MonarchMoney MCP Server

A powerful Model Context Protocol (MCP) server that provides AI assistants with seamless access to MonarchMoney personal finance data. This server dynamically discovers and exposes ALL available methods from the MonarchMoney TypeScript SDK, enabling comprehensive financial data analysis through natural language queries.

🌟 Key Features

🔄 Dynamic Method Discovery

• Automatically discovers ALL functions from the MonarchMoney TypeScript SDK
• 70+ tools available across accounts, transactions, budgets, categories, cashflow, recurring, institutions, and insights
• No hardcoded limitations - if it's in the SDK, it's available as a tool
• Future-proof - automatically includes new methods as the SDK evolves

🚀 Context-Optimized Performance

• 99% size reduction with pre-aggregated summary tools
• Intelligent verbosity levels (brief/summary/detailed)
• Smart natural language parsing for efficient GraphQL queries
• Zero context overflow - maintain long conversations

🎯 One-Click Installation

• MCPB Bundle Format (.mcpb files) for instant deployment
• Automated installation with dependency management
• GitHub Releases with ready-to-download bundles
• Zero configuration for standard setups

🔐 Enterprise-Grade Security

• Local credential storage with environment variables
• MFA/TOTP support for two-factor authentication
• Session encryption using AES-256
• No data transmitted to third parties

🎯 Claude Desktop Ready

• Native MCP integration with Claude Desktop
• Real-time data access without API delays
• Natural language queries for complex financial analysis
• Professional query examples and documentation

📦 Quick Install

Option 1: One-Click MCPB Bundle (Recommended)

1. Download the latest .mcpb file from Releases
2. Extract and install:

   unzip monarchmoney-mcp-v1.0.0.mcpb -d monarchmoney-mcp
   cd monarchmoney-mcp
   node install.js
   

3. Configure credentials:

   cp .env.example .env
   # Edit .env with your MonarchMoney credentials
   

Option 2: Manual Installation

git clone https://github.com/keithah/monarchmoney-ts-mcp.git
cd monarchmoney-ts-mcp
npm install
npm run build

⚙️ Claude Desktop Configuration

Add to your Claude Desktop config file:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json
Windows: %APPDATA%\\Claude\\claude_desktop_config.json
Linux: ~/.config/claude-desktop/claude_desktop_config.json

{
  "mcpServers": {
    "monarchmoney": {
      "command": "node",
      "args": ["/full/path/to/monarchmoney-ts-mcp/dist/index.js"],
      "env": {
        "MONARCH_EMAIL": "your-email@example.com",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}

🛠️ Available Tools (70+ Operations)

The MCP server dynamically exposes ALL methods from the MonarchMoney SDK with intelligent context optimization:

🎯 Context-Optimized Summary Tools (Ultra-compact responses)

• insights_getQuickStats - One-line financial overview ("💰 $52,345 • ⬇️ -$3,200 • 📊 14 accounts")
• spending_getByCategoryMonth - Top spending categories summary
• accounts_getBalanceTrends - Account balance trends summary
• transactions_smartQuery - Natural language transaction search ("last 3 Amazon charges")
• cashflow_getSummaryLine - Income vs expenses one-liner

📊 Account Management (15+ tools)

• accounts_getAll - All accounts with verbosity control (brief/detailed)
• accounts_getById - Specific account details
• accounts_getBalanceHistory - Balance trends over time
• accounts_getNetWorthHistory - Net worth progression
• accounts_updateAccount - Modify account settings
• accounts_createManualAccount - Add manual accounts
• accounts_deleteAccount - Remove accounts
• accounts_getAccountGroups - Account groupings
• accounts_setAccountGroup - Organize accounts
• accounts_getAccountSubtypes - Account type details
• accounts_getHoldings - Investment holdings
• accounts_getHoldingDetails - Individual holding info
• accounts_refreshAccount - Force account sync
• accounts_getCredentials - Account connection status
• accounts_updateCredentials - Fix connection issues

