Monarch Money

Access Monarch Money financial data: accounts, transactions, budgets, and cashflow. Use when the user asks about their finances, spending, account balances, budget status, cashflow summaries, or wants to refresh linked bank accounts. Triggers on: 'how much did I spend', 'what's my balance', 'show my budget', 'cashflow this month', 'refresh my accounts', or any personal finance query.

Monarch Money Skill

Query Monarch Money for financial data via CLI wrapper scripts.

Prerequisites

1. Install the library:

   pip install monarchmoney
   

2. First-time authentication (interactive, run once):

   python3 scripts/login_setup.py
   

   Prompts for email, password, and MFA code if enabled. Saves session to ~/.monarchmoney/mm_session.pickle. Sessions last months.

Commands

All commands output JSON. Pipe through jq for filtering.

Accounts

python3 scripts/monarch.py accounts

Returns: id, displayName, type, subtype, currentBalance, institution, isHidden, includeInNetWorth.

Transactions

# Last 30 days (default)
python3 scripts/monarch.py transactions

# Custom date range
python3 scripts/monarch.py transactions --start 2026-01-01 --end 2026-01-31

# Limit results
python3 scripts/monarch.py transactions --limit 50

Returns: id, date, amount, merchant, category, account, notes, isPending, isRecurring.

Budgets

python3 scripts/monarch.py budgets

Returns: monthlyBudget, totalSpent, per-category breakdown (budgetAmount, spentAmount, remainingAmount).

Cashflow

# Current month
python3 scripts/monarch.py cashflow

# Specific month
python3 scripts/monarch.py cashflow --month 2026-01

Returns: income, expenses, savings, savingsRate for the specified month.

Refresh Accounts

python3 scripts/monarch.py refresh

Triggers a sync with all linked financial institutions.

Troubleshooting

• "Not authenticated" or "Session expired": Delete ~/.monarchmoney/mm_session.pickle and re-run scripts/login_setup.py.
• Rate limiting: Monarch Money may throttle rapid requests. Space out queries.
• Import errors: Ensure monarchmoney is installed in the Python environment being used.