MCP Server

com.pulsemcp/monarch-money MCP Server

Name: com.pulsemcp/monarch-money MCP Server
Author: com.pulsemcp

com.pulsemcp/monarch-money

Repository Registry

What is the com.pulsemcp/monarch-money MCP server?

MCP server for Monarch Money — account, transaction, and budget management.

How to install com.pulsemcp/monarch-money

Copy-paste configuration for popular MCP clients.

transport: stdio

Config generated by PluginBench — verify against the source before use.

Environment / auth

MONARCH_SESSION_TOKEN
secret
Pre-obtained session token for authentication (recommended over email/password).
MONARCH_EMAIL
Email address for email/password authentication.
MONARCH_PASSWORD
secret
Password for email/password authentication.
MONARCH_TOTP
secret
TOTP code if 2FA is enabled on the account.
MONARCH_EMAIL_OTP
secret
Email OTP code required only on first login from a new install.
MONARCH_SESSION_PASSPHRASE
secret
Override passphrase for encrypting the on-disk session file.
MONARCH_STATE_DIR
Directory where session.enc file is stored.
MONARCH_ENABLED_TOOL_GROUPS
Comma-separated list of tool groups to enable (readonly, manage).
MONARCH_ENABLED_TOOLS
Comma-separated whitelist of specific tool names to enable.
MONARCH_DISABLED_TOOLS
Comma-separated blacklist of specific tool names to disable.

Claude Desktop

~/Library/Application Support/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server",
        "-y"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<YOUR_MONARCH_SESSION_TOKEN>",
        "MONARCH_EMAIL": "<YOUR_MONARCH_EMAIL>",
        "MONARCH_PASSWORD": "<YOUR_MONARCH_PASSWORD>",
        "MONARCH_TOTP": "<YOUR_MONARCH_TOTP>",
        "MONARCH_EMAIL_OTP": "<YOUR_MONARCH_EMAIL_OTP>",
        "MONARCH_SESSION_PASSPHRASE": "<YOUR_MONARCH_SESSION_PASSPHRASE>",
        "MONARCH_STATE_DIR": "<YOUR_MONARCH_STATE_DIR>",
        "MONARCH_ENABLED_TOOL_GROUPS": "<YOUR_MONARCH_ENABLED_TOOL_GROUPS>",
        "MONARCH_ENABLED_TOOLS": "<YOUR_MONARCH_ENABLED_TOOLS>",
        "MONARCH_DISABLED_TOOLS": "<YOUR_MONARCH_DISABLED_TOOLS>"
      }
    }
  }
}

Cursor

~/.cursor/mcp.json

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server",
        "-y"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<YOUR_MONARCH_SESSION_TOKEN>",
        "MONARCH_EMAIL": "<YOUR_MONARCH_EMAIL>",
        "MONARCH_PASSWORD": "<YOUR_MONARCH_PASSWORD>",
        "MONARCH_TOTP": "<YOUR_MONARCH_TOTP>",
        "MONARCH_EMAIL_OTP": "<YOUR_MONARCH_EMAIL_OTP>",
        "MONARCH_SESSION_PASSPHRASE": "<YOUR_MONARCH_SESSION_PASSPHRASE>",
        "MONARCH_STATE_DIR": "<YOUR_MONARCH_STATE_DIR>",
        "MONARCH_ENABLED_TOOL_GROUPS": "<YOUR_MONARCH_ENABLED_TOOL_GROUPS>",
        "MONARCH_ENABLED_TOOLS": "<YOUR_MONARCH_ENABLED_TOOLS>",
        "MONARCH_DISABLED_TOOLS": "<YOUR_MONARCH_DISABLED_TOOLS>"
      }
    }
  }
}

Windsurf

~/.codeium/windsurf/mcp_config.json

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server",
        "-y"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<YOUR_MONARCH_SESSION_TOKEN>",
        "MONARCH_EMAIL": "<YOUR_MONARCH_EMAIL>",
        "MONARCH_PASSWORD": "<YOUR_MONARCH_PASSWORD>",
        "MONARCH_TOTP": "<YOUR_MONARCH_TOTP>",
        "MONARCH_EMAIL_OTP": "<YOUR_MONARCH_EMAIL_OTP>",
        "MONARCH_SESSION_PASSPHRASE": "<YOUR_MONARCH_SESSION_PASSPHRASE>",
        "MONARCH_STATE_DIR": "<YOUR_MONARCH_STATE_DIR>",
        "MONARCH_ENABLED_TOOL_GROUPS": "<YOUR_MONARCH_ENABLED_TOOL_GROUPS>",
        "MONARCH_ENABLED_TOOLS": "<YOUR_MONARCH_ENABLED_TOOLS>",
        "MONARCH_DISABLED_TOOLS": "<YOUR_MONARCH_DISABLED_TOOLS>"
      }
    }
  }
}

VS Code

.vscode/mcp.json

{
  "servers": {
    "monarch-money": {
      "type": "stdio",
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server",
        "-y"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<YOUR_MONARCH_SESSION_TOKEN>",
        "MONARCH_EMAIL": "<YOUR_MONARCH_EMAIL>",
        "MONARCH_PASSWORD": "<YOUR_MONARCH_PASSWORD>",
        "MONARCH_TOTP": "<YOUR_MONARCH_TOTP>",
        "MONARCH_EMAIL_OTP": "<YOUR_MONARCH_EMAIL_OTP>",
        "MONARCH_SESSION_PASSPHRASE": "<YOUR_MONARCH_SESSION_PASSPHRASE>",
        "MONARCH_STATE_DIR": "<YOUR_MONARCH_STATE_DIR>",
        "MONARCH_ENABLED_TOOL_GROUPS": "<YOUR_MONARCH_ENABLED_TOOL_GROUPS>",
        "MONARCH_ENABLED_TOOLS": "<YOUR_MONARCH_ENABLED_TOOLS>",
        "MONARCH_DISABLED_TOOLS": "<YOUR_MONARCH_DISABLED_TOOLS>"
      }
    }
  }
}

Claude Code

claude mcp add monarch-money --env MONARCH_SESSION_TOKEN=<YOUR_MONARCH_SESSION_TOKEN> --env MONARCH_EMAIL=<YOUR_MONARCH_EMAIL> --env MONARCH_PASSWORD=<YOUR_MONARCH_PASSWORD> --env MONARCH_TOTP=<YOUR_MONARCH_TOTP> --env MONARCH_EMAIL_OTP=<YOUR_MONARCH_EMAIL_OTP> --env MONARCH_SESSION_PASSPHRASE=<YOUR_MONARCH_SESSION_PASSPHRASE> --env MONARCH_STATE_DIR=<YOUR_MONARCH_STATE_DIR> --env MONARCH_ENABLED_TOOL_GROUPS=<YOUR_MONARCH_ENABLED_TOOL_GROUPS> --env MONARCH_ENABLED_TOOLS=<YOUR_MONARCH_ENABLED_TOOLS> --env MONARCH_DISABLED_TOOLS=<YOUR_MONARCH_DISABLED_TOOLS> -- npx -y monarch-money-mcp-server -y

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