monter-mcp

Ask any MCP-capable assistant about your own money - locally, from the export file you made in Monter.

"How much did I spend in July?"
"What do I pay for on autopilot every month?"
"How much does my credit card quietly cost me per month?"
"Is any of my cash sitting idle below market rate?"

Every answer is plain arithmetic over your own numbers. No server, no account, no telemetry - this package reads one JSON file on your disk and does math.

Setup

1. In Monter on your iPhone: Profile → Export your data (JSON), then AirDrop the file to your computer (e.g. into ~/Documents).
2. Add the server to your assistant.

Claude Desktop (claude_desktop_config.json):

{
  "mcpServers": {
    "monter": {
      "command": "npx",
      "args": ["-y", "monter-mcp", "--export", "/Users/you/Documents/monter-export-2026-08-21.json"]
    }
  }
}

Claude Code:

claude mcp add monter -- npx -y monter-mcp --export ~/Documents/monter-export-2026-08-21.json

Re-export any time; the server picks up the fresh file automatically (it re-reads on change). Point the config at a stable path like ~/Documents/monter-export.json if you prefer renaming each export once.

Tools

Tool	What it answers
snapshot_meta	How fresh the export is and what it contains
spending	Total + per-category spending for a month or date range
income	Total income for a period
transactions_search	Find transactions by merchant or category
subscriptions_overview	Recurring costs normalised to monthly
debts_overview	Balances, APRs, and interest per month
wallets_overview	Balances per wallet and per currency
idle_cash_check	Cash above one month of expenses earning under 3%
insurance_overview	Premium total and its share of monthly expenses
goals_overview	Savings goals and progress
checkins_stats	Check-in streak and points
health_score	The app's 0-100 financial health score with components *
money_leaks	Detected leaks, their monthly cost, and resolved wins *
freedom_day	The Freedom Day estimate from the user's plan *
profile_overview	Stated setup: expenses, cushion target, income sources
budgets_overview	Budget limits vs actual spending

* Needs an export made from Monter 1.1+ (schemaVersion 2, with the computed layer). Older exports still work for everything else.

Privacy

Your export never leaves your machine through this package: the server is local, makes no network calls, and contains no analytics of any kind. One honest caveat: the assistant you connect it to is your choice - anything it reads through these tools travels through that assistant's provider under your agreement with them.

Figures are your own data, arithmetically rearranged. Nothing here is financial advice.

Development

npm install
npm test   # builds and runs smoke tests against test/fixture.json

MIT © MB Utilab