Monarch Money MCP Server
Financial data and transaction tracking from Monarch Money accounts.
Data last scanned yesterday · Reviewed last month
Overview
The Monarch Money MCP Server allows AI assistants to interact with financial data, providing tools to list accounts, retrieve transactions, and analyze budgets. Users can view net worth snapshots, track financial goals, and monitor cashflow directly through supported MCP clients. This implementation requires configuration with Monarch account credentials and an MFA secret. It provides specific utilities for filtering transactions by date range, account, or category, as well as accessing investment performance details.
Our verdict
This repository is rated high-risk with a security score of 0/100. It is officially marked as archived and no longer maintained, meaning no further updates or security fixes will be provided. Users should migrate to the official Monarch Money Connector instead of using this community-maintained, deprecated tool.
- Zero direct dependencies reduce supply-chain surface area.
- Provides comprehensive tools for budget and investment analysis.
- Repository is archived and no longer receives maintenance.
- Lacks an open-source license, creating unclear legal usage terms.
- Community-maintained rather than supported by the official vendor.
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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