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Monarch Money MCP Server

An MCP server for Monarch Money that gives AI assistants access to your financial accounts, transactions, budgets, and more.

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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"": "your-email@example.com",
🔐 secretMONARCH_PASSWORD"": "your-password",
🔐 secretMONARCH_MFA_SECRET"": "your-mfa-secret-key"
configMONARCH_SESSION_DIRSessions are cached in ~/.monarch-mcp/ for faster subsequent logins (override the location with the env var). If you hit auth issues:
configMONARCH_FORCE_LOGINSet =true in your env config to force a fresh login
// 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/jamiew-monarch-mcp-10gpvr)](https://m8ven.ai/mcp/jamiew-monarch-mcp-10gpvr)
commit: a6d1b30470ba3152f510fa073ff0f10d076792ef
code hash: 36df12aa77bdf1bfa023d2b69142a96442dd929b6b3094444532706036423069
verified: 6/17/2026, 11:30:54 AM
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