Monarch Money MCP Server

An MCP (Model Context Protocol) server that provides access to Monarch Money financial data and operations.

Features

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

Installation

Clone or download this MCP server
Install dependencies:
```
cd /path/to/monarch-money-mcp
uv sync
```

Configuration

Add the server to your .mcp.json configuration file:

{
  "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"
      }
    }
  }
}

Important Notes:

Replace /path/to/uv with the full path to your uv executable (find it with which uv)
Replace /path/to/monarch-money-mcp with the absolute path to this server directory
Use absolute paths, not relative paths

Getting Your MFA Secret

Go to Monarch Money settings and enable 2FA
When shown the QR code, look for the "Can't scan?" or "Enter manually" option
Copy the secret key (it will be a string like T5SPVJIBRNPNNINFSH5W7RFVF2XYADYX)
Use this as your MONARCH_MFA_SECRET

Available Tools

`get_accounts`

List all accounts with their balances and details.

`get_transactions`

Get transactions with optional filtering:

start_date: Filter transactions from this date (YYYY-MM-DD)
end_date: Filter transactions to this date (YYYY-MM-DD)
account_ids: List of account IDs to filter by
category_ids: List of category IDs to filter by
limit: Maximum number of transactions to return

`get_categories`

List all transaction categories.

`get_budgets`

Get budget information and spending analysis.

`get_goals`

List financial goals and their progress.

`get_cashflow`

Get cashflow data for income and expense analysis.

`get_investments`

Get investment account details and performance.

`get_net_worth`

Get net worth snapshots over time.

Usage Examples

Basic Account Information

Use the get_accounts tool to see all my accounts and their current balances.

Transaction Analysis

Get all transactions from January 2024 using get_transactions with start_date "2024-01-01" and end_date "2024-01-31".

Budget Tracking

Show me my current budget status using the get_budgets tool.

Session Management

The server automatically manages authentication sessions:

Sessions are cached in a .mm directory for faster subsequent logins
The session cache is automatically created and managed
Use MONARCH_FORCE_LOGIN=true in the env section to force a fresh login if needed

Troubleshooting

MFA Issues

Ensure your MFA secret is correct and properly formatted
Try setting MONARCH_FORCE_LOGIN=true in your .mcp.json env section
Check that your system time is accurate (required for TOTP)

Connection Issues

Verify your email and password are correct in .mcp.json
Check your internet connection
Try running the server directly to see detailed error messages:
```
uv run server.py
```

Session Problems

Delete the .mm directory to clear cached sessions
Set MONARCH_FORCE_LOGIN=true in your .mcp.json env section temporarily

Credits

MCP Server

Author: Taurus Colvin (@colvint)
Description: MCP (Model Context Protocol) server wrapper for Monarch Money

MonarchMoney Python Library

Author: hammem (@hammem)
Repository: https://github.com/hammem/monarchmoney
License: MIT License
Description: The underlying Python library that provides API access to Monarch Money

This MCP server wraps the monarchmoney Python library to provide seamless integration with AI assistants through the Model Context Protocol.

Security Notes

Keep your credentials secure in your .mcp.json file
The MFA secret provides full access to your account - treat it like a password
Session files in .mm directory contain authentication tokens - keep them secure
Consider restricting access to your .mcp.json file since it contains sensitive credentials