mmoney 0.1.3

CLI for Monarch Money - access your financial data from the command line

mmoney-cli

Disclaimer: This is an unofficial, community-built CLI tool. It is not affiliated with, endorsed by, or supported by Monarch Money. Use at your own risk.

CLI for Monarch Money - access your financial data from the command line. Built for humans and AI agents.

Built on top of monarchmoneycommunity.

Quick Start

1. Install

# One-liner (recommended)
curl -sSL https://raw.githubusercontent.com/theFong/mmoney-cli/main/install.sh | bash

# Or with a package manager
uv tool install mmoney      # fast, modern
pipx install mmoney         # stable, widely used
pip install mmoney          # may require PATH setup

2. Authenticate

# Interactive login (recommended - keeps password out of shell history)
mmoney auth login

# Or with MFA secret for full automation
mmoney auth login -e [e-mail] -p yourpassword --mfa-secret YOUR_SECRET

See Authentication Methods for all options.

3. Use

mmoney accounts list                    # List all accounts
mmoney transactions list --limit 10     # Recent transactions
mmoney cashflow summary                 # Income, expenses, savings

Claude Code Integration

This CLI is designed for use with Claude Code and other AI agents.

Install the Skill

mkdir -p ~/.claude/commands && curl -o ~/.claude/commands/mmoney.md https://raw.githubusercontent.com/theFong/mmoney-cli/main/.claude/commands/mmoney.md

Example Prompts

Once installed, ask Claude Code things like:

• "Do I have enough liquid cash to cover 6 months of expenses?"
• "What's my savings rate this month vs last month?"
• "Am I on track with my budget? Where am I overspending?"
• "How much am I losing to subscriptions I might not need?"
• "What's my net worth trend over the past year?"
• "Show me my biggest spending categories - where can I cut back?"
• "If I lost my job today, how long could I sustain my current lifestyle?"
• "What percentage of my income is going to debt payments?"

Claude will combine multiple commands, do the math, and give you actionable insights.

Security with AI Agents

Your credentials are safe when using Claude Code:

• Tokens stored in OS keychain (not accessible to agents)
• Passwords entered interactively (not in shell history)
• API responses contain only financial data (no credentials)

See Security for details.

Usage Examples

Check account balances

mmoney accounts list | jq '.accounts[] | {name: .displayName, balance: .currentBalance}'

Find specific transactions

mmoney transactions list --search "Amazon" --start-date 2024-01-01 --end-date 2024-12-31

Monthly spending summary

mmoney cashflow summary --timeframe last_month

Export transactions to CSV

mmoney transactions list --format csv > transactions.csv

Investment portfolio

mmoney holdings list --format csv

Commands

Authentication

mmoney auth login      # Login to Monarch Money
mmoney auth logout     # Delete saved session
mmoney auth status     # Check authentication status

Accounts

mmoney accounts list              # List all accounts
mmoney accounts types             # List account types
mmoney accounts create            # Create manual account
mmoney accounts update <id>       # Update account
mmoney accounts delete <id>       # Delete account
mmoney accounts refresh           # Refresh from institutions
mmoney accounts refresh-status    # Check refresh status

Holdings

mmoney holdings list <account_id>     # List holdings
mmoney holdings history <account_id>  # Balance history
mmoney holdings snapshots             # Aggregate snapshots
mmoney holdings balances              # Recent balances

Transactions

mmoney transactions list              # List transactions
mmoney transactions get <id>          # Get transaction details
mmoney transactions summary           # Transaction summary
mmoney transactions splits <id>       # Get splits
mmoney transactions create            # Create transaction
mmoney transactions update <id>       # Update transaction
mmoney transactions delete <id>       # Delete transaction

Categories

mmoney categories list      # List categories
mmoney categories groups    # List category groups
mmoney categories create    # Create category
mmoney categories delete    # Delete category

Tags

mmoney tags list                    # List tags
mmoney tags create                  # Create tag
mmoney tags set <transaction_id>    # Set tags on transaction

Budgets

mmoney budgets list    # List budgets
mmoney budgets set     # Set budget amount

Cashflow

mmoney cashflow summary    # Income, expenses, savings
mmoney cashflow details    # By category and merchant

Other

mmoney recurring list       # Recurring transactions
mmoney institutions list    # Linked institutions
mmoney subscription status  # Subscription details

Common Options

Most list commands support:

• --limit, -l: Number of records
• --start-date, -s: Start date (YYYY-MM-DD)
• --end-date, -e: End date (YYYY-MM-DD)
• --format, -f: Output format (json, csv, jsonl, text)

Authentication Methods

Recommended methods in order of preference:

Method	Flag	Best for
MFA Secret	--mfa-secret	Full automation, long-lasting
MFA Code	--mfa-code	Manual entry, secure
Device UUID	--device-uuid	Bypasses MFA
Token	--token	Quick testing, shortest lived

Get Device UUID:

# In browser console at app.monarchmoney.com:
copy(localStorage.getItem('monarchDeviceUUID'))

Get Token:

# In browser Network tab, find 'Authorization: Token YOUR_TOKEN' header

Run mmoney auth login --help for detailed instructions.

Session Storage

Sessions are stored securely using your system's keychain:

• macOS: Keychain
• Windows: Credential Manager
• Linux: Secret Service

Falls back to ~/.mmoney/session.pickle if keychain is unavailable.

Documentation

• Command Reference - Complete guide to all commands
• JSON Schemas - Output schemas for agent integration
• Security - Credential storage and AI agent safety

Development

# Clone the repo
git clone https://github.com/theFong/mmoney-cli.git
cd mmoney-cli

# Full setup (installs uv, deps, git hooks)
./scripts/setup-dev.sh

# Or use VS Code devcontainer
# Open in VS Code and click "Reopen in Container"

Quick commands:

uv run mmoney --help        # Run the CLI
uv run pytest tests/        # Run tests
./scripts/setup-dev.sh lint # Run all linters
./scripts/setup-dev.sh test # Run tests

Releasing

1. Update version in pyproject.toml
2. Commit and push to main
3. Either:
   • Create a GitHub release: gh release create vX.Y.Z (auto-publishes to PyPI)
   • Manual: Run the publish workflow

License

MIT