Monarch Money MCP Server

A Model Context Protocol (MCP) server for integrating with the Monarch Money personal finance platform through Claude Desktop. Its 40 documented tools cover transaction, account, transactions, accounts. It runs locally over stdio via the published package.

People connecting finance tools to Claude, Cursor, VS Code, or another MCP client. The project is written in Python.

VERIFIED ACTIVE

LAST COMMIT 2026-06-12 · ★ 12 · #93 OF 283 MAINTAINED FINANCE · VERIFIED 2026-08-25

MIT · Python servers · how we verify → /methodology

01 · Install Monarch Money

before you install - you'll need

Set MONARCH_LIVE_TESTS before connecting.

Claude Code

claude mcp add vargahis-monarch-mcp -- uvx monarch-mcp

Claude Desktop / Cursor / VS Code - add to config

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

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 · Claude Desktop extension (.mcpb bundle)

repository a fork of another project - check the upstream repo before trusting releases

license MIT - declared in the repository

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

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

03 · What Monarch Money 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 get setup instructions, check authentication status, debug keyring issues, and get all financial accounts.

Capability map

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

Transaction

14 tools - e.g. Get full transaction detail; Get split information; Create new transaction

get_transaction_details · get_transaction_splits · create_transaction · update_transaction · delete_transaction · update_transaction_splits…

Account

8 tools - e.g. Get investment holdings; Get historical balance data; Get daily balances

get_account_holdings · get_account_history · get_recent_account_balances · get_account_snapshots_by_type · get_account_type_options · create_manual_account…

Transactions

4 tools - e.g. Transactions; Get transactions with filtering (date, account, category, tag, search, needs\_review, and more); Aggregate transaction stats

Transactions · get_transactions · get_transactions_summary · get_recurring_transactions

Accounts

3 tools - e.g. Accounts; Get all financial accounts; Request account data refresh

Accounts · get_accounts · refresh_accounts

read & search

3 tools - e.g. Daily aggregate net value; Get connected institutions; Search recent transactions for a merchant and return distinct IDs

get_aggregate_snapshots · get_institutions · find_merchant_id_by_name

auth & access

2 tools - e.g. Auth; Check authentication status

Auth · check_auth_status

update

1 tool - e.g. Get setup instructions

setup_authentication

Debug

1 tool - e.g. Debug keyring issues

debug_session_loading

Latest releases

v0.1.4 · 2026-06-12

harden loopback login server (CSRF, DNS-rebinding, info-hygiene) · bump actions/ off deprecated Node 20 runtime · add clear_notes/clear_goal flags to update_transaction

v0.1.3 · 2026-06-10

Make RC publishing manual via workflow_dispatch · Fix gh release view in publish-rc validation · Pin Python upper bound to <3.14 · Remove outdated FUNDING.yml · consolidate auth-recovery logic in auth_server · Add…

v0.1.2 · 2026-03-01

Restructure Quick Start: four install options, remove install table · Add MCP Registry publishing and unify release workflow

04 · Who maintains Monarch Money

Monarch Money is maintained by vargahis. It's the only MCP server we track from this author; the repo dates to Jan 2026.

05 · Facts

repository: github.com/vargahis/monarch-mcp
category: finance - ranked #93 of 283 actively-maintained finance servers as of 2026-08-25.
release cadence: 2 releases in the last 90 days (latest 2026-06-12)
registry: io.github.vargahis/monarch-money (active, first published 2026-03-01 · 4 versions)
packages: pypi:monarch-mcp · mcpb:https://github.com/vargahis/monarch-mcp/releases/download/v0.1.4/monarch-mcp-v0.1.4.mcpb

06 · Monarch Money FAQ

Is Monarch Money still maintained?

Yes - as of 2026-08-25, its last commit was 2026-06-12 and it shipped 2 releases in the last 90 days. We re-verify nightly.

What can Monarch Money do?

With this server connected, an agent can get setup instructions, check authentication status, debug keyring issues, and get all financial accounts.

How do I install Monarch Money?

Run `uvx monarch-mcp`. The README documents one environment variable (MONARCH_LIVE_TESTS) to set first. Set MONARCH_LIVE_TESTS before connecting. You can also paste the ready-made client config above.

Does Monarch Money 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 Money

Alternatives to Monarch Money

Maintained finance servers if Monarch Money isn't the fit.

Pairs well with

Servers that cover what Monarch Money doesn't - only shown when the pairing reason fits the companion.

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