Monarch MCP connector: ask Claude, ChatGPT or Cursor about your Monarch money
Lets Claude, ChatGPT, Cursor or Gemini CLI answer questions about your Monarch spending, budgets and net worth. You sign in with your Monarch account.
This is Monarch's own connection to your AI assistant, run by Monarch, so there is nothing to install. You can ask what you spent, how your net worth is moving, or which transactions need review, and the answer uses your live Monarch data. It starts read-only, and you choose on the consent screen whether it may also edit transactions, tags and rules. Monarch cannot undo changes your AI makes, and accounts linked through Finicity are not included yet.
Good for
- Monarch members who want to ask about their money in plain words instead of building reports
- Couples and families running a regular money check-in from live numbers
- People cleaning up categories and tags in bulk, after granting write access
- Anyone gathering records for taxes, reimbursements or an FSA or HSA
Works in
5 supported · 9 should work
Tap an app to see how to set it up and any known problems.
Monarch supports it. Run /mcp to sign in, or copy the sign-in link if no browser opens. help.monarch.com
Monarch supports it: add the address as a custom connector, then sign in to Monarch. help.monarch.com
Monarch supports it. Fully quit and reopen Cursor after adding the address. help.monarch.com
Monarch supports it: add the address as a remote server, then sign in to Monarch. help.monarch.com
Monarch supports ChatGPT on the web only, on Plus, Pro, Business, Enterprise or Education plans. help.monarch.com
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Supports hosted MCP servers.
Install Monarch MCP Connector
Claude Code
- 1
Copy this prompt.
Add the Monarch MCP Connector server to Claude Code. Run this command: claude mcp add --transport http monarch-connector https://api.monarch.com/mcp Then check that it loaded and tell me if I need to sign in or restart.
- 2
Paste it into Claude Code. It shows the change and asks before running it.
Requires Monarch Core or Plus account.
Read-only mode: Read-only is the default. When Monarch's consent screen opens, leave only Read ticked and untick Write.
When you connect, Monarch opens a consent screen in your browser: approve the data-provider notice, then pick read-only or read and write. You can see and revoke every connected app in Monarch under Settings, MCP Connector. If no browser opens, run /mcp in Claude Code and copy the sign-in link it prints.
From the vendor's docs. Source.
Tools
We don't list Monarch MCP Connector's tools here yet. After you connect it, ask your assistant "What can you do with Monarch MCP Connector?" to see them.
Pros and cons
Good
- Run by Monarch, so there is nothing to install or keep updated.
- You sign in on Monarch's site; your password never goes to the AI app.
- Read-only by default, with write access only if you tick it.
- Included on both Core and Plus plans.
- Each connected app is listed in Monarch settings and can be revoked at once.
- Monarch says it does not keep your prompts or the AI's replies.
Watch out
- Monarch cannot undo changes the AI makes with write access.
- No way to limit it to some accounts, categories or dates.
- Accounts linked through Finicity, often Fidelity brokerage, are left out for now.
- Weekly usage limits, lower on Core than on Plus.
- No log of each request the AI made.
- ChatGPT works on the web only and needs a paid plan.
Permissions
medium risk · 6 things to watch
Medium risk
If you allow write access, your AI can change transactions, tags and rules, and Monarch cannot undo those changes. Keep it read-only unless you need edits, and ask for a preview before any bulk change.
