Monarch MCP Server
Connects Claude to Monarch Money's full financial API suite: accounts, transactions, budgets, cashflow, investments, and spending analysis. Built on FastMCP with token-efficient formatting that cuts transaction payloads by 80%, server-side search, bulk parallel updates, and multi-month spending forecasts. Ships with MCP resources for quick category and account lookups, guided prompts for financial workflows, and natural language date parsing. Uses the community-maintained monarchmoneycommunity library with MFA support. Published to PyPI so you can run it with uvx without cloning. Useful when you need Claude to query balances, categorize expenses, analyze spending patterns, or update transaction metadata across your connected accounts.
- GitHub stars
- 29
- tools
- 42
- auth
- Secret needed
- transport
- STDIO
- env vars
- 6
- last updated
- Nov 7, 2026
Tools
42 toolsPublic tool metadata for what this MCP can expose to an agent.
get_accountsList accounts with balances
List accounts with balances
No parameter schema in public metadata yet.
get_transactionsTransactions with date/account/category, pending/posted, and needs-review filtering; returns `total_count` and `next_offset`
Transactions with date/account/category, pending/posted, and needs-review filtering; returns `total_count` and `next_offset`
No parameter schema in public metadata yet.
search_transactionsSearch by merchant name or keyword, with the same filters and paging
Search by merchant name or keyword, with the same filters and paging
No parameter schema in public metadata yet.
get_transaction_categoriesCategory list (compact by default)
Category list (compact by default)
No parameter schema in public metadata yet.
get_transaction_rulesPage through compact automation rules in priority order
Page through compact automation rules in priority order
No parameter schema in public metadata yet.
create_transaction_ruleCreate a rule that matches merchant, statement text, or amount
Create a rule that matches merchant, statement text, or amount
No parameter schema in public metadata yet.
update_transaction_ruleEdit a rule, and optionally run it on past transactions
Edit a rule, and optionally run it on past transactions
No parameter schema in public metadata yet.
delete_transaction_ruleDelete a rule; transactions it already changed stay as they are
Delete a rule; transactions it already changed stay as they are
No parameter schema in public metadata yet.
get_household_membersHousehold members and IDs for ownership updates
Household members and IDs for ownership updates
No parameter schema in public metadata yet.
create_transactionCreate a manual transaction
Create a manual transaction
No parameter schema in public metadata yet.
delete_transactionPermanently delete a transaction
Permanently delete a transaction
No parameter schema in public metadata yet.
update_transactionUpdate transaction fields or assign ownership
Update transaction fields or assign ownership
No parameter schema in public metadata yet.
update_transactions_bulkUpdate fields or owners with per-item success/failure
Update fields or owners with per-item success/failure
No parameter schema in public metadata yet.
get_transaction_splitsRead a transaction's splits
Read a transaction's splits
No parameter schema in public metadata yet.
get_transaction_detailsResolve split parent and leg IDs; return split flags, category ID, and resolved transaction ID
Resolve split parent and leg IDs; return split flags, category ID, and resolved transaction ID
No parameter schema in public metadata yet.
update_transaction_splitsReplace all splits; an empty list removes them
Replace all splits; an empty list removes them
No parameter schema in public metadata yet.
get_budgetsBudget data and spending analysis
Budget data and spending analysis
No parameter schema in public metadata yet.
get_cashflowIncome and expense analysis
Income and expense analysis
No parameter schema in public metadata yet.
get_account_holdingsInvestment holdings for an account (requires `account_id`)
Investment holdings for an account (requires `account_id`)
No parameter schema in public metadata yet.
get_all_holdingsHoldings grouped by brokerage account; excludes other account types
Holdings grouped by brokerage account; excludes other account types
No parameter schema in public metadata yet.
get_account_historyPaginated balance history with inclusive, locally applied ISO date bounds
Paginated balance history with inclusive, locally applied ISO date bounds
No parameter schema in public metadata yet.
