Monarch MCP Server — Claude Code MCP server: what it does
Hands your assistant the Monarch Money account: balances, transactions, budgets, merchant search and batch edits.
claude mcp add --env MONARCH_EMAIL=<MONARCH_EMAIL> --env MONARCH_PASSWORD=<MONARCH_PASSWORD> --env MONARCH_MFA_SECRET=<MONARCH_MFA_SECRET> --env MONARCH_FORCE_LOGIN=<MONARCH_FORCE_LOGIN> --transport stdio monarch-mcp-server -- uvx monarch-mcp-jamiewWhat Monarch MCP Server does
A FastMCP build of the Monarch Money connector. The agent lists accounts with balances, filters transactions by date or pending status, and reads categories and automation rules. Merchant and keyword lookup runs across the whole history, and a batch edit returns a separate result for each item.
Money questions get their own tools: totals grouped by category, account or month, a month-over-month comparison, and a single call that pulls accounts, budgets, cashflow, transactions and categories at once. Splits and recurring schedules are readable and editable as well.
The package monarch-mcp-jamiew runs through uvx, so uv has to be on the machine first. Login, password and the TOTP secret sit in MONARCH_EMAIL, MONARCH_PASSWORD and MONARCH_MFA_SECRET, and a missing or wrong secret stops the sign-in. Typing those flags puts them in shell history, so editing the client config file directly is the safer route.
What it helps with
- find every transaction from one merchant
- re-tag a batch of transactions in one pass
- compare spending between two months
- pull accounts, budgets and cashflow in one request
- check upcoming recurring charges
Example prompts for the agent
- Find all transactions from this merchant and total them for last month.
- Move the Netflix charges into the Subscriptions category.
- Compare spending by category for May and June and flag what went up.
How to install Monarch MCP Server
Platform CLI
claude mcp add --env MONARCH_EMAIL=<MONARCH_EMAIL> --env MONARCH_PASSWORD=<MONARCH_PASSWORD> --env MONARCH_MFA_SECRET=<MONARCH_MFA_SECRET> --env MONARCH_FORCE_LOGIN=<MONARCH_FORCE_LOGIN> --transport stdio monarch-mcp-server -- uvx monarch-mcp-jamiewReplace <…> with your own values. uvx runs the command named after the package; if the README names another one, use uvx --from monarch-mcp-jamiew <command>
Platform CLI
codex mcp add monarch-mcp-server --env MONARCH_EMAIL=<MONARCH_EMAIL> --env MONARCH_PASSWORD=<MONARCH_PASSWORD> --env MONARCH_MFA_SECRET=<MONARCH_MFA_SECRET> --env MONARCH_FORCE_LOGIN=<MONARCH_FORCE_LOGIN> -- uvx monarch-mcp-jamiewReplace <…> with your own values. uvx runs the command named after the package; if the README names another one, use uvx --from monarch-mcp-jamiew <command>
Config file
{
"mcpServers": {
"monarch-mcp-server": {
"command": "uvx",
"args": [
"monarch-mcp-jamiew"
],
"env": {
"MONARCH_EMAIL": "<MONARCH_EMAIL>",
"MONARCH_PASSWORD": "<MONARCH_PASSWORD>",
"MONARCH_MFA_SECRET": "<MONARCH_MFA_SECRET>",
"MONARCH_FORCE_LOGIN": "<MONARCH_FORCE_LOGIN>"
}
}
}
}Replace <…> with your own values. uvx runs the command named after the package; if the README names another one, use uvx --from monarch-mcp-jamiew <command>
Config file
{
"servers": {
"monarch-mcp-server": {
"type": "stdio",
"command": "uvx",
"args": [
"monarch-mcp-jamiew"
],
"env": {
"MONARCH_EMAIL": "<MONARCH_EMAIL>",
"MONARCH_PASSWORD": "<MONARCH_PASSWORD>",
"MONARCH_MFA_SECRET": "<MONARCH_MFA_SECRET>",
"MONARCH_FORCE_LOGIN": "<MONARCH_FORCE_LOGIN>"
}
}
}
}Replace <…> with your own values. uvx runs the command named after the package; if the README names another one, use uvx --from monarch-mcp-jamiew <command>
Platform CLI
gemini mcp add -e MONARCH_EMAIL=<MONARCH_EMAIL> -e MONARCH_PASSWORD=<MONARCH_PASSWORD> -e MONARCH_MFA_SECRET=<MONARCH_MFA_SECRET> -e MONARCH_FORCE_LOGIN=<MONARCH_FORCE_LOGIN> monarch-mcp-server uvx monarch-mcp-jamiewReplace <…> with your own values. uvx runs the command named after the package; if the README names another one, use uvx --from monarch-mcp-jamiew <command>
Step by step, with commands for each platform: How to add an MCP server to Claude Code, Codex, Cursor, VS Code, Gemini CLI and more
Questions about Monarch MCP Server
How do I install Monarch MCP Server in Claude Code?
Run `claude mcp add monarch-mcp -e MONARCH_EMAIL=<MONARCH_EMAIL> -e MONARCH_PASSWORD=<MONARCH_PASSWORD> -e MONARCH_MFA_SECRET=<MONARCH_MFA_SECRET> -- uvx monarch-mcp-jamiew`, replacing the placeholders with your own values.
What does Monarch MCP Server do?
It reads and updates Monarch Money data over MCP: accounts, transactions, categories, budgets, automation rules, splits and scheduled payments. That adds up to 29 tools, among them merchant search and bulk transaction edits.
Do I need the MFA secret?
Yes, if two-factor authentication is on. The value is the TOTP key shown next to the QR code during setup, not the six-digit code that keeps rotating.
