Monarch Money MCP Server

A Model Context Protocol (MCP) server that provides seamless integration between Monarch Money and Claude Desktop. This server enables you to query your financial data, analyze spending patterns, and get personalized financial insights directly through conversational AI.

🚀 Features

• 🏦 Account Management: View all accounts with real-time balances and details
• 💳 Transaction Analysis: Search and filter transactions with advanced criteria
• 📊 Spending Insights: Analyze spending patterns by category, merchant, and time period
• 💰 Budget Tracking: Monitor budget performance with planned vs. actual spending
• 📈 Net Worth Calculation: Track your total net worth and asset allocation
• 📅 Monthly Reports: Generate comprehensive monthly financial summaries
• 🏷️ Category Management: Explore and analyze transaction categories
• 📉 Balance History: View account balance trends over time
• 🔐 Secure Authentication: Token-based authentication with MFA support

🛡️ Security & Privacy

• Token-based authentication - No need to store credentials long-term
• Environment variable protection - Credentials never hardcoded
• Multi-factor authentication support - Enhanced security for your financial data
• GraphQL API integration - Secure communication with Monarch Money
• Local processing - All analysis happens on your machine

📋 Prerequisites

Before you begin, ensure you have:

• Node.js 18+ installed on your system
• Claude Desktop application installed
• Monarch Money account with valid credentials
• npm or yarn package manager

🔧 Installation

1. Clone the Repository

git clone https://github.com/whitebirchio/monarch-mcp.git
cd monarch-mcp

2. Install Dependencies

npm install

3. Authentication Setup

🔑 Option A: Token Authentication (Recommended)

1. Get your authentication token:

   npm run login
   

2. Follow the prompts to enter your Monarch Money credentials and MFA code (if required)

3. Copy the generated token for use in Claude Desktop configuration

📧 Option B: Direct Credentials

Create a .env file with your credentials:

MONARCH_TOKEN=your-auth-token-here

4. Build the Project

npm run build

⚙️ Claude Desktop Configuration

macOS Configuration

Edit your Claude Desktop config file:

~/Library/Application Support/Claude/claude_desktop_config.json

Add this configuration:

{
  "mcpServers": {
    "monarch-money": {
      "command": "node",
      "args": ["/absolute/path/to/monarch-mcp/dist/index.js"],
      "env": {
        "MONARCH_TOKEN": "your-auth-token-here"
      }
    }
  }
}

Windows Configuration

Edit your Claude Desktop config file:

%APPDATA%/Claude/claude_desktop_config.json

Use the same JSON structure with Windows-style paths:

{