get_institutionsLinked financial institutions
Linked financial institutions
No parameter schema in public metadata yet.
get_recurring_transactionsScheduled occurrences within a date range
Scheduled occurrences within a date range
No parameter schema in public metadata yet.
get_recurring_streamsEvery recurring stream with its merchant ID and next forecast
Every recurring stream with its merchant ID and next forecast
No parameter schema in public metadata yet.
update_recurring_transactionChange a merchant's recurring schedule
Change a merchant's recurring schedule
No parameter schema in public metadata yet.
get_merchantsPage through merchants with transaction and rule counts
Page through merchants with transaction and rule counts
No parameter schema in public metadata yet.
delete_merchantDelete a merchant, optionally moving its transactions to another merchant
Delete a merchant, optionally moving its transactions to another merchant
No parameter schema in public metadata yet.
get_transaction_tagsList household tags
List household tags
No parameter schema in public metadata yet.
create_transaction_tagCreate a tag
Create a tag
No parameter schema in public metadata yet.
set_transaction_tagsReplace a transaction's tags; an empty list removes them
Replace a transaction's tags; an empty list removes them
No parameter schema in public metadata yet.
set_budget_amountSet a category's monthly budget, optionally for future months too
Set a category's monthly budget, optionally for future months too
No parameter schema in public metadata yet.
get_savings_goalsSavings goals with targets, balances, and progress
Savings goals with targets, balances, and progress
No parameter schema in public metadata yet.
set_savings_goal_budget_amountSet a goal's planned monthly contribution
Set a goal's planned monthly contribution
No parameter schema in public metadata yet.
create_manual_accountCreate a manually tracked account; valid types are in the `accounts://types` resource
Create a manually tracked account; valid types are in the `accounts://types` resource
No parameter schema in public metadata yet.
update_accountRename an account, set its balance, or change net worth and visibility settings
Rename an account, set its balance, or change net worth and visibility settings
No parameter schema in public metadata yet.
refresh_accountsTrigger account data refresh
Trigger account data refresh
No parameter schema in public metadata yet.
get_net_worth_historyDaily net worth, or monthly balances by account type
Daily net worth, or monthly balances by account type
No parameter schema in public metadata yet.
get_credit_score_historyHousehold credit score snapshots
Household credit score snapshots
No parameter schema in public metadata yet.
find_duplicate_transactionsPossible duplicates: same date, amount, statement name, and account
Possible duplicates: same date, amount, statement name, and account
No parameter schema in public metadata yet.
get_spending_summarySpending aggregated by category, account, or month, excluding transfers
Spending aggregated by category, account, or month, excluding transfers
No parameter schema in public metadata yet.
get_complete_financial_overviewCompact account, transaction, budget, and cashflow summaries; full sections opt-in
Compact account, transaction, budget, and cashflow summaries; full sections opt-in
No parameter schema in public metadata yet.
analyze_spending_patternsMonthly trends and a forecast from the last three complete months
Monthly trends and a forecast from the last three complete months
No parameter schema in public metadata yet.
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MONARCH_EMAIL*Monarch Money account email
MONARCH_PASSWORD*secretMonarch Money account password
MONARCH_MFA_SECRETsecretTOTP secret for 2FA, not a rotating code
MONARCH_FORCE_LOGINSet to 'true' to skip the cached session
MONARCH_SESSION_DIRDirectory for the cached session (default ~/.monarch-mcp)
MONARCH_LOG_RESULT_SIZESet to 'true' to log each tool result's size
Readme
Monarch Money MCP Server
Use an AI assistant to read and update your Monarch Money accounts, transactions, and budgets through MCP.
Why this fork?
This rewrite adds these tools to colvint's original server:
Details
- Repository
- github.com/jamiew/monarch-mcp
- Package
monarch-mcp-jamiew- Transport
- STDIO
- Auth
- Required
- Registry
- MCP registry, active