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.