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Monarch Money

Monarch Money is an MCP server that adds finance tools to AI assistants such as Claude Desktop, Claude Code and Cursor. MCP server for Monarch Money — account, transaction, and budget management. It has 81 GitHub stars, is released under the MIT license and runs locally with npx -y monarch-money-mcp-server.

github.com/pulsemcp/mcp-servers (opens in a new tab)

  • Official
  • Needs API key
  • Finance
  • MIT
  • Actively maintained
View on GitHub (opens in a new tab)

Install Monarch Money

Generated from the server's MCP registry entry. Replace your-value with your own values.

Claude Desktop

claude_desktop_config.json
{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value"
      }
    }
  }
}

Settings > Developer > Edit Config. macOS: ~/Library/Application Support/Claude/, Windows: %APPDATA%\Claude\. Restart Claude Desktop afterwards.

Claude Code

claude mcp add --env MONARCH_SESSION_TOKEN=your-value --env MONARCH_PASSWORD=your-value --env MONARCH_TOTP=your-value --env MONARCH_EMAIL_OTP=your-value --env MONARCH_SESSION_PASSPHRASE=your-value --transport stdio monarch-money -- npx -y monarch-money-mcp-server

Cursor

.cursor/mcp.json
{
  "mcpServers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "your-value",
        "MONARCH_PASSWORD": "your-value",
        "MONARCH_TOTP": "your-value",
        "MONARCH_EMAIL_OTP": "your-value",
        "MONARCH_SESSION_PASSPHRASE": "your-value"
      }
    }
  }
}

Project file; use ~/.cursor/mcp.json to enable it in every project.

VS Code

.vscode/mcp.json
{
  "inputs": [
    {
      "type": "promptString",
      "id": "monarch_session_token",
      "description": "MONARCH_SESSION_TOKEN",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_password",
      "description": "MONARCH_PASSWORD",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_totp",
      "description": "MONARCH_TOTP",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_email_otp",
      "description": "MONARCH_EMAIL_OTP",
      "password": true
    },
    {
      "type": "promptString",
      "id": "monarch_session_passphrase",
      "description": "MONARCH_SESSION_PASSPHRASE",
      "password": true
    }
  ],
  "servers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "${input:monarch_session_token}",
        "MONARCH_PASSWORD": "${input:monarch_password}",
        "MONARCH_TOTP": "${input:monarch_totp}",
        "MONARCH_EMAIL_OTP": "${input:monarch_email_otp}",
        "MONARCH_SESSION_PASSPHRASE": "${input:monarch_session_passphrase}"
      }
    }
  }
}

Config formats checked against the official docs on Oct 7, 2026: modelcontextprotocol.io (opens in a new tab), code.claude.com (opens in a new tab), cursor.com (opens in a new tab), code.visualstudio.com (opens in a new tab).

Environment variables

Variables the server reads at startup.

NameRequiredDescription
MONARCH_SESSION_TOKENsecretNoPre-obtained session token for authentication (recommended over email/password).
MONARCH_EMAILNoEmail address for email/password authentication.
MONARCH_PASSWORDsecretNoPassword for email/password authentication.
MONARCH_TOTPsecretNoTOTP code if 2FA is enabled on the account.
MONARCH_EMAIL_OTPsecretNoEmail OTP code required only on first login from a new install.
MONARCH_SESSION_PASSPHRASEsecretNoOverride passphrase for encrypting the on-disk session file.
MONARCH_STATE_DIRNoDirectory where session.enc file is stored.
MONARCH_ENABLED_TOOL_GROUPSNoComma-separated list of tool groups to enable (readonly, manage).
MONARCH_ENABLED_TOOLSNoComma-separated whitelist of specific tool names to enable.
MONARCH_DISABLED_TOOLSNoComma-separated blacklist of specific tool names to disable.

Tools (23)

Parsed from the Tools section of the README; check the repository for the current list.

  • check_authentication

    readonly, manage

  • monarch_login_with_token

    manage

  • get_accounts

    readonly, manage

  • get_account_balance_history

    readonly, manage

  • set_account_balance_history

    manage

  • refresh_accounts

    manage

  • get_net_worth

    readonly, manage

  • get_transactions

    readonly, manage

  • get_transaction_details

    readonly, manage

  • create_transaction

    manage

  • update_transaction

    manage

  • delete_transaction

    manage

  • split_transaction

    manage

  • get_categories

    readonly, manage

  • get_tags

    readonly, manage

  • create_tag

    manage

  • delete_tag

    manage

  • get_transaction_rules

    readonly, manage

  • create_transaction_rule

    manage

  • update_transaction_rule

    manage

  • delete_transaction_rule

    manage

  • get_budgets

    readonly, manage

  • set_budget_amount

    manage

About Monarch Money

MCP server for Monarch Money — a personal finance app that aggregates accounts, transactions, budgets, and net worth across institutions. This server gives an AI assistant read and write access to the same data the Monarch web/mobile app shows you, scoped to your own account.

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FAQ

Monarch Money FAQ

Still curious? Email info@appsgit.com.

What is Monarch Money?

Monarch Money is an MCP server that adds finance tools to AI assistants such as Claude Desktop, Claude Code and Cursor. MCP server for Monarch Money — account, transaction, and budget management. It has 81 GitHub stars, is released under the MIT license and runs locally with npx -y monarch-money-mcp-server. The source code is at github.com/pulsemcp/mcp-servers.

How do I install the Monarch Money MCP server?

Add the command npx -y monarch-money-mcp-server to your MCP client: put it in claude_desktop_config.json for Claude Desktop, run claude mcp add for Claude Code, or add it to .cursor/mcp.json (Cursor) or .vscode/mcp.json (VS Code). The snippets on this page are ready to paste.

Is Monarch Money free?

The server is open source under the MIT license, so running it is free. It needs credentials (MONARCH_SESSION_TOKEN, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP and MONARCH_SESSION_PASSPHRASE) for the service it connects to, which may require a paid account.

Is Monarch Money actively maintained?

The most recent commit was on Aug 30, 2026. The latest release is monorepo-latest-placeholder@0.0.0, published Jul 3, 2025. appsgit only lists MCP servers with a commit in the last six months and re-checks every server daily.