monarch-mcp-ultimate

The most capable Monarch Money MCP server — merging the best features from all known implementations into one clean TypeScript project.

Features

• Cookie-based auth for Apple Sign In / passkey / Google users (no email+password needed)
• Standard email+password auth as a fallback
• 47 tools covering reads, writes, rules CRUD, merchant management, and intelligence analysis
• Natural language dates — "last month", "30 days ago", "this year", etc.
• Compact token-efficient transaction format by default (verbose mode available)
• Full transaction rules CRUD — get, create, update, delete with exact GraphQL from Monarch's web app
• Intelligence tools — rule candidates, uncategorized summary, categorization suggestions from history

---

Authentication

Option A — Cookie Auth (for Apple Sign In / passkey / Google users)

This is the only option if you log in with Apple or Google or a passkey.

1. Open app.monarch.com in Chrome/Safari
2. Open DevTools → Application tab → Cookies → app.monarch.com
3. Copy the value of session_id
4. Copy the value of csrftoken

{
  "env": {
    "MONARCH_SESSION_ID": "your-session-id-here",
    "MONARCH_CSRF_TOKEN": "your-csrftoken-here"
  }
}

Sessions expire — you'll need to update these when Monarch logs you out (typically every 30 days or on password change).

Option B — Token Auth (email+password users)

Run the login helper to get a token:

cd /Users/kevinreed/Dev/monarch-mcp-ultimate
node -e "
const { login } = require('./dist/auth');
login('your@email.com', 'yourpassword').then(r => console.log('Token:', r.token));
"

Then set MONARCH_TOKEN in your Claude Desktop config.

---

Claude Desktop Config

Cookie auth (~/.config/claude/claude_desktop_config.json)

{
  "mcpServers": {
    "monarch": {
      "command": "node",
      "args": ["/Users/kevinreed/Dev/monarch-mcp-ultimate/dist/index.js"],
      "env": {
        "MONARCH_SESSION_ID": "abc123...",
        "MONARCH_CSRF_TOKEN": "xyz789..."
      }
    }
  }
}

Token auth

{
  "mcpServers": {
    "monarch": {
      "command": "node",
      "args": ["/Users/kevinreed/Dev/monarch-mcp-ultimate/dist/index.js"],
      "env": {
        "MONARCH_TOKEN": "your-token-here"
      }
    }
  }
}

---

All 47 Tools

Read Tools (21)

Tool	Description
get_accounts	All accounts; verbosity: compact/full
get_account_balance	Balance for a specific account
get_transactions	Paginated transactions with natural language dates
get_transactions_needing_review	Transactions flagged for review
search_transactions	Keyword/merchant search
get_spending_by_category	Spending totals per category
get_spending_summary	Multi-axis: by category, group, merchant + totals
get_complete_financial_overview	5 parallel API calls — one-shot snapshot
get_budget_summary	Planned vs actual by category
get_cashflow	Income + expenses + savings for a date range
get_net_worth	Total assets minus liabilities
get_monthly_summary	Income/expenses/savings for a month
get_categories	All categories and groups
get_account_snapshots	Historical balance snapshots
get_portfolio	Investment holdings and performance
get_tags	All transaction tags
get_recurring_transactions	Subscriptions, bills, recurring income
get_transaction_rules	All auto-categorization rules
get_goals	Savings goals
get_institutions	Connected institutions and credential status
get_merchant	Merchant details and recurring stream config

Transaction Write Tools (7)

Tool	Description
update_transaction	Category, merchant, amount, date, notes, flags
mark_transaction_reviewed	Mark one or many as reviewed
create_transaction	Create a new manual transaction
delete_transaction	Delete by ID
set_transaction_tags	Set tags (replaces existing)
split_transaction	Split into multiple parts
bulk_update_transactions	Parallel updates with dry_run support

Category / Tag Write Tools (3)

Tool	Description
create_category	New category in a group
delete_category	Delete, optionally moving transactions
create_tag	New transaction tag

Account Write Tools (4)

Tool	Description
update_account	Rename, toggle net worth, hide
delete_account	Delete account
create_manual_account	Create manual account
refresh_accounts	Trigger data refresh

Budget Tools (1)

Tool	Description
set_budget_amount	Set monthly budget for category or group

Rules + Merchant Tools (4)

Tool	Description
create_transaction_rule	Merchant pattern → category + optional tag/hide actions
update_transaction_rule	Update existing rule
delete_transaction_rule	Delete rule by ID
update_merchant	Rename merchant or configure recurring stream

Intelligence Tools (3)

Tool	Description
get_rule_candidates	Suggests rules for merchants with consistent category history
get_uncategorized_summary	Counts uncategorized + needs-review by month
get_categorization_suggestions	Suggests categories for uncategorized transactions based on history

---

Natural Language Dates

All date fields accept plain English:

Input	Resolves to
today	Today's date
yesterday	Yesterday
this month	First of current month
last month	First of previous month
this year	Jan 1 of current year
last year	Jan 1 of previous year
30 days ago	30 days before today
6 months ago	6 months before today
1 year ago	1 year before today
2025-03-15	Passed through as-is

---

Example Prompts

"Show me everything I spent on restaurants last month"
→ get_transactions(start_date="last month", end_date="today", category_id=...)

"What's my financial overview?"
→ get_complete_financial_overview()

"How much have I spent in the last 90 days, broken down by category?"
→ get_spending_summary(start_date="90 days ago", end_date="today")

"Find rules I should be creating based on my spending patterns"
→ get_rule_candidates(lookback_days=90, min_confidence=0.8)

"Which uncategorized transactions from last month can be auto-categorized?"
→ get_categorization_suggestions(lookback_days=30)

"Create a rule: anything from Amazon goes to Shopping"
→ create_transaction_rule(merchant_criteria_value="Amazon", merchant_criteria_operator="contains", set_category_id="...")

"Rename the merchant 'AMZN MKTP US' to 'Amazon'"
→ update_merchant(merchant_id="...", name="Amazon")

"Mark all transactions needing review as reviewed"
→ get_transactions_needing_review() → mark_transaction_reviewed(transaction_ids=[...])

"What's my uncategorized backlog for the past 6 months?"
→ get_uncategorized_summary(lookback_months=6)

---

Build

cd /Users/kevinreed/Dev/monarch-mcp-ultimate
npm install
npm run build

Sources

Built by merging:

• keithah/monarch-mcp — TypeScript base, Smithery support
• jamiew/monarch-mcp — Natural language dates, compact format, tool annotations, auth retry
• robcerda/monarch-mcp-server — Full rules CRUD GraphQL, merchant management, split transactions
• randallt21/monarch — Intelligence engine: rule candidates, auto-categorization logic