// MCP TOOL REFERENCE

MONARCH TOOLS

50 tools from the Monarch MCP Server, categorised by risk level.

View the Monarch policy →
// ALL 50 MONARCH TOOLS
READ 26 tools
Read check_auth_status Check if already authenticated with Monarch Money. Read debug_session_loading Debug keyring session loading issues. Read get_account_balance_history get_account_balance_history Read get_account_holdings Get investment holdings for a specific account. Args: account_id: The ID of the investment acc... Read get_accounts Get all financial accounts from Monarch Money. Read get_budgets Get budget information from Monarch Money. Args: start_date: Start date in YYYY-MM-DD format (... Read get_cashflow Get cashflow analysis from Monarch Money. Args: start_date: Start date in YYYY-MM-DD format ... Read get_cashflow_by_month get_cashflow_by_month Read get_category_details get_category_details Read get_merchant get_merchant Read get_net_worth get_net_worth Read get_net_worth_by_account_type get_net_worth_by_account_type Read get_recurring_transactions Get upcoming recurring transactions. Returns scheduled recurring transactions with their merchants, am... Read get_spending_summary get_spending_summary Read get_transaction_categories Get all available transaction categories from Monarch Money. Read get_transaction_category_groups Get all transaction category groups (parent groupings for categories). Read get_transaction_details Get full details for a specific transaction. Returns comprehensive information including attachments, ... Read get_transaction_rules Get all transaction auto-categorization rules from Monarch Money. Returns a list of rules with their c... Read get_transaction_splits Get the splits for a transaction. Returns the split details if the transaction has been split into mul... Read get_transaction_tags Get all available transaction tags from Monarch Money. Read get_transactions Get transactions from Monarch Money. Args: limit: Number of transactions to retrieve (default:... Read get_transactions_needing_review Get transactions that need review based on various criteria. This is the primary tool for finding tran... Read get_transactions_summary Get a high-level summary of transactions. Returns quick statistics about your transactions without fet... Read review_recurring_stream review_recurring_stream Read search_transactions Search and filter transactions with comprehensive filtering options. This is the most flexible transac... Read setup_authentication Get instructions for setting up secure authentication with Monarch Money.
WRITE 19 tools
Write split_transaction Split a transaction into multiple parts with different categories/merchants. The sum of all split amou... Write bulk_categorize_transactions bulk_categorize_transactions Write add_transaction_tag Add a tag to a transaction, preserving any tags already on it. Args: transaction_id: The ID of... Write categorize_transaction Assign a category to a transaction. Args: transaction_id: The ID of the transaction to categor... Write create_transaction Create a new transaction in Monarch Money. Args: date: Transaction date in YYYY-MM-DD format ... Write create_transaction_category create_transaction_category Write create_transaction_rule create_transaction_rule Write create_transaction_tag create_transaction_tag Write mark_transaction_reviewed Mark a transaction as reviewed (clears the needs_review flag). Use this after reviewing a transaction ... Write monarch_login Sign in to Monarch Money. Opens a secure form in the client UI to collect email, password, and (if... Write monarch_login_with_token Sign in to Monarch Money using a browser-copied session token. Useful for SSO users who can't use pass... Write set_budget_amount set_budget_amount Write set_transaction_tags Set tags on a transaