server

An MCP (Model Context Protocol) server that provides access to Monarch Money financial data and operations.

Features

• Account Management: List and retrieve account information
• Transaction Operations: Get transactions with filtering by date range, accounts, and categories
• Budget Analysis: Access budget data and spending insights
• Category Management: List and manage transaction categories
• Goal Tracking: Access financial goals and progress
• Net Worth Tracking: Retrieve net worth snapshots over time

Available Tools

get_accounts

List all accounts with their balances and details.

get_transactions

Get transactions with optional filtering:

• start_date: Filter transactions from this date (YYYY-MM-DD)
• end_date: Filter transactions to this date (YYYY-MM-DD)
• account_ids: List of account IDs to filter by
• category_ids: List of category IDs to filter by
• limit: Maximum number of transactions to return

get_categories

List all transaction categories.

get_budgets

Get budget information and spending analysis.

get_goals

List financial goals and their progress.

get_cashflow

Get cashflow data for income and expense analysis.

get_investments

Get investment account details and performance.

get_net_worth

Get net worth snapshots over time.

Session Management

The server automatically manages authentication sessions:

• Sessions are cached in a .mm directory for faster subsequent logins
• The session cache is automatically created and managed
• Use MONARCH_FORCE_LOGIN=true in the env section to force a fresh login if needed

Security Notes

• Keep your credentials secure in your .mcp.json file
• The MFA secret provides full access to your account - treat it like a password
• Session files in .mm directory contain authentication tokens - keep them secure
• Consider restricting access to your .mcp.json file since it contains sensitive credentials

Installation

1. Clone or download this MCP server
2. Install dependencies:
   Copy

   cd /path/to/monarch-money-mcp
   uv sync

Configuration

Add the server to your .mcp.json configuration file:

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

Important Notes:

• Replace /path/to/uv with the full path to your uv executable (find it with which uv)
• Replace /path/to/monarch-money-mcp with the absolute path to this server directory
• Use absolute paths, not relative paths

Getting Your MFA Secret

1. Go to Monarch Money settings and enable 2FA
2. When shown the QR code, look for the "Can't scan?" or "Enter manually" option
3. Copy the secret key (it will be a string like T5SPVJIBRNPNNINFSH5W7RFVF2XYADYX)
4. Use this as your MONARCH_MFA_SECRET

Usage Examples

Basic Account Information

Use the get_accounts tool to see all my accounts and their current balances.

Transaction Analysis

Get all transactions from January 2024 using get_transactions with start_date "2024-01-01" and end_date "2024-01-31".

Budget Tracking

Show me my current budget status using the get_budgets tool.

Troubleshooting

MFA Issues

• Ensure your MFA secret is correct and properly formatted
• Try setting MONARCH_FORCE_LOGIN=true in your .mcp.json env section
• Check that your system time is accurate (required for TOTP)

Connection Issues

• Verify your email and password are correct in .mcp.json
• Check your internet connection
• Try running the server directly to see detailed error messages:
  Copy

  uv run server.py

Session Problems

• Delete the .mm directory to clear cached sessions
• Set MONARCH_FORCE_LOGIN=true in your .mcp.json env section temporarily