robcerda/monarch-mcp-server

MCP Server for use with Monarch Money

What it solves

This project provides a Model Context Protocol (MCP) server that allows AI assistants like Claude Desktop and Claude Code to interact directly with the Monarch Money personal finance platform. It eliminates the need to manually export data or copy-paste financial information into an AI, enabling the AI to query accounts, transactions, and budgets in real-time.

How it works

The server acts as a bridge between the AI client and the Monarch Money API (via the MonarchMoneyCommunity Python library). It exposes 58 different tools that the AI can call to perform specific financial tasks. Authentication is handled securely outside of the the AI client—using either browser session cookies, email/password with MFA, or legacy tokens—and stored in the system keyring to ensure credentials never pass through the AI.

Who it’s for

Users of Monarch Money who want to use LLMs to analyze their spending, manage their budgets, categorize transactions, or track their net worth through a natural language interface.

Highlights

  • Comprehensive Financial Toolset: Includes tools for account management, transaction editing, bulk categorization, and net worth tracking.
  • Smarter Transaction Management: Supports creating transaction rules for auto-categorization and splitting transactions into multiple parts.
  • Detailed Analysis: Provides tools for cashflow analysis, spending summaries, and historical balance tracking.
  • Secure Authentication: Supports MFA, SSO/Google sign-in, and secure session persistence via system keyring.
  • Seamless Integration: Designed for immediate use with Claude Desktop and Claude Code.

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