Monarch Money MCP server + CLI

An MCP server and command line tool for Monarch Money. It gives Claude (or any MCP client) access to your accounts, transactions, cash flow, spending, income, budgets, goals, recurring bills, investments, and net worth. It's read-only unless you enable writes, which can only change a transaction's category or tags after you confirm.

Unofficial. This project isn't affiliated with Monarch Money, Inc. It uses Monarch's private web API, which may change without notice.

Installation

Requires macOS, Python 3.11+, and uv.

uv tool install 'monarch-money-mcp-cli[mcp]'   # or: pipx install 'monarch-money-mcp-cli[mcp]'
monarch auth                                   # email, password, MFA code
monarch doctor                                 # everything should be ok

Add it to Claude Code, then restart Claude Code:

claude mcp add monarch -s user -- "$(which monarch)" mcp

To let Claude change transaction categories and tags (it always asks you to confirm), add --allow-writes after mcp.

Command line

Run monarch --help to see all commands, and monarch <command> --help for a command's options.

monarch spending --last-month
monarch cashflow --ytd --entity "Acme LLC"
monarch tx --from 2026-01-01 --output csv > transactions.csv
monarch tx set-category 123456789 --category Subsidy

Troubleshooting

Run monarch doctor. Every row that isn't ok explains the problem, and most include the fix command.

• Not logged in or session expired: run monarch auth. If login asks for a CAPTCHA, use monarch auth paste-token.
• Monarch is temporarily unavailable: wait a minute and try again.
• /mcp doesn't show monarch: restart Claude Code after adding the server.

Security

Your password is never stored, and your session token stays in the macOS Keychain. The tool only talks to api.monarch.com. It changes data only through the allowlist in SECURITY.md, and only after you confirm.

License

MIT