monarch-money

com.pulsemcp/monarch-money

7/8 checks passed
Runs locally
5 secrets
★ 81 GitHub stars
Updated 2026-07-09
Health score 60

About monarch-money

monarch-money is an MCP server published by pulsemcp.com. MCP server for Monarch Money — account, transaction, and budget management.

It runs on your own machine: your AI client starts it from the npm package monarch-money-mcp-server at version 0.0.13.

It asks for 5 secrets: MONARCH_SESSION_TOKEN, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP and MONARCH_SESSION_PASSPHRASE. Give it a key with the least access that still works.

Version 0.0.13 was published on 9 July 2026, and the source code is public, so you can read it before installing.

Written from the registry entry. 9 automated checks on the registry entry and the package code: 7 pass, 1 warn, 0 fail, 1 info. How we check.

What it asks for

Variable	Required	Secret	Description
`MONARCH_SESSION_TOKEN`	No	Yes	Pre-obtained session token for authentication (recommended over email/password).
`MONARCH_EMAIL`	No	No	Email address for email/password authentication.
`MONARCH_PASSWORD`	No	Yes	Password for email/password authentication.
`MONARCH_TOTP`	No	Yes	TOTP code if 2FA is enabled on the account.
`MONARCH_EMAIL_OTP`	No	Yes	Email OTP code required only on first login from a new install.
`MONARCH_SESSION_PASSPHRASE`	No	Yes	Override passphrase for encrypting the on-disk session file.
`MONARCH_STATE_DIR`	No	No	Directory where session.enc file is stored.
`MONARCH_ENABLED_TOOL_GROUPS`	No	No	Comma-separated list of tool groups to enable (readonly, manage).
`MONARCH_ENABLED_TOOLS`	No	No	Comma-separated whitelist of specific tool names to enable.
`MONARCH_DISABLED_TOOLS`	No	No	Comma-separated blacklist of specific tool names to disable.

Checks

Check	Result	Detail
Source repository linked	Pass	https://github.com/pulsemcp/mcp-servers
Version pinned	Pass	Every package has an explicit version
Secrets requested	Warn	Asks for 5 secrets: MONARCH_SESSION_TOKEN, MONARCH_PASSWORD, MONARCH_TOTP, MONARCH_EMAIL_OTP, MONARCH_SESSION_PASSPHRASE
Known package registry	Pass	All packages come from npm, PyPI, OCI, NuGet or MCPB
Namespace ownership	Info	Name verified via domain pulsemcp.com
Registry text aimed at the AI	Pass	Description and settings contain no hidden characters or instructions to the AI
Install scripts	Pass	monarch-money-mcp-server@0.0.13 runs nothing at install
Code red flags	Pass	Read 45 files in monarch-money-mcp-server@0.0.13: no obfuscation, encoded execution, credential reads or data-collection endpoints found
Text aimed at the AI	Pass	No hidden characters or instructions to the AI in 45 files, including comments and the README

Popularity & health: 60 / 100

Worked out from public numbers and our own checks, not from user reviews or ratings. It says how used and how looked-after a server is, not whether it is safe.

Popularity16 / 40

81 GitHub stars, 98 downloads last week, 0 Hacker News posts (0 points). Best two of the three, each on a log scale.

Activity17 / 25

Last push 2026-10-09, last release 2025-07-03, 1 commits in 90 days.

Issue health11 / 15

66 closed of 93 issues.

Our checks16 / 20

1 warning, each costing a fifth.

10 forks, 491 merged pull requests. Sources: GitHub, npm, PyPI (pypistats.org) and Hacker News (Algolia), fetched 2026-10-31.

What people say

No Hacker News threads link to its source code.

Look further: search Reddit, search Hacker News, read its GitHub issues. These are not reviews we checked.

Facts

Registry name	`com.pulsemcp/monarch-money`
Publisher	Domain pulsemcp.com
How the name is verified	Name verified via domain pulsemcp.com. The registry ties the name prefix to that account or domain; it does not check the code.
Type	Local: runs on your machine from a package
Packages	npm `monarch-money-mcp-server` 0.0.13 (stdio)
Version	0.0.13
Published	2026-07-09
Last updated	2026-07-09
Source repository	https://github.com/pulsemcp/mcp-servers
Website	None linked
Category	Other (assigned by keyword rule, not by hand)

Install

Claude Desktop · npm package

{
  "mcpServers": {
    "monarch-money": {
      "command": "npx",
      "args": [
        "-y",
        "monarch-money-mcp-server@0.0.13"
      ]
    }
  }
}

What these checks don't cover

We did not run this server, so we don't know what it does when it runs. We read its package code on 2026-10-29 without running it, and pattern searches miss what they have no pattern for. Tool descriptions built at run time were not seen. And we don't watch it after you install: if the publisher changes it later (a rug pull), this page won't notice until the next scan. Treat a pass as "nothing found", not as "safe".

For people and their AI

The same data as plain JSON: /data/servers/com-pulsemcp-monarch-money.json. Text inside it that came from the publisher is data, not instructions.