Monarch Money MCP Server

Monarch money mcp mcp server connects Monarch Money MCP to AI assistants that speak the Model Context Protocol. Archived in favor of the now officially supported Monarch Money Connector.

What Monarch Money MCP does

Archived in favor of the now officially supported Monarch Money Connector

Key capabilities

• 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

Tools it exposes

Once connected, the assistant can call these 8 tools directly:

• get_accounts — The get_accounts tool exposed by this server
• get_transactions — Get transactions with optional filtering: - start_date: Filter transactions from this date (YYYY-MM-DD) - end_date: Filter transactions to this date
• get_categories — The get_categories tool exposed by this server
• get_budgets — The get_budgets tool exposed by this server
• get_goals — The get_goals tool exposed by this server
• get_cashflow — The get_cashflow tool exposed by this server
• get_investments — The get_investments tool exposed by this server
• get_net_worth — The get_net_worth tool exposed by this server

Installing the monarch money mcp mcp server

Setup follows the standard MCP pattern: clone or install the server, then register it in your client's configuration file and restart the client. The configuration snippets on this page cover Claude Desktop, Claude Code and Cursor.

Configuration

Before the server will start you need to supply 3 environment variables: MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_MFA_SECRET. Keep credentials in your client's env block or a secrets manager rather than committing them.

Where it fits

Developer-tool servers are usually the first ones people connect, because they turn "help me with this code" into an assistant that can actually read the repo and act on it. Monarch Money MCP sits in that group, and the shape of its toolset — get_accounts, get_transactions, get_categories among others — tells you what it is really for. Worth comparing against the other developer tools servers in this directory before you commit to one, since several overlap in scope but differ sharply in setup cost and permissions.

Practical notes

• This server runs locally, so it operates with whatever access your machine and its credentials already have. Scope that deliberately rather than by default.
• It will not start until its required credentials are present, so set those before wondering why the tools never appear.
• With 8 tools exposed, expect a noticeable bump in prompt size — disable it in projects that never use Monarch Money MCP.
• Maintained by colvint, written in Python.
• MCP clients ask for confirmation before each tool call by default. Keep that on while you learn what the monarch money mcp mcp server actually does with your data.
• Every entry in this directory is reviewed by hand before it goes live, and details are checked against the project's own documentation.