Monarchmoney
This connects Claude to Monarch Money's personal finance platform through 30 tools covering accounts, transactions, budgets, and cashflow analysis. You can query balances and transaction history, create and update manual entries, trigger account refreshes, manage categories and tags, and pull cashflow summaries. Built on a full-featured Node.js client that handles Monarch's email OTP verification flow and optional TOTP MFA. Responses are fully typed, and the underlying library supports session persistence to avoid repeated logins. Useful when you want Claude to analyze spending patterns, reconcile transactions, or automate budget tracking without leaving the conversation. Unofficial project, not affiliated with Monarch Money.
- tools
- 30
- auth
- Secret needed
- transport
- STDIO
- env var
- 1
- last updated
- Mar 15, 2026
Tools
30 toolsPublic tool metadata for what this MCP can expose to an agent.
get_accountsAll linked accounts
All linked accounts
No parameter schema in public metadata yet.
get_account_holdingsSecurities in a brokerage account
Securities in a brokerage account
No parameter schema in public metadata yet.
get_account_historyDaily balance history
Daily balance history
No parameter schema in public metadata yet.
get_account_type_optionsAvailable account types/subtypes
Available account types/subtypes
No parameter schema in public metadata yet.
get_recent_account_balancesDaily balances (default: last 31 days)
Daily balances (default: last 31 days)
No parameter schema in public metadata yet.
get_aggregate_snapshotsAggregate net value over time
Aggregate net value over time
No parameter schema in public metadata yet.
get_institutionsLinked institutions
Linked institutions
No parameter schema in public metadata yet.
get_budgetsBudgets with actuals (default: last month → next month)
Budgets with actuals (default: last month → next month)
No parameter schema in public metadata yet.
get_subscription_detailsPlan status (trial, premium, etc.)
Plan status (trial, premium, etc.)
No parameter schema in public metadata yet.
get_transactionsTransactions with full filtering
Transactions with full filtering
No parameter schema in public metadata yet.
get_transactions_summaryAggregate summary
Aggregate summary
No parameter schema in public metadata yet.
get_transaction_detailsSingle transaction detail
Single transaction detail
No parameter schema in public metadata yet.
get_transaction_categoriesAll categories
All categories
No parameter schema in public metadata yet.
get_transaction_category_groupsCategory groups
Category groups
No parameter schema in public metadata yet.
get_transaction_tagsAll tags
All tags
No parameter schema in public metadata yet.
get_cashflowCashflow by category, group, merchant
Cashflow by category, group, merchant
No parameter schema in public metadata yet.
get_cashflow_summaryIncome, expense, savings, savings rate
Income, expense, savings, savings rate
No parameter schema in public metadata yet.
get_recurring_transactionsUpcoming recurring transactions
Upcoming recurring transactions
No parameter schema in public metadata yet.
create_transactionCreate transaction
Create transaction
No parameter schema in public metadata yet.
update_transactionUpdate transaction
Update transaction
No parameter schema in public metadata yet.
delete_transactionDelete transaction
Delete transaction
No parameter schema in public metadata yet.
create_manual_accountCreate manual account
Create manual account
No parameter schema in public metadata yet.
update_accountUpdate account settings/balance
Update account settings/balance
No parameter schema in public metadata yet.
delete_accountDelete account
Delete account
No parameter schema in public metadata yet.
refresh_accountsStart refresh (non-blocking)
Start refresh (non-blocking)
No parameter schema in public metadata yet.
is_refresh_completeCheck refresh status
Check refresh status
No parameter schema in public metadata yet.
set_budget_amountSet/clear budget
Set/clear budget
No parameter schema in public metadata yet.
create_transaction_tagCreate tag
Create tag
No parameter schema in public metadata yet.
set_transaction_tagsSet tags on transaction
Set tags on transaction
No parameter schema in public metadata yet.
create_transaction_categoryCreate category
Create category
No parameter schema in public metadata yet.
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MONARCH_TOKEN*secretYour Monarch Money auth token. Obtain by logging in with the library and saving mm.token.
Readme
Monarch Money (Node.js)
Node.js/TypeScript library for accessing Monarch Money data.
Disclaimer: This project is unofficial and not affiliated with Monarch Money.
Installation
npm install @hakimelek/monarchmoney
Requires Node.js 18+ (uses native fetch and AbortSignal.timeout).
Quick Start
import {
MonarchMoney,
EmailOtpRequiredException,
RequireMFAException,
} from "@hakimelek/monarchmoney";
const mm = new MonarchMoney();
try {
await mm.login("your@email.com", "password");
} catch (e) {
if (e instanceof EmailOtpRequiredException) {
// Monarch sent a verification code to your email
const code = await promptUser("Enter the code from your email:");
await mm.submitEmailOtp("your@email.com", "password", code);
} else if (e instanceof RequireMFAException) {
// TOTP-based MFA is enabled on the account
await mm.multiFactorAuthenticate("your@email.com", "password", "123456");
}
}
// Fetch data — fully typed responses
const { accounts } = await mm.getAccounts();
console.log(accounts[0].displayName, accounts[0].currentBalance);
Authentication
Details
- Repository
- github.com/hakimelek/monarchmoney-node
- Package
@hakimelek/monarchmoney- Transport
- STDIO
- Auth
- Required
- Registry
- MCP registry, active