Monarch MCP Server

Use an AI assistant to read and update your Monarch Money accounts, transactions, and budgets through MCP. Its 29 documented tools cover transaction, transactions, rule, account. It runs locally over stdio via the published package.

People who work with transaction, transactions and rule and want it reachable from Claude, Cursor, VS Code, or another MCP client. The project is written in Python.

VERIFIED ACTIVE

LAST COMMIT 2026-09-29 · ★ 24 · #36 OF 344 MAINTAINED FINANCE · VERIFIED 2026-09-30

MIT · Python servers · how we verify → /methodology

01 · Install Monarch MCP Server

before you install - you'll need

Set MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_MFA_SECRET, MONARCH_RUN_INTEGRATION before connecting.

Claude Code

claude mcp add jamiew-monarch-mcp -- uvx monarch-mcp-jamiew

Claude Desktop / Cursor / VS Code - add to config

{
  "mcpServers": {
    "jamiew-monarch-mcp": {
      "command": "uvx",
      "args": [
        "monarch-mcp-jamiew"
      ]
    }
  }
}

Same JSON for Cursor. For VS Code, rename the top-level key from `mcpServers` to `servers`.

Using another client? Same JSON, different key

Claude Desktop · mcpServers

Cursor · mcpServers

VS Code · servers

Windsurf · mcpServers

Zed · context_servers

Cline · mcpServers

Roo Code · mcpServers

Continue · mcpServers

LibreChat · mcpServers

Gemini CLI · mcpServers

Codex CLI · mcp_servers

Full setup guides: every client.

02 · Evidence

Security posture

What to check before giving this server access to your agent - from the registry, GitHub, and our own probes. We don't score safety; we show what's verifiable.

runs as local process (stdio) - runs on your machine with your user's permissions

license MIT - declared in the repository

pypi package monarch-mcp-jamiew - check the name against the project README before installing (PyPI has no namespace ownership)

registry namespace io.github.jamiew is GitHub-verified and matches the repo owner

03 · What Monarch MCP Server can do

Prose above is summarized from the project's README and registry record - no invented capabilities.

What you can build

With this server connected, an agent can list accounts with balances, search by merchant name or keyword, optionally pending/posted only, create a rule that matches merchant, statement text, or amount, and edit a rule, and optionally run it on past transactions.

Capability map

Tools grouped from the project's README - what Monarch MCP Server lets an agent do.

Transaction

11 tools - e.g. Category list (compact by default); Page through compact automation rules in priority order; Create a rule that matches merchant, statement text, or amount

get_transaction_categories · get_transaction_rules · create_transaction_rule · update_transaction_rule · delete_transaction_rule · create_transaction…

read & search

8 tools - e.g. List accounts with balances; Household members and IDs for ownership updates; Budget data and spending analysis

get_accounts · get_household_members · get_budgets · get_cashflow · get_all_holdings · get_institutions…

Transactions

4 tools - e.g. Transactions with date/account/category and pending/posted filtering; Search by merchant name or keyword, optionally pending/posted only; Update fields or owners with per-item success/failure

get_transactions · search_transactions · update_transactions_bulk · get_recurring_transactions

Account

3 tools - e.g. Investment holdings for an account (requires account_id); Paginated balance history with inclusive, locally applied ISO date bounds; Create a manually tracked account

get_account_holdings · get_account_history · create_manual_account

update

1 tool - e.g. Set a budget category amount

set_budget_amount

Refresh

1 tool - e.g. Trigger account data refresh

refresh_accounts

Analyze

1 tool - e.g. Monthly trends and forecasts, with compact budgets and explicit upstream errors

analyze_spending_patterns

Latest releases

v0.5.2 · 2026-09-29

Monarch MCP 0.5.2 helps your AI assistant work with split transactions. A split turns one purchase into several parts, each with its own category. · Big thanks to @prerak-proof for building this (#23).…

v0.5.1 · 2026-09-27

Monarch MCP 0.5.1 lets your AI assistant make, change, and delete transaction rules. A rule is an automatic "if this, then that" for transactions. For example: if the merchant is Corner Deli, set the category to…

v0.5.0 · 2026-09-20

Monarch MCP 0.5.0 adds new data tools and transaction ownership, with smaller responses and corrected account summaries. · Brokerage holdings, rules, household lookup, pending/posted filters, and ownership updates…

04 · Who maintains Monarch MCP Server

Monarch MCP Server is maintained by jamiew. We track 2 MCP servers from jamiew - 2 actively maintained, 35 combined GitHub stars, oldest repo from Jan 2025. Full record: all servers from jamiew.

  1. Spotify MCP server connecting LLMs to Spotify, with smart-batching and large-playlist tools ★ 11

05 · Facts

repository
github.com/jamiew/monarch-mcp
category
finance - ranked #36 of 344 actively-maintained finance servers as of 2026-09-30.
release cadence
3 releases in the last 90 days (latest 2026-09-29)
registry
io.github.jamiew/monarch-mcp (active, first published 2026-03-02 · 6 versions)
packages
pypi:monarch-mcp-jamiew

06 · Monarch MCP Server FAQ

Is Monarch MCP Server still maintained?

Yes - as of 2026-09-30, its last commit was 2026-09-29 and it shipped 3 releases in the last 90 days. We re-verify nightly.

What can Monarch MCP Server do?

With this server connected, an agent can list accounts with balances, search by merchant name or keyword, optionally pending/posted only, create a rule that matches merchant, statement text, or amount, and edit a rule, and optionally run it on past transactions.

How do I install Monarch MCP Server?

Run `uvx monarch-mcp-jamiew`. The README documents 4 environment variables (MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_MFA_SECRET…) to set first. Set MONARCH_EMAIL, MONARCH_PASSWORD, MONARCH_MFA_SECRET, MONARCH_RUN_INTEGRATION before connecting. You can also paste the ready-made client config above.

Does Monarch MCP Server run locally?

Yes - it's a stdio server: it runs on your machine (via uvx) with your user's permissions. Your data stays local unless the server itself calls external APIs.

07 · Alternatives to Monarch MCP Server

Alternatives to Monarch MCP Server

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  6. Emilia Protocol Exact-action approval for consequential agent actions: request, track, and verify signed receipts. ★ 617 · 2026-09-29

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