Access Monarch financial data — accounts, transactions, budgets, and more
Most developer tooling work still happens through a UI a human drives. Monarch MCP server moves it into the conversation instead. Access Monarch financial data — accounts, transactions, budgets, and more.
Originally forked from @colvint/monarch-money-mcp but has diverged into a full rewrite on a modern FastMCP architecture. It's grown from a handful of tools to a broad toolset — adding server-side transaction search, parallel bulk transaction updates, multi-month spending-pattern analysis with forecasting, and a single-call financial overview that fans out to five Monarch APIs at once. Responses are tuned hard for token efficiency: the default compact transaction format cuts payload size by ~80%, categories return just id+name unless you ask
The server publishes 14 tools. What each one is for:
get_accounts — List accounts with balancesget_transactions — Transactions with date/account/category filteringsearch_transactions — Search by merchant name or keywordget_transaction_categories — Category list (compact by default)create_transaction — Create a manual transactionupdate_transaction — Update a single transactionupdate_transactions_bulk — Update multiple transactions in parallelget_budgets — Budget data and spending analysisget_cashflow — Income and expense analysisget_account_holdings — Investment holdings for an account (requires account_id)get_account_history — Account balance historyget_institutions — Linked financial institutionsConfiguration is passed through the environment: MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_MFA_SECRET, YOUR_TOTP_SECRET_KEY. Treat anything key-shaped as a real credential — scope it to the minimum the server needs, and rotate it if it ever lands in a shared config.
Installation goes through your MCP client rather than a global install: point it at monarch-mcp-jamiew on PyPI and it is fetched when the client starts. The copy-paste blocks for Claude Desktop, Claude Code and Cursor are further down this page.
Plenty of developer tooling servers cover similar ground. The differences that matter in practice are scope of access and how much setup stands between you and a working tool call. Monarch's toolset — get_accounts, get_transactions, search_transactions and 11 more — is a fair guide to whether it matches your workflow. It is maintained by jamiew; worth a glance at recent repository activity before you build anything load-bearing on it.
SyncDev reviews every entry in this directory against the project's own documentation before publishing, and revisits them as servers change.
| Tool | What it does |
|---|---|
| get_accounts | List accounts with balances |
| get_transactions | Transactions with date/account/category filtering |
| search_transactions | Search by merchant name or keyword |
| get_transaction_categories | Category list (compact by default) |
| create_transaction | Create a manual transaction |
| update_transaction | Update a single transaction |
| update_transactions_bulk | Update multiple transactions in parallel |
| get_budgets | Budget data and spending analysis |
| get_cashflow | Income and expense analysis |
| get_account_holdings | Investment holdings for an account (requires account_id) |
| get_account_history | Account balance history |
| get_institutions | Linked financial institutions |
| get_recurring_transactions | Recurring transaction detection |
| set_budget_amount | Set a budget category amount |
{
"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"
}
}
}
}Configuration as documented by the project. Restart the client after saving.
| Variable | Description | Required |
|---|---|---|
| MONARCH_EMAIL | Configuration value read at startup. | Optional |
| MONARCH_PASSWORD | Configuration value read at startup. | Optional |
| MONARCH_MFA_SECRET | Credential the server authenticates with. | Yes |
| YOUR_TOTP_SECRET_KEY | Credential the server authenticates with. | Yes |
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