carsol/monarch-mcp-server

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

1. Clone the repository:

2. Install dependencies:

   uv add mcp monarchmoney python-dotenv
   

3. Configure environment variables:

   cp .env.example .env
   

   Edit .env with your Monarch Money credentials:

   MONARCH_EMAIL=your-email@example.com
   MONARCH_PASSWORD=your-monarch-password
   MONARCH_MFA_SECRET=your-mfa-secret-key  # Optional but recommended
   

4. Test the connection:

   python test_api.py
   

Usage

Running the Server

Start the MCP server:

python run_server.py

Claude Desktop Integration

Add to your Claude Desktop configuration (claude_desktop_config.json):

{
  "mcpServers": {
    "monarch-money": {
      "command": "python",
      "args": ["/path/to/monarch-mcp-server/run_server.py"],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret"
      }
    }
  }
}

Available Resources

• monarch://accounts - All linked accounts
• monarch://transactions/recent - Last 100 transactions
• monarch://budgets - Budget information with actual vs target
• monarch://cashflow/summary - Income, expenses, and savings summary

Available Tools

• get_transactions - Get transactions with date range filtering
• get_account_details - Detailed account information including holdings
• get_cashflow_analysis - Cashflow analysis by category and time period
• search_transactions - Search transactions by description or merchant
• get_categories - All transaction categories
• get_institutions - Linked financial institutions

Example Prompts

Once configured with Claude Desktop, you can ask:

• "Show me my recent transactions from last month"
• "What's my current budget status?"
• "Analyze my spending patterns by category"
• "How much did I spend on groceries this year?"
• "What are my investment account balances?"

Security

• No write operations - Server is read-only for safety
• Local credentials - Your login details stay on your machine
• Session caching - Reduces authentication frequency
• MFA support - Two-factor authentication recommended

Troubleshooting

Authentication Issues

1. Run the debug script:

   python debug_server.py
   

2. Check environment variables:

   python -c "import os; print('Email:', bool(os.getenv('MONARCH_EMAIL'))); print('Password:', bool(os.getenv('MONARCH_PASSWORD')))"
   

3. Clear session cache:

   rm -rf .mm/
   

Common Issues

• MFA required: Set MONARCH_MFA_SECRET environment variable
• Session expired: Delete .mm/ directory to force fresh login
• Import errors: Ensure all dependencies installed with uv add

Development

Project Structure

monarch-mcp-server/
├── monarch_mcp_server.py     # Main MCP server implementation
├── run_server.py             # Server launcher script
├── debug_server.py           # Authentication debugging
├── test_api.py              # API connection testing
├── tests/                   # Unit tests
│   ├── __init__.py
│   └── test_monarch_mcp_server.py
├── pyproject.toml           # Project dependencies
├── .github/workflows/       # CI/CD workflows
└── .env.example             # Environment template

Testing

Install test dependencies:

uv sync --extra test

Run the unit test suite:

uv run pytest tests/ -v

Run tests with coverage:

uv run pytest tests/ --cov=monarch_mcp_server --cov-report=term

Run manual API test:

python test_api.py

Contributing

1. Fork the repository
2. Create a feature branch
3. Make your changes
4. Test thoroughly
5. Submit a pull request

License

MIT License - see file for details.

Disclaimer

This project is not affiliated with Monarch Money. Use at your own risk and ensure compliance with Monarch Money's terms of service.