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

• 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

• Python 3.13+
• uv package manager (recommended)
• A Monarch Money account

1. Clone the repository:

1. Install dependencies:

   uv add mcp monarchmoney python-dotenv

1. 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

1. Test the connection:

   python test_api.py

Start the MCP server:

python run_server.py

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"
      }
    }
  }
}