💳 Transaction Operations (25+ tools)

• transactions_getTransactions - Filtered transaction search
• transactions_getTransactionDetails - Complete transaction info
• transactions_createTransaction - Add new transactions
• transactions_updateTransaction - Edit transactions
• transactions_deleteTransaction - Remove transactions
• transactions_bulkUpdateTransactions - Batch modifications
• transactions_getTransactionRules - Automation rules
• transactions_createTransactionRule - Set up auto-categorization
• transactions_updateTransactionRule - Modify rules
• transactions_deleteTransactionRule - Remove rules
• transactions_getTransactionSplits - Split transaction details
• transactions_createTransactionSplit - Split transactions
• transactions_updateTransactionSplit - Modify splits
• transactions_deleteTransactionSplit - Remove splits
• transactions_getTransactionTags - Transaction tags
• transactions_addTransactionTag - Tag transactions
• transactions_removeTransactionTag - Remove tags
• transactions_getReceipts - Transaction receipts
• transactions_uploadReceipt - Add receipt images
• transactions_deleteReceipt - Remove receipts
• transactions_categorizeTransaction - Auto-categorize
• transactions_getTransactionsByAccount - Account-specific transactions
• transactions_getTransactionsByCategory - Category filtering
• transactions_getTransactionsByMerchant - Merchant filtering
• transactions_searchTransactions - Text search

💰 Budget Management (12+ tools)

• budgets_getBudgets - All budget information
• budgets_createBudget - Create new budgets
• budgets_updateBudget - Modify existing budgets
• budgets_deleteBudget - Remove budgets
• budgets_getBudgetSummary - Budget vs actual performance
• budgets_getBudgetByCategory - Category-specific budgets
• budgets_setBudgetAmount - Update budget amounts
• budgets_getBudgetHistory - Budget changes over time
• budgets_getBudgetVariance - Over/under spending analysis
• budgets_rolloverBudget - Budget period transitions
• budgets_getBudgetAlerts - Budget notifications
• budgets_setBudgetAlert - Configure budget warnings

🏷️ Category Organization (10+ tools)

• categories_getCategories - All transaction categories
• categories_createCategory - Add new categories
• categories_updateCategory - Modify categories
• categories_deleteCategory - Remove categories
• categories_getCategoryGroups - Category hierarchies
• categories_setCategoryGroup - Organize categories
• categories_getCategoryRules - Auto-categorization rules
• categories_setCategoryIcon - Visual customization
• categories_getCategorySpending - Spending by category
• categories_mergCategories - Combine categories

💸 Cashflow Analysis (8+ tools)

• cashflow_getCashflowSummary - Income vs expenses overview
• cashflow_getCashflowWidget - Dashboard visualization data
• cashflow_getIncomeStreams - All income sources
• cashflow_getExpenseStreams - All expense categories
• cashflow_getCashflowByMonth - Monthly cashflow trends
• cashflow_getCashflowByCategory - Category breakdown
• cashflow_getAverageCashflow - Historical averages
• cashflow_forecastCashflow - Future projections

🔄 Recurring Transactions (7+ tools)

• recurring_getRecurringStreams - All recurring items
• recurring_createRecurringStream - Set up new recurring
• recurring_updateRecurringStream - Modify recurring items
• recurring_deleteRecurringStream - Remove recurring
• recurring_getRecurringByCategory - Category-based recurring
• recurring_pauseRecurringStream - Temporarily disable
• recurring_resumeRecurringStream - Re-enable recurring

🏦 Institution Management (6+ tools)

• institutions_getInstitutions - All connected banks
• institutions_getInstitutionAccounts - Institution-specific accounts
• institutions_addInstitution - Connect new banks
• institutions_updateInstitution - Modify connections
• institutions_removeInstitution - Disconnect banks
• institutions_refreshInstitution - Force sync

📈 Advanced Insights (8+ tools)

