Monarch Mcp — independently scanned and version-tracked by SaferSkills.
SaferSkills independently audited Monarch Mcp (Agent Skill) and scored it 100/100 (green). The audit ran 55 deterministic rules across Security, Supply Chain, Maintenance, Transparency, and Community; it found 0 high-severity and 0 lower-severity findings. The full rule-by-rule trace and per-finding evidence are below. Free, methodology-open.
Findings & checks · 0 flagged
Every scanned point with the score it earned and what moved between them.
First recorded scan — no prior version to compare against.
The primary manifest — the file an agent reads to learn what this artifact does.
A Model Context Protocol (MCP) server that enables AI assistants to interact with your Monarch Money personal finance data. Manage accounts, transactions, budgets, and analyze your finances programmatically.
npm install
npm run buildSet these environment variables for automatic authentication:
export MONARCH_EMAIL="[email protected]"
export MONARCH_PASSWORD="your_password"
export MONARCH_MFA_SECRET="your_mfa_secret_key" # OptionalGetting your MFA Secret Key:
MONARCH_MFA_SECRETAdd to your claude_desktop_config.json:
{
"mcpServers": {
"monarch-money": {
"command": "node",
"args": ["/path/to/monarch-money-mcp/dist/index.js"],
"env": {
"MONARCH_EMAIL": "[email protected]",
"MONARCH_PASSWORD": "your_password",
"MONARCH_MFA_SECRET": "your_mfa_secret"
}
}
}
}// Login manually
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_login",
arguments: {
email: "[email protected]",
password: "your_password",
mfa_secret_key: "optional_mfa_secret"
}
});
// Check authentication status
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_check_auth"
});// Get all accounts
const accounts = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_accounts"
});
// Get account balance history
const history = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_account_history",
arguments: {
account_id: "account-uuid",
start_date: "2025-01-01",
end_date: "2025-01-31"
}
});// Get recent transactions
const transactions = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_transactions",
arguments: {
limit: 50,
start_date: "2025-01-01",
end_date: "2025-01-31"
}
});
// Create a new transaction
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_create_transaction",
arguments: {
amount: -45.50,
date: "2025-02-01",
account_id: "account-uuid",
merchant_name: "Coffee Shop",
category_id: "category-uuid",
notes: "Morning coffee"
}
});
// Update existing transaction
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_update_transaction",
arguments: {
transaction_id: "transaction-uuid",
category_id: "new-category-uuid",
notes: "Updated note"
}
});
// Split a transaction
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_update_transaction_splits",
arguments: {
transaction_id: "transaction-uuid",
splits: [
{ amount: -30.00, category_id: "groceries-uuid" },
{ amount: -15.00, category_id: "household-uuid" }
]
}
});// Get current budgets
const budgets = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_budgets"
});
// Set a budget
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_set_budget_amount",
arguments: {
category_id: "category-uuid",
amount: 500.00,
date: "2025-02-01"
}
});// Get cashflow summary
const cashflow = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_cashflow",
arguments: {
start_date: "2025-01-01",
end_date: "2025-01-31"
}
});
// Analyze spending by category
const byCategory = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_cashflow_by_category",
arguments: {
start_date: "2025-01-01",
end_date: "2025-01-31"
}
});
// Top merchants
const byMerchant = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_cashflow_by_merchant",
arguments: {
start_date: "2025-01-01",
end_date: "2025-01-31",
limit: 10
}
});// Get all categories
const categories = await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_get_categories"
});
// Create a new category
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_create_category",
arguments: {
name: "Side Projects",
icon: "💻"
}
});
// Create and apply tags
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_create_tag",
arguments: {
name: "Business Expense",
color: "#4CAF50"
}
});
await use_mcp_tool({
server_name: "monarch-money",
tool_name: "monarch_set_transaction_tags",
arguments: {
transaction_id: "transaction-uuid",
tag_ids: ["tag-uuid-1", "tag-uuid-2"]
}
});monarch_login - Login with email/password (supports MFA)monarch_check_auth - Check authentication statusmonarch_get_accounts - Get all accountsmonarch_get_account_history - Get balance historymonarch_get_account_holdings - Get investment holdingsmonarch_get_account_types - List account typesmonarch_create_manual_account - Create manual accountmonarch_update_account - Update account detailsmonarch_delete_account - Delete accountmonarch_refresh_accounts - Sync with institutionsmonarch_get_transactions - Search transactionsmonarch_get_transaction_details - Get transaction detailsmonarch_get_transaction_splits - Get split informationmonarch_get_transactions_summary - Get summary statsmonarch_create_transaction - Create transactionmonarch_update_transaction - Update transactionmonarch_delete_transaction - Delete transactionmonarch_update_transaction_splits - Split transactionmonarch_get_budgets - Get all budgetsmonarch_set_budget_amount - Set/update budgetmonarch_get_cashflow - Get cashflow summarymonarch_get_cashflow_by_category - Breakdown by categorymonarch_get_cashflow_by_merchant - Breakdown by merchantmonarch_get_categories - Get categoriesmonarch_get_tags - Get tagsmonarch_create_category - Create categorymonarch_delete_category - Delete categorymonarch_create_tag - Create tagmonarch_set_transaction_tags - Apply tagsmonarch_get_recurring_transactions - View recurring transactionsmonarch_get_subscription - Subscription detailsmonarch_get_institutions - Linked institutionsnpm run buildnpm run inspector~/.monarch_session.json~/.monarch_session.json and re-logging inBuilt with:
Inspired by community Python libraries for Monarch Money API access.
MIT
This is an unofficial MCP server for Monarch Money. It is not affiliated with, endorsed by, or connected to Monarch Money in any way. Use at your own risk.
~30 seconds. Free. No account. Every finding cites a rule and a line of evidence.