Monarch Money
Connects Claude to Monarch Money's personal finance platform with 44 tools spanning accounts, transactions, budgets, cashflow, and investments. Ships in read-only mode by default with an explicit write mode opt-in for mutations like creating transactions, updating budgets, or managing tags and categories. Handles auth through browser-based login with tokens stored in your OS keychain, never in config files. Install via Claude Desktop extension for UI-based write mode toggling, or run with uvx for agent workflows. Useful if you want Claude to analyze spending patterns, answer budget questions, or automate transaction categorization without risking accidental changes to your financial data.
- GitHub stars
- 13
- tools
- 44
- transport
- STDIO
- last updated
- Jun 12, 2026
Tools
44 toolsPublic tool metadata for what this MCP can expose to an agent.
setup_authenticationGet setup instructions
Get setup instructions
No parameter schema in public metadata yet.
check_auth_statusCheck authentication status
Check authentication status
No parameter schema in public metadata yet.
debug_session_loadingDebug keyring issues
Debug keyring issues
No parameter schema in public metadata yet.
get_accountsGet all financial accounts
Get all financial accounts
No parameter schema in public metadata yet.
get_account_holdingsGet investment holdings
Get investment holdings
No parameter schema in public metadata yet.
get_account_historyGet historical balance data
Get historical balance data
No parameter schema in public metadata yet.
get_recent_account_balancesGet daily balances
Get daily balances
No parameter schema in public metadata yet.
get_account_snapshots_by_typeNet worth by account type
Net worth by account type
No parameter schema in public metadata yet.
get_aggregate_snapshotsDaily aggregate net value
Daily aggregate net value
No parameter schema in public metadata yet.
get_institutionsGet connected institutions
Get connected institutions
No parameter schema in public metadata yet.
get_account_type_optionsGet valid account types
Get valid account types
No parameter schema in public metadata yet.
refresh_accountsRequest account data refresh
Request account data refresh
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
Update account settings
No parameter schema in public metadata yet.
delete_accountDelete an account
Delete an account
No parameter schema in public metadata yet.
get_transactionsGet transactions with filtering (date, account, category, tag, search, needs_review, and more)
Get transactions with filtering (date, account, category, tag, search, needs_review, and more)
No parameter schema in public metadata yet.
get_transaction_detailsGet full transaction detail
Get full transaction detail
No parameter schema in public metadata yet.
get_transactions_summaryAggregate transaction stats
Aggregate transaction stats
No parameter schema in public metadata yet.
get_transaction_splitsGet split information
Get split information
No parameter schema in public metadata yet.
get_recurring_transactionsGet recurring transactions
Get recurring transactions
No parameter schema in public metadata yet.
find_merchant_id_by_nameSearch recent transactions for a merchant and return distinct IDs
Search recent transactions for a merchant and return distinct IDs
No parameter schema in public metadata yet.
create_transactionCreate new transaction
Create new transaction
No parameter schema in public metadata yet.
update_transactionUpdate existing transaction (clear notes with clear_notes, unlink goal with clear_goal)
Update existing transaction (clear notes with clear_notes, unlink goal with clear_goal)
No parameter schema in public metadata yet.
delete_transactionDelete a transaction
Delete a transaction
No parameter schema in public metadata yet.
update_transaction_splitsCreate/modify/delete splits
Create/modify/delete splits
No parameter schema in public metadata yet.
update_recurring_merchantMark/unmark a merchant as recurring, update its frequency/amount, or deactivate it — is_recurring is required on every call (requires --enable-write)
Mark/unmark a merchant as recurring, update its frequency/amount, or deactivate it — is_recurring is required on every call (requires --enable-write)
No parameter schema in public metadata yet.
get_transaction_tagsGet all tags
Get all tags
No parameter schema in public metadata yet.
create_transaction_tagCreate new tag
Create new tag
No parameter schema in public metadata yet.
delete_transaction_tagDelete a tag
Delete a tag
No parameter schema in public metadata yet.
set_transaction_tagsSet tags on a transaction
Set tags on a transaction
No parameter schema in public metadata yet.
get_transaction_categoriesGet all categories
Get all categories
No parameter schema in public metadata yet.
get_transaction_category_groupsGet category groups
Get category groups
No parameter schema in public metadata yet.
create_transaction_categoryCreate a category
Create a category
No parameter schema in public metadata yet.
delete_transaction_categoryDelete a category
Delete a category
No parameter schema in public metadata yet.
get_transaction_rulesList every transaction rule with its criteria, actions, and recent application stats
List every transaction rule with its criteria, actions, and recent application stats
No parameter schema in public metadata yet.
create_transaction_ruleCreate a transaction rule with full criteria + actions (category, tags, merchant, amount, splits…)
Create a transaction rule with full criteria + actions (category, tags, merchant, amount, splits…)
No parameter schema in public metadata yet.
update_transaction_ruleUpdate a rule by id; merges overrides onto the current rule (handles Monarch's REPLACE semantics)
Update a rule by id; merges overrides onto the current rule (handles Monarch's REPLACE semantics)
No parameter schema in public metadata yet.
delete_transaction_ruleDelete a rule by ID
Delete a rule by ID
No parameter schema in public metadata yet.
get_budgetsGet budget information
Get budget information
No parameter schema in public metadata yet.
get_cashflowGet cashflow analysis
Get cashflow analysis
No parameter schema in public metadata yet.
get_cashflow_summaryGet cashflow summary
Get cashflow summary
No parameter schema in public metadata yet.
set_budget_amountSet budget for category
Set budget for category
No parameter schema in public metadata yet.
get_subscription_detailsGet subscription status
Get subscription status
No parameter schema in public metadata yet.
get_credit_historyGet credit score history
Get credit score history
No parameter schema in public metadata yet.
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Monarch Money MCP Server
A Model Context Protocol (MCP) server for integrating with the Monarch Money personal finance platform through Claude Desktop.
Overview
- Secure by design — browser-based login, token stored in OS keychain (never in config files or env vars)
- Safe by default — read-only mode prevents accidental changes; write tools require explicit opt-in
- Comprehensive — 44 tools covering accounts, transactions, splits, budgets, cashflow, tags, categories, transaction rules, recurring merchants, and credit history
- Easy to install — Claude Desktop extension (
.mcpb),uvx, orpip
Two operating modes:
The server starts in read-only mode by default. Write tools are hidden and blocked until you explicitly opt in.
| Read-only (default) | Write mode | |
|---|---|---|
| View accounts, transactions, budgets | Yes | Yes |
| Analyze cashflow, spending, net worth | Yes | Yes |
| Create transactions, tags, categories, rules | No | Yes |
| Update accounts, budgets, splits | No | Yes |
| Delete transactions, tags, accounts | No | Yes |
Quick Start
Installation
Details
- Repository
- github.com/vargahis/monarch-mcp
- Package
monarch-mcp- Transport
- STDIO
- Registry
- MCP registry, active