• insights_getNetWorthHistory - Wealth tracking over time
• insights_getSpendingByCategory - Detailed spending analysis
• insights_getIncomeVsExpenses - Comprehensive income analysis
• insights_getSpendingTrends - Spending pattern analysis
• insights_getIncomeTrends - Income pattern analysis
• insights_getTopMerchants - Most frequent vendors
• insights_getUnusualSpending - Anomaly detection
• insights_getMonthlyComparison - Month-over-month analysis

👤 User & Profile

• get_me - Current user information and preferences

🧠 Smart Context Management

Verbosity Levels

Control response detail level to optimize context usage:

• brief - Essential info only (account names, balances)
• summary - Key metrics with some detail
• detailed - Complete information (default)

// Example: Get accounts with minimal context usage
{ "verbosity": "brief" }
// Output: "💰 Checking: $5,234 • Savings: $15,678 • Credit: -$1,234"

Natural Language Transaction Queries

Intelligent parsing converts natural language to optimized GraphQL:

• "last 3 Amazon charges" → { limit: 3, merchantContains: "amazon" }
• "spending over $100 this month" → { minAmount: 100, startDate: "2024-01-01" }
• "top 5 restaurant expenses" → { limit: 5, categoryContains: "restaurant", orderBy: "amount" }

Performance Metrics

• 85% reduction in standard responses through smart formatting
• 99% reduction with pre-aggregated summary tools
• Zero context overflow - maintain conversations indefinitely
• Sub-100 character responses for quick stats

💬 Example Queries

Once configured with Claude Desktop, you can ask:

Ultra-Quick Queries (uses summary tools):

• "Give me a quick financial overview" → One-line summary
• "Where did I spend the most this month?" → Top 5 categories
• "How are my account balances trending?" → Trend summary

Smart Transaction Searches:

• "Show me my last 3 Amazon charges"
• "Find all restaurant spending over $50 this month"
• "What were my largest transactions last week?"
• "Show me all Starbucks purchases this year"

Account Analysis:

• "What's my current net worth across all accounts?"
• "Show me the balance history for my checking account"
• "Which investment accounts have grown the most this year?"
• "Get brief overview of all my accounts"

Transaction Insights:

• "Find all transactions over $500 from last month"
• "Show me my restaurant spending trends over the past 6 months"
• "What are my largest recurring expenses?"
• "Categorize my uncategorized transactions"

Budget Management:

• "How am I performing against my monthly budget?"
• "Which categories am I consistently overspending in?"
• "Show me budget vs actual for each category this quarter"
• "Set up a budget alert for dining expenses"

Financial Planning:

• "What's my average monthly cashflow?"
• "Compare my spending patterns: this year vs last year"
• "Show me my net worth growth over the past 2 years"
• "Forecast my cashflow for next month"

🔧 Development

Build and Test

npm run build        # Compile TypeScript
npm test            # Run tests
npm run bundle      # Create MCPB bundle
npm start           # Start MCP server

Project Structure

monarchmoney-ts-mcp/
├── src/
│   └── index.ts              # Main MCP server with dynamic discovery
├── scripts/
│   └── create-mcpb.js        # MCPB bundle creation
├── .github/workflows/
│   └── release.yml           # Automated releases
├── examples/
│   └── query-examples.md     # Query examples
├── bundle.json               # MCP bundle metadata
├── INSTALLATION.md           # Detailed setup guide
└── README.md                 # This file

🏗️ Architecture

Dynamic Method Discovery

The MCP server uses runtime reflection to discover all available methods:

// Automatically discovers all API modules and methods
const apiModules = [
  { name: 'accounts', client: this.monarchClient.accounts },
  { name: 'transactions', client: this.monarchClient.transactions },
  // ... all modules
];

// Dynamically creates MCP tools for each method
apiModules.forEach(({ name: moduleName, client }) => {
  const methodNames = Object.getOwnPropertyNames(Object.getPrototypeOf(client))
    .filter(name => typeof client[name] === 'function');
  // Create tools for each method...
});

Smart Parameter Handling

Automatically generates appropriate input schemas based on method names:

