Monarch Money MCP

Example Use Cases

• 1

  Fetch and filter recent or historical transactions from a user's Monarch Money account to summarize spending or detect anomalies.

• 2

  Budget status and category-level cashflow summaries to generate insights, monthly reports, or budgeting recommendations.

• 3

  Detailed account and investment holdings information to aggregate net worth or build financial projections locally.

Description

This project provides a local, read-only Model Context Protocol (MCP) server that connects to a Monarch Money account and surfaces transactions, budgets, account details, and cashflow summaries to agents. It is designed for integration with tools like Claude Desktop and includes session caching, MFA support, and read-only safety to avoid accidental data changes. The server enables transaction search, budget tracking, and cashflow analysis without sending credentials off the local machine. It is an unofficial personal project intended for learning and personal finance analysis.