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Monarch Money MCP Server

local only

Monarch Money runs on your own machine — the client starts it, so there is no endpoint to ping. 119 installs a week from npm. Last commit 30 Aug 2026.

MCP server for Monarch Money — account, transaction, and budget management.

Installs per day peak 191 · avg 21 · +59% w/w
a month agotoday
119
Installs / week
npm · monarch-money-mcp-server
80
Stars
26 open issues
30 Aug 2026
Last commit
0 releases in 90 days
MIT
License
TypeScript

What the code does

We read the source, 21 h ago · rules 3dff92dd89df

Capabilities

What this server is able to do. For an MCP server this is often the job itself — a terminal server runs commands because that is what it is for. Listed so you know what you are plugging in, not as an accusation.

File ships in the package but is absent from the source [пакет] shared/tools/accounts.js:1, [пакет] shared/monarch-client/auth.js:1, [пакет] shared/tools/auth.js:1 и ещё 18
этот файл ставится пользователю, но в репозитории его нет

Is this your server and something here is wrong? Tell us — corrections are free and do not require a plan.

This code can reach further than it looks

We found places where it runs commands, builds paths or queries from values it is given. None of that is a flaw by itself — it becomes one when the code changes, and code changes quietly between releases. We re-read it on every one.

Three servers free · no card

Connect this server

This server runs on your own machine — install it with the package manager and the client starts it for you. Package name taken from the official registry entry.

run in your terminal
claude mcp add monarch-money -- npx -y monarch-money-mcp-server
~/Library/Application Support/Claude/claude_desktop_config.json
{
  "mcpServers": {
    "monarch-money": {
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "command": "npx"
    }
  }
}
~/.codex/config.toml
[mcp_servers.monarch-money]
command = "npx"
args = ["-y", "monarch-money-mcp-server"]
.cursor/mcp.json
{
  "mcpServers": {
    "monarch-money": {
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "command": "npx"
    }
  }
}
.vscode/mcp.json
{
  "mcpServers": {
    "monarch-money": {
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "command": "npx"
    }
  }
}

This one needs environment variables set before it will start: MONARCH_SESSION_TOKEN (Pre-obtained session token for authentication (recommended over email/password).), MONARCH_EMAIL (Email address for email/password authentication.), MONARCH_PASSWORD (Password for email/password authentication.), MONARCH_TOTP (TOTP code if 2FA is enabled on the account.), MONARCH_EMAIL_OTP (Email OTP code required only on first login from a new install.), MONARCH_SESSION_PASSPHRASE (Override passphrase for encrypting the on-disk session file.), MONARCH_STATE_DIR (Directory where session.enc file is stored.), MONARCH_ENABLED_TOOL_GROUPS (Comma-separated list of tool groups to enable (readonly, manage).), MONARCH_ENABLED_TOOLS (Comma-separated whitelist of specific tool names to enable.), MONARCH_DISABLED_TOOLS (Comma-separated blacklist of specific tool names to disable.). The author declared them in the registry entry; get the values from the project itself.

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Monarch Money — questions

Answers built from our own checks of this server.

Why is there no uptime for Monarch Money?
Monarch Money runs on your own machine over stdio — there is no network address to reach, so uptime cannot be measured for it by anyone. What can be measured is adoption: the npm package monarch-money-mcp-server was installed 119 times last week.
How do I connect Monarch Money?
Copy the ready config from this page — we generate it for Claude Code, Claude Desktop, Codex, Cursor and VS Code, each with the file path that client actually reads. It runs locally, so the command pulls monarch-money-mcp-server straight from npm; nothing to host, nothing to sign up for.
How many people use Monarch Money?
The npm package monarch-money-mcp-server was installed 119 times in the last week. Week over week that is +59%. We show installs rather than GitHub stars on purpose: a star is a bookmark, an install is someone actually running it.
Is Monarch Money open source?
Yes — it is published under the MIT licence, written in TypeScript, 80 stars on GitHub and 26 open issues. The source link is on this page, so you can read exactly what it does with your data before you connect it.