carsol/monarch-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:**
3. **Configure environment variables:**
Edit .env with your Monarch Money credentials:
4. **Test the connection:**
Usage
Running the Server
Start the MCP server:
Claude Desktop Integration
Add to your Claude Desktop configuration (claude_desktop_config.json):
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:**
2. **Check environment variables:**