Monarch Money MCP Server

Item: Monarch Money MCP Server
Rating: 69
Author: M8ven

An MCP server that connects Claude (and other MCP clients) to your Monarch Money financial data, allowing you to query accounts, transactions, and budgets, or update transactions and budget amounts through natural language.

→ ezra-quemuel/monarch-mcp · listed on glama

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// key findings

✅

No credential exfiltration, no sensitive file access, no obfuscation

Static analysis found nothing flowing your secrets to unexpected places.

✅

Open source with a license and README

Anyone can audit the code, the license is declared, and the publisher documents what it does.

🔐

You'll be asked for 2 credentials: MONARCH_PASSWORD, MONARCH_MFA_SECRET

These are read from process.env at runtime. Make sure you trust where they’ll be sent.

// required environment variables

This server reads these from process.env. You'll be asked to provide them before it can run.

configMONARCH_EMAIL— Yes Your Monarch Money email

🔐 secretMONARCH_PASSWORD— Yes Your Monarch Money password

🔐 secretMONARCH_MFA_SECRET— No TOTP secret for MFA (base32 string from authenticator setup)

// full audit trail

The full breakdown of what we checked, the deductions that landed, the network hosts, the dependency advisories, and concrete fix guidance is available to verified publishers.

// improvement guidance — verified publishers only

We have 5 concrete improvements we can share with the publisher of this MCP. Each comes with specific guidance to raise the trust score.

// embed badge in your README

[![M8ven Score](https://m8ven.ai/badge/mcp/ezra-quemuel-monarch-mcp-14sg0s)](https://m8ven.ai/mcp/ezra-quemuel-monarch-mcp-14sg0s)

commit: 8bbc7b803bc04f361a2d153a351124851bb8cc44

code hash: b31439515a757cc529b35e08084e3991c5c3f6290a425eec6858158d7c1cc619

verified: 7/21/2026, 9:10:38 AM

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