Monarch Money
Comprehensive Monarch Money integration with read and write support for accounts, transactions, budgets, cashflow, credit history, and more. Secure browser-based auth with tokens stored in the OS keychain. Installs in one click via .mcpb for Claude D
What is Monarch Money?
Monarch Money is a Model Context Protocol (MCP) server that allows AI assistants like Claude, Cursor, and VS Code to comprehensive monarch money integration with read and write support for accounts, transactions, budgets, cashflow, credit history, and more. secure browser-based auth with tokens stored in the os keyc...
Comprehensive Monarch Money integration with read and write support for accounts, transactions, budgets, cashflow, credit history, and more. Secure browser-based auth with tokens stored in the OS keychain. Installs in one click via .mcpb for Claude D
This server falls under the Finance & Fintech category on MCPgee, the world's largest MCP server directory with 33,000+ servers.
Features
- Comprehensive Monarch Money integration with read and write
Use Cases
Maintainer
Works with
Installation
PIP
pip install monarch-mcpManual Installation
pip install monarch-mcpConfiguration
Configuration Details
claude_desktop_config.json
Performance
Response Metrics
Resource Usage
How to Set Up and Use Monarch Money
The Monarch Money MCP server provides a comprehensive integration with the Monarch Money personal finance platform, exposing over 50 tools that cover accounts, transactions, budgets, cashflow, net worth, recurring transactions, and more with both read and write support. Authentication is handled securely through a browser-based login script and sessions are persisted in an OS-level pickle file, so credentials never pass through Claude. It is designed for individuals who want to analyze and manage their finances through natural language rather than the Monarch Money web interface.
Prerequisites
- Python 3.10+ installed
- A Monarch Money account (monarchmoney.com)
- pip or uv package manager
- An MCP-compatible client such as Claude Desktop or Claude Code
- 2FA codes available if two-factor authentication is enabled on your Monarch Money account
Clone the repository
Clone the monarch-mcp-server repository to your local machine.
git clone https://github.com/robcerda/monarch-mcp-server.git
cd monarch-mcp-serverInstall dependencies
Install required Python packages using pip or uv.
# With pip
pip install -r requirements.txt && pip install -e .
# Or with uv
uv syncRun the authentication setup
Run the login setup script and enter your Monarch Money email, password, and 2FA code when prompted. The session is saved locally and persists for weeks.
python login_setup.pyNote the installation path
Record the absolute path to the directory where you cloned the repo — you will need it in the MCP config.
pwdConfigure your MCP client
Add the server to your claude_desktop_config.json. Replace the path with the actual absolute path to your monarch-mcp-server directory.
{
"mcpServers": {
"monarch": {
"command": "python",
"args": ["/absolute/path/to/monarch-mcp-server/server.py"]
}
}
}Restart Claude Desktop and verify
Restart your MCP client. Ask Claude to list your accounts to confirm the connection is working.
Monarch Money Examples
Client configuration
Claude Desktop configuration for the Monarch Money MCP server. No API keys are needed in the config — authentication is handled by the session file created during login_setup.py.
{
"mcpServers": {
"monarch": {
"command": "python",
"args": ["/Users/yourname/monarch-mcp-server/server.py"]
}
}
}Prompts to try
Example natural-language prompts to use after the server is connected.
- "Show me all my financial accounts and their current balances."
- "What are my last 50 transactions?"
- "Find all Amazon purchases over $50 from last month."
- "How is my spending tracking against my budget this month?"
- "What is my net worth trend over the past year?"Troubleshooting Monarch Money
Authentication fails during login_setup.py
Ensure your Monarch Money credentials are correct and that you enter the 2FA code within the time limit. If the session expires later, re-run `python login_setup.py` to refresh it.
Claude cannot find the server module on startup
Verify you used an absolute path in the `args` field of your MCP config. Relative paths like `./server.py` do not work because the MCP client may launch from a different working directory.
Write operations (create/update/delete transactions) are blocked
In Claude Desktop, configure mutating tools to require manual approval before execution. This is recommended by the project and provides a safety net for destructive operations.
Frequently Asked Questions about Monarch Money
What is Monarch Money?
Monarch Money is a Model Context Protocol (MCP) server that comprehensive monarch money integration with read and write support for accounts, transactions, budgets, cashflow, credit history, and more. secure browser-based auth with tokens stored in the os keychain. installs in one click via .mcpb for claude d It connects AI assistants to external tools and data sources through a standardized interface.
How do I install Monarch Money?
Install via pip with: pip install monarch-mcp. Then configure your AI client to connect to this MCP server.
Which AI clients work with Monarch Money?
Monarch Money works with all major MCP-compatible AI clients including Claude Desktop, Claude Code, Cursor, VS Code (GitHub Copilot), Windsurf, and Cline.
Is Monarch Money free to use?
Yes, Monarch Money is open source and available under the MIT License license. You can use it freely in both personal and commercial projects.
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Set Up Monarch Money in Your Editor
Choose your AI client for step-by-step setup instructions.
Quick Config Preview
Add this to your claude_desktop_config.json or .cursor/mcp.json
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