Monarch Money

Monarch Money is an MCP server that provides Model Context Protocol access to personal finance data and account management features from the Monarch Money platform. Designed for Monarch Money users, financial planners, and developers using MCP-compatible AI clients, it enables AI assistants to inspect financial information and query budgeting details directly. The server wraps the underlying Python library for Monarch Money to retrieve current account balances, historical transactions, transaction categories, and budget allocations. Users can instruct an AI model to evaluate spending patterns across custom date ranges, monitor goal progress, view income versus expense cashflow, and review investment account performance. It also supports net worth tracking by delivering net worth snapshots over time. Note that the project repository is archived in favor of the official Monarch Money Connector, but it remains accessible as an open-source MCP implementation utilizing automated session management and multi-factor authentication support.

Category: CRM, ERP & E-commerce

Tags: accounting, banking, budgeting, monarch money, personal-finance

Visit Monarch Money

How to install and configure Monarch Money

1. Clone or download the repository to your local machine. 2. Navigate to the directory and install dependencies using uv: bash cd /path/to/monarch-money-mcp uv sync 3. Obtain your MFA secret key from your Monarch Money settings under two-factor authentication setup. 4. Add the server to your .mcp.json configuration file with absolute paths: json { "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" } } } } 5. Restart your MCP client to load the tools.

What you can do with Monarch Money

• Query current account balances across linked checking, savings, and credit accounts directly within an AI chat interface. * Filter and analyze historical transactions by specifying date ranges, categories, or account IDs to evaluate monthly spending. * Check current budget targets, track ongoing category expenses, and review overall budget status against defined financial limits. * Monitor progress toward personal financial savings goals and inspect cashflow metrics for income and expense management. * Retrieve investment performance metrics and track historical net worth snapshots over time using dedicated server tools.

Key facts

• https://github.com/colvint/monarch-money-mcp
• CRM, ERP & E-commerce, Finance, Crypto & Payments
• accounting, banking, budgeting, monarch money, personal-finance

Part of MCP Servers

How do I install Monarch Money MCP Server?

Clone the repository locally and run uv sync inside the project directory to install dependencies. Then register the server in your client mcp.json configuration file by supplying the full path to uv, the directory path, and your Monarch Money login credentials including your email, password, and MFA secret key.

What can Monarch Money MCP Server do?

The server exposes tools to retrieve financial accounts, list and filter transactions by date or category, view budget allocations, and examine spending. It also provides tools to inspect income and expense cashflow, fetch investment account data, track financial goals, and retrieve historical net worth snapshots.

How do I get the required MFA secret?

Log in to your Monarch Money account and navigate to security settings to enable two-factor authentication. When presented with the QR code, select the manual entry option, copy the provided alphanumeric text key, and set it as your MONARCH_MFA_SECRET environment variable in the configuration file.

Is Monarch Money MCP Server actively maintained?

According to the repository documentation, this community MCP server project has been archived in favor of the officially supported Monarch Money Connector provided by Monarch.