Monarch Money MCP Server
A Model Context Protocol (MCP) server that provides read-only access to Monarch Money financial data. This allows AI assistants like Claude Desktop to analyze your financial information, transactions, budgets, and cashflow data.
Note: I've created this for personal fun and is not affiated with Monarch Money. I mostly created it for learning about my spending, using it for projections. Since I don't have any need to mutate any data it's currently READONLY.
Shout out to
Features
- Read-only access to Monarch Money accounts
- Transaction analysis with date filtering and search
- Budget tracking and cashflow analysis
- Account details including investment holdings
- Secure authentication with MFA support
- Session persistence to minimize re-authentication
Installation
Prerequisites
- Python 3.13+
- uv package manager (recommended)
- A Monarch Money account
Setup
Clone the repository:
Install dependencies:
uv add mcp monarchmoney python-dotenvConfigure environment variables:
cp .env.example .envEdit
.envwith your Monarch Money credentials:MONARCH_EMAIL=your-email@example.com MONARCH_PASSWORD=your-monarch-password MONARCH_MFA_SECRET=your-mfa-secret-key # Optional but recommendedTest the connection:
python test_api.py
