Monarch MCP servers: which one to use
Use Monarch's own connector: you sign in on Monarch's site and choose read or read-and-write. Pick a community server only to run locally or to limit edits.
- Servers
- 7
- active
- Official
- 1
- by Monarch Money
- Hosted
- 1
- nothing to install
- Local
- 3
- runs on your machine
- OAuth
- 1
- sign in, no key
Monarch runs its own MCP connector for Claude, ChatGPT, Gemini CLI and Cursor. You sign in on Monarch's site and choose Read, or Read and write, as the permission. The community servers run on your computer and keep a Monarch login there. Most of them rely on Monarch's private interface, which can change without notice.
Good for
- Monarch users who want to ask what they spent or how their net worth is moving
- Anyone who wants an assistant to read their finances but never edit them
- People who want an assistant to categorize and tag transactions in bulk
- Developers who want a server that runs on their own machine
Which Monarch Money MCP server to use
Use Monarch's own connector unless you need to run something locally. For that, robcerda has the most stars, vargahis starts in read-only mode, PulseMCP can be limited to read-only tools, and mikelane can only edit category, tags and notes.
| Server | Official | Runs | Sign-in | Read-only option | Tools | GitHub stars |
|---|---|---|---|---|---|---|
| MonarchThis page | Official | Hosted | Account | Choose at sign-in | – | – |
| monarch-mcp-server (robcerda) | Community | Local | Saved login | – | – | 426 |
| Monarch Money (PulseMCP) | Community | Local | Session token | Tool group setting | 23 | – |
| monarch-mcp (jamiew) | Community | Local | Email and password | – | – | 28 |
| monarch-mcp (mikelane) | Community | Local | Saved login | Limited writes | – | 5 |
| monarch-mcp (vargahis) | Community | Local | Email and password | On by default | 44 | 13 |
All Monarch Money MCP servers
7 active · 1 official · official first, then by GitHub stars
- Monarch MCP ConnectorOfficialHostedOAuth
Monarch's hosted MCP connector: ask about spending, net worth and transactions, with optional write access. OAuth sign-in, Core and Plus plans.
monarch-mcp-serverMCP Server for use with Monarch Money
426 GitHub stars
Monarch MCP ServerLocalQuery and update Monarch Money accounts, transactions, and budgets
28 GitHub stars
Monarch MoneyLocalMCP server for Monarch Money — accounts, transactions, budgets, cashflow, investments, and more
13 GitHub stars- monarch-mcp
An agentic budgeting companion — a local-first MCP server that turns Claude into a financial advisor over your Monarch Money data (read + categorize only).
5 GitHub stars - monarch-mcp
A Model Context Protocol (MCP) server that provides seamless integration between Monarch Money and Claude Desktop.
3 GitHub stars 
monarch-moneyLocalMCP server for Monarch Money — account, transaction, and budget management.
98/wk downloads a week
Questions
Is there an official Monarch MCP server?
Yes. Monarch runs a connector at https://api.monarch.com/mcp. You add it as a custom connector in your AI app and sign in to Monarch in your browser.
Which Monarch MCP server should I use?
Use Monarch's own connector. It signs you in on Monarch's site and is made by Monarch. Use a community server only if you need to run it on your own computer.
Is there a read-only Monarch MCP server?
Yes. With Monarch's connector you choose Read or Read and write when you sign in. Among community servers, vargahis starts in read-only mode, PulseMCP can be limited to read-only tools with MONARCH_ENABLED_TOOL_GROUPS=readonly, and mikelane's can only edit category, tags and notes.
Is the Monarch MCP server free?
The community servers here are MIT or Apache 2.0 licensed, and need your Monarch account. For Monarch's own connector, check the plan and usage terms in Monarch's help article before you rely on it.
Do the community servers need my Monarch password?
Some do. jamiew's server takes your Monarch email, password and MFA secret. robcerda's can use browser session cookies instead, and PulseMCP's recommends pasting a session token.
Can it change or delete my transactions?
Monarch's connector can if you choose Read and write, which Monarch's blog says lets it recategorize transactions or create rules. mikelane's server limits edits to category, tags and notes, vargahis blocks writes until you opt in, and PulseMCP has tools that create, update and delete transactions.
Is the old colvint Monarch server still maintained?
No. Its README says it is archived in favor of Monarch's connector. jamiew's server is a rewrite of it that is still updated.
Why do community Monarch servers break?
mikelane's README says Monarch has no public API and its server uses Monarch's private interface. robcerda's README notes that Monarch changed its API in May 2026.