What it can do
- Read your data
- Create and change things
- Delete things
- Read-only modeHow to turn it on
Watch out for
Monarch can't undo changes your AI makes
With write access it can edit transactions, tags and rules. Keep it read-only unless you need edits, and ask for a preview before bulk changes. help.monarch.com
It sees all your accounts, not just some
You cannot limit it to certain accounts, categories or dates. Whatever it reads is sent to your AI provider and handled under that provider's policies. help.monarch.com
No log of what the AI read or changed
Monarch shows when each tool was last active, not each request. Revoke tools you no longer use in Settings, MCP Connector. help.monarch.com
Some AI apps can skip the approval step
Monarch notes most apps ask before writing, but some can be set to run without asking. Keep approvals on in your AI app. help.monarch.com
Your password never goes to the AI app
You sign in on Monarch's site and the AI app gets access you can revoke at any time. help.monarch.com
Plaid is told when an AI app reads Plaid data
Monarch shares only the app's name, the access time and a user ID with Plaid, never your transactions or balances. help.monarch.com
Security advisories
No published security advisories as of Nov 1, 2026.
Technical details
| Turning on read-only | Read-only (mcp:read) is the default. On Monarch's consent screen, leave only Read ticked. To change later, revoke the tool in Settings > MCP Connector and reconnect. |
|---|---|
| Talks to | api.monarch.com |
| Sign-in and keys | OAuth tokens held by your AI client; your Monarch password is never shared. Revoke any tool in Monarch under Settings > MCP Connector. |
| Data retention | Monarch says it does not keep your prompts or the AI's replies. The data returned is handled by your AI provider under its own policies. |
| Scopes |
|
Alternatives
Use Monarch's own connector. It is run by Monarch, starts read-only and never gives your password to the AI app.
| Server | Official | Runs | Sign-in | Read-only option | GitHub stars |
|---|---|---|---|---|---|
| Monarch MCP ConnectorThis page | Official | Hosted | Monarch account | Yes, default | – |
| monarch-mcp-server (robcerda) | Community | Local | Saved session | – | 426 |
| monarch-mcp (jamiew) | Community | Local | Saved session | – | 28 |
| monarch-mcp (vargahis) | Community | Local | Saved session | Yes, default | 13 |
Questions
What is the Monarch MCP server URL?
It is https://api.monarch.com/mcp. Add it as a custom connector in your AI app, then sign in to Monarch in your browser.
Is it safe to connect my finances to an AI?
Your password stays with Monarch, and you can revoke access at any time. The risk is what you share: everything the AI reads goes to your AI provider, so keep it read-only and check that provider's data settings.
Can I give it read-only access?
Yes. Read-only is the default. On Monarch's consent screen, leave only Read ticked and it can answer questions but not change anything.
Can it change or delete my transactions?
Only if you grant write access. Then it can create and edit transactions, tags and rules, and Monarch cannot undo those changes.
Is it free?
It is included with both Core and Plus plans. Each has a weekly usage limit, and Plus gets much more usage and no weekly cap on changes.
Why are my Fidelity accounts missing?
Accounts linked through Finicity, which often includes Fidelity brokerage, are not available through the connector yet. Monarch lists the affected institutions on its MCP settings page.
Can I limit it to certain accounts?
No. Today the only choice is read or read and write, across all your accounts.
Why does it say "Token does not have the required scope"?
You asked for a change while connected read-only. Revoke the tool in Monarch under Settings, MCP Connector, then reconnect and tick Write.
Why did the Monarch MCP stop working for a while?
Monarch paused the connector during its beta. It came back on October 21, 2026.
Monarch's connector vs a community Monarch MCP server?
Monarch's connector is run by Monarch and signs you in on its own site. Community servers run on your computer, store a Monarch login there and rely on an unofficial Monarch library, which can break without notice.
Information
updated Nov 1, 2026
- Publisher
- Official
- Transport
- Streamable HTTP
- Auth
- OAuth
Other Monarch Money MCP servers
Sources
Docs, issue trackers and discussions this page is built from. Issues, quotes and findings above link to their own source.
Show all 6Hide
- Monarch MCP Connector · help.monarch.com
- Monarch OAuth server metadata · api.monarch.com
- jamiew/monarch-mcp · github.com
- Bring your money into the conversation with the Monarch MCP · monarch.com
- robcerda/monarch-mcp-server · github.com
- vargahis/monarch-mcp · github.com