Monarch Money MCP Server

Read-only MCP and HTTP proxy server for accessing Monarch Money financial data, enabling transaction analysis, budget tracking, and cashflow insights through natural language.

→ rmarji/monarch-mcp-server · 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— your-email@example.com

🔐 secretMONARCH_PASSWORD— your-monarch-password

🔐 secretMONARCH_MFA_SECRET— your-totp-secret-key

configMONARCH_PROXY_PORT— The port can be changed via in .env (default: 8765).

// 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 3 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/rmarji-monarch-mcp-server-y2lhk2)](https://m8ven.ai/mcp/rmarji-monarch-mcp-server-y2lhk2)

commit: ed577845acca43fd44a06aecdf3ae25d35bcc7db

code hash: a5da66f4fc5a1f5146b697b702991ba60164c2e3d9fe749cdc93e7f5135116c3

verified: 6/22/2026, 1:01:47 PM

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