Monarch Money

What it is

A small Python server around the monarchmoney library that opens a Monarch Money account for reading: accounts and balances, transactions with date, account and category filters, categories, budgets, goals, cashflow, investments and net-worth snapshots.

What you get

• get_accounts lists every account with its current balance and details
• get_transactions filters by start_date and end_date, by account_ids or category_ids, with a limit on how many come back
• get_categories lists the transaction categories those filters refer to
• get_budgets returns budget data together with spending against it
• get_cashflow gives the income-and-expense view over a period
• get_goals returns financial goals and how far along each one is
• get_investments returns investment account detail and performance
• get_net_worth returns net-worth snapshots over time rather than a single figure
• Login sessions are cached in a .mm directory so later starts skip the login; MONARCH_FORCE_LOGIN=true forces a fresh one

Requirements

Cloned and run in place with uv — there is no published launcher, so the client config points at an absolute path. It signs in as you: MONARCH_EMAIL, MONARCH_PASSWORD, and MONARCH_MFA_SECRET, which is the TOTP secret copied from Monarch's 2FA setup screen rather than a rotating six-digit code. That secret and the cached tokens under .mm both grant full account access, and TOTP needs the machine clock to be accurate.

Setup effort

Build from source — git clone https://github.com/colvint/monarch-money-mcp.git

Tools you get

8 tools named in the project's documentation. Every tool only reads; nothing changes your Monarch account.

Requires

• MONARCH_PASSWORD in your environment
• MONARCH_MFA_SECRET in your environment
• MONARCH_EMAIL in your environment

Where it runs

The documented client runs the server on your machine.