Monarch Money MCP Server
Monarch Money financial data access including transactions, budgets, and net worth analysis.
Data last scanned 2 days ago · Reviewed 2 days ago
Overview
This repository provides an interface for interacting with Monarch Money financial accounts, transactions, and budgeting tools through the Model Context Protocol. It allows users to pull data including investment account details, cashflow metrics, and progress toward financial goals directly into an MCP-compliant AI assistant. The server requires configuration of Monarch account credentials, including email, password, and an MFA secret key, via environment variables. It maps these inputs to specific tools that fetch balances, filter transaction history by date or category, and retrieve historical net worth snapshots.
Our verdict
This server carries a high-risk score of 0/100 and should be avoided. The repository is explicitly marked as archived, meaning no further security updates or maintenance will be provided. Users are strongly encouraged to migrate to the officially supported Monarch Money Connector instead of using this community-maintained, unvetted project that lacks a defined software license.
- Supports comprehensive financial data retrieval including investments and budgets
- Contains zero direct dependencies to minimize supply-chain risk
- Repository is archived and no longer receives maintenance or fixes
- Community-maintained project lacking official vendor affiliation
- No software license detected for the repository
Tools
| Tool | Description | Risk |
|---|---|---|
| get_accounts | List all accounts with their balances and details. | low |
| get_transactions | Get transactions with optional filtering. | low |
| get_categories | List all transaction categories. | low |
| get_budgets | Get budget information and spending analysis. | low |
| get_goals | List financial goals and their progress. | low |
| get_cashflow | Get cashflow data for income and expense analysis. | low |
| get_investments | Get investment account details and performance. | low |
| get_net_worth | Get net worth snapshots over time. | low |
Compatibility
| Client | Local | Docker | Remote | Read-only |
|---|---|---|---|---|
| ChatGPT | ||||
| Claude Desktop | ||||
| Cursor | ||||
| VS Code | ||||
| Windsurf |
Frequently asked questions
›Is this server still maintained?
The author has archived this repository in favor of the officially supported Monarch Money Connector.
›What information is needed for the authentication configuration?
You must provide your Monarch Money email, password, and the MFA secret key in your .mcp.json environment variables.
›How do I find my MFA secret?
You can retrieve the secret key by selecting the manual entry option when setting up 2FA in your Monarch Money account settings.
›How are authentication sessions managed?
The server automatically caches sessions in a .mm directory, but you can force a fresh login by setting the MONARCH_FORCE_LOGIN environment variable to true.
›What should I do if I encounter session or login errors?
You can clear cached sessions by deleting the .mm directory or by setting MONARCH_FORCE_LOGIN=true in your configuration file.
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