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MonarchMoney MCP Server

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Model Context Protocol (MCP) server for MonarchMoney with dynamic method discovery and one-click installation

MonarchMoney MCP Server

npm versionLicense: MIT

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

🚀 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": "[email protected]",
        "MONARCH_PASSWORD": "your-password",
        "MONARCH_MFA_SECRET": "your-mfa-secret-key"
      }
    }
  }
}

🛠️ Available Tools

The MCP server dynamically exposes ALL methods from the MonarchMoney SDK:

📊 Accounts (15+ tools)

  • accounts_getAll - Get all accounts
  • accounts_getById - Get account by ID
  • accounts_getBalanceHistory - Account balance over time
  • accounts_getNetWorthHistory - Net worth trends
  • accounts_updateAccount - Update account details
  • accounts_createManualAccount - Create manual accounts
  • accounts_deleteAccount - Remove accounts
  • And more...

💳 Transactions (25+ tools)

  • transactions_getTransactions - Get filtered transactions
  • transactions_getTransactionDetails - Detailed transaction info
  • transactions_createTransaction - Add new transactions
  • transactions_updateTransaction - Modify transactions
  • transactions_deleteTransaction - Remove transactions
  • transactions_getTransactionRules - Transaction rules
  • transactions_createTransactionRule - Create automation rules
  • And more...

💰 Budgets (10+ tools)

  • budgets_getBudgets - Budget information
  • budgets_createBudget - Create new budgets
  • budgets_updateBudget - Modify budgets
  • budgets_getBudgetSummary - Budget performance
  • And more...

🏷️ Categories (8+ tools)

  • categories_getCategories - All transaction categories
  • categories_createCategory - Create categories
  • categories_updateCategory - Modify categories
  • And more...

💸 Cashflow (5+ tools)

  • cashflow_getCashflowSummary - Income vs expenses
  • cashflow_getCashflowWidget - Cashflow visualization data
  • And more...

🔄 Recurring (6+ tools)

  • recurring_getRecurringStreams - Recurring transactions
  • recurring_createRecurringStream - Set up recurring items
  • And more...

🏦 Institutions (4+ tools)

  • institutions_getInstitutions - Financial institutions
  • institutions_getInstitutionAccounts - Institution-specific accounts
  • And more...

📈 Insights (5+ tools)

  • insights_getNetWorthHistory - Wealth tracking over time
  • insights_getSpendingByCategory - Spending breakdown
  • insights_getIncomeVsExpenses - Income analysis
  • And more...

👤 User Profile

  • get_me - Current user information

💬 Example Queries

Once configured with Claude Desktop, you can ask:

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?"

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?"

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"

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"

🔧 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' },
      // ... more filters
    }
  };
}

🚀 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 file for details.

🙏 Acknowledgments

📊 Project Stats

  • 70+ Dynamic Tools - Complete MonarchMoney API coverage
  • 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

Made with ❤️ for the MonarchMoney community

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

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