{"id":"robcerda-monarch-mcp-server","name":"monarch-mcp-server","af_score":57.0,"security_score":52.5,"reliability_score":30.0,"what_it_does":"monarch-mcp-server is a Python MCP server that connects an MCP-capable client (e.g., Claude Desktop/Claude Code) to the Monarch Money personal finance platform, exposing tools for accounts, transactions, budgets, cashflow, and investment holdings. It relies on an authentication setup script and persists an authenticated session locally for use by the MCP server.","best_when":"You want an MCP tool interface to Monarch Money data in a local/dev setup, and you can run a Python process that performs one-time login with MFA and keeps a persisted session on disk.","avoid_when":"You need a public, internet-reachable API with centralized governance; or you cannot accept local session persistence and the operational risk of handling finance data in a local environment.","last_evaluated":"2026-03-30T13:45:11.355377+00:00","has_mcp":true,"has_api":false,"auth_methods":["Local one-time login via login_setup.py (email/password) plus optional MFA (2FA code prompt)","Persistent local session loaded by the MCP server"],"has_free_tier":false,"known_gotchas":["Session/authentication issues require running login_setup.py again; otherwise tools may return errors like 'No valid session found' / 'Authentication needed'.","Transaction filtering requires correct date format (YYYY-MM-DD).","Invalid account_id values will produce errors; use get_accounts to discover valid IDs.","Write operations (create/update transaction) may be non-idempotent unless the upstream API provides idempotency (not described here)."],"error_quality":0.0}