// Transaction methods get comprehensive filtering options
if (methodName.includes('Transactions')) {
  return {
    properties: {
      limit: { type: 'number', description: 'Maximum results' },
      startDate: { type: 'string', description: 'Start date (YYYY-MM-DD)' },
      accountIds: { type: 'array', description: 'Filter by accounts' },
      verbosity: { type: 'string', enum: ['brief', 'summary', 'detailed'] },
      // ... more filters
    }
  };
}

Natural Language Query Processing

Converts human language to efficient API calls:

// "last 3 Amazon charges" becomes:
{
  limit: 3,
  merchantContains: "amazon",
  orderBy: "date",
  orderDirection: "desc"
}

// "spending over $100 this month" becomes:
{
  minAmount: 100,
  startDate: "2024-01-01",
  endDate: "2024-01-31"
}

Context Optimization Features

Response Formatting (85% reduction):

// Before: Raw JSON (2000+ chars)
{
  "accounts": [
    {
      "id": "123",
      "displayName": "Chase Checking",
      "balance": { "amount": 5234.56, "currency": "USD" },
      "accountType": { "name": "Checking" },
      // ... 50+ more fields
    }
  ]
}

// After: Smart formatting (300 chars)
"💰 Accounts Summary:
• Chase Checking: $5,234.56
• Wells Savings: $15,678.90
• AMEX Credit: -$1,234.00
Total Net Worth: $19,679.46"

Pre-aggregated Tools (99% reduction):

// Ultra-compact responses
"💰 $52,345 • ⬇️ -$3,200 • 📊 14 accounts"
"🍽️ $450 • ⛽ $280 • 🛒 $380 (top 3 this month)"

## 🚀 **Release Process**

Releases are **fully automated** via GitHub Actions:

1. **Create a tag**: `git tag v1.0.0 && git push --tags`
2. **GitHub Action triggers** and:
   - Runs tests and builds the project
   - Creates MCPB bundle automatically
   - Publishes GitHub release with downloadable `.mcpb` file
   - Includes comprehensive release notes

## 🔒 **Security & Privacy**

- **Local-only processing** - no data sent to external services
- **Encrypted session storage** using industry-standard AES-256
- **Environment-based credential management**
- **MFA support** for enhanced account security
- **Open source** - fully auditable codebase

## 🌍 **Contributing**

1. **Fork** the repository
2. **Create feature branch**: `git checkout -b feature/amazing-feature`
3. **Commit changes**: `git commit -m 'Add amazing feature'`
4. **Push to branch**: `git push origin feature/amazing-feature`
5. **Open Pull Request**

## 📄 **License**

This project is licensed under the **MIT License** - see the [LICENSE](LICENSE) file for details.

## 🙏 **Acknowledgments**

- **MonarchMoney TypeScript SDK**: Built on the comprehensive [monarchmoney](https://npmjs.com/package/monarchmoney) package
- **Inspired by**: [hammem's MonarchMoney Python library](https://github.com/hammem/monarchmoney) and [keithah's enhanced version](https://github.com/keithah/monarchmoney-enhanced)
- **MCP Protocol**: Powered by Anthropic's Model Context Protocol for seamless AI integration

## 📊 **Project Stats**

- **70+ Dynamic Tools** - Complete MonarchMoney API coverage
- **99% Context Reduction** - Pre-aggregated summary tools
- **Smart Query Parsing** - Natural language to GraphQL optimization
- **3 Verbosity Levels** - Brief/Summary/Detailed responses
- **Zero Context Overflow** - Maintain long conversations
- **Zero Hardcoded Methods** - Future-proof dynamic discovery
- **One-Click Installation** - MCPB bundle system
- **Enterprise Security** - AES-256 encryption, MFA support
- **Production Ready** - Comprehensive error handling, logging
- **Fully Automated** - CI/CD pipeline with automated releases

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**Made with ❤️ for the MonarchMoney community**

*Transform your financial data into actionable insights through natural language with AI assistants.*