com.pulsemcp/monarch-money

com.pulsemcp/monarch-money·v0.0.7·Other

Quality Score

/100

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

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§00 Trust verdict · v1 advisory · method

UNVERIFIEDno verdict on file

Verdict not yet evaluated for this tool. The hybrid eval runs adversarial cases first; coverage rolls out as the corpus expands. Until a verdict is recorded, an agent should treat this tool as not-yet-cleared and fall back to its own checks. Method: hybrid eval, four-state verdict, honest limits.

§01 Install

Claude Desktop (claude_desktop_config.json)

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<your-monarch_session_token>",
        "MONARCH_EMAIL": "<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": "~/.monarch-money-mcp",
        "MONARCH_ENABLED_TOOL_GROUPS": "<monarch_enabled_tool_groups>",
        "MONARCH_ENABLED_TOOLS": "<monarch_enabled_tools>",
        "MONARCH_DISABLED_TOOLS": "<monarch_disabled_tools>"
      }
    }
  }
}

Cursor (.cursor/mcp.json)

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server"
      ],
      "env": {
        "MONARCH_SESSION_TOKEN": "<your-monarch_session_token>",
        "MONARCH_EMAIL": "<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": "~/.monarch-money-mcp",
        "MONARCH_ENABLED_TOOL_GROUPS": "<monarch_enabled_tool_groups>",
        "MONARCH_ENABLED_TOOLS": "<monarch_enabled_tools>",
        "MONARCH_DISABLED_TOOLS": "<monarch_disabled_tools>"
      }
    }
  }
}

Cline (cline_mcp_settings.json)

npx -y monarch-money-mcp-server

§02 Environment variables

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.

§03 MCP Quality Score · methodology

freshness

completeness

installability

documentation

stability

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