Monarch Money MCP Server

A Model Context Protocol (MCP) server that enables AI assistants to interact with your Monarch Money personal finance data. Manage accounts, transactions, budgets, and analyze your finances programmatically.

→ phyous/monarch-mcp · listed on glama

Is this your MCP?

Claim it to get a verified publisher badge, a free copy of our full audit findings, and direct contact for any high-priority issues we find.

Install from

Glama

M8ven verifies MCPs across every public registry — install directly from whichever one you prefer.

// key findings

⚠️

Known vulnerabilities in dependencies: 16 high

Affects packages this MCP installs at runtime. Upgrade or remove the affected dependency.

✅

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 3 credentials: MONARCH_MFA_SECRET, MONARCH_PASSWORD, MONARCH_TOKEN

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_DEVICE_UUID

configMONARCH_EMAIL— export ="your@email.com"

🔐 secretMONARCH_MFA_SECRET— export ="your_mfa_secret_key" # Optional

🔐 secretMONARCH_PASSWORD— export ="your_password"

🔐 secretMONARCH_TOKEN

// 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 2 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/phyous-monarch-mcp-1uskix)](https://m8ven.ai/mcp/phyous-monarch-mcp-1uskix)

commit: 175edc7216995d49d77c718f510728e5ce2e147e

code hash: d64a502f4f6ea6b1f6866c85a237d8b2b5bbee60d7c56b684200600df831e0f5

verified: 6/22/2026, 12:17:12 PM

view raw JSON →