Monarch Money
Let your coding agent query Monarch Money accounts, transactions, and budgets so you can reconcile solo-business spending without leaving the IDE.
Overview
Monarch Money MCP is a MCP server for the Operate phase that lets agents read and manage Monarch Money accounts, transactions, and budgets over stdio.
What is this MCP server?
- Stdio MCP server (npm monarch-money-mcp-server v0.0.7) over Monarch Money APIs
- Account balances, transaction history, and budget views exposed as agent tools
- Auth via MONARCH_SESSION_TOKEN (recommended) or email/password with optional TOTP and first-login email OTP
- npx -y launch pattern consistent with other PulseMCP stdio servers
- Keeps personal and business P&L conversations inside Claude Code, Cursor, or Codex instead of a separate app tab
- Server package version 0.0.7 on npm identifier monarch-money-mcp-server
- Stdio transport with npx -y runtime hint
- Five documented environment variables for auth including session token, email, password, TOTP, and email OTP
What problem does it solve?
Switching between your agent and Monarch to answer “what did we spend on infra this month?” breaks flow and invites stale numbers from memory.
Who is it for?
Solo builders who already use Monarch Money and want agent-native Q&A on transactions and budgets during operate-phase finance checks.
Skip if: Teams without a Monarch account, builders who need full bookkeeping exports for accountants only, or anyone who cannot store session tokens or passwords securely in agent env vars.
What do I get? / Deliverables
After you configure Monarch credentials, your agent can pull current accounts, transactions, and budget context on demand for runway and expense decisions.
- Registered stdio MCP server the agent can call for Monarch account and transaction context
- Agent-accessible budget and transaction tooling backed by Monarch APIs
- Documented auth path (session token vs password plus optional 2FA)
Recommended MCP Servers
Journey fit
Canonical shelf is Operate because Monarch is for ongoing money management after you are already building and shipping—not for ideation or launch mechanics. Iterate fits recurring budget review, categorization, and cash-flow adjustments typical of an indie operator’s monthly finance loop.
How it compares
MCP finance integration to Monarch, not a spreadsheet skill or generic banking aggregator.
Common Questions / FAQ
Who is Monarch Money MCP for?
Indie and solo builders who track money in Monarch and use Claude Code, Cursor, or Codex who want MCP tools for accounts, transactions, and budgets.
When should I use Monarch Money MCP?
Use it during Operate when you reconcile spending, check category totals, or discuss runway with an agent that needs live Monarch data.
How do I add Monarch Money MCP to my agent?
Add the stdio server via npx -y monarch-money-mcp-server and set MONARCH_SESSION_TOKEN or MONARCH_EMAIL plus MONARCH_PASSWORD, with TOTP or email OTP if your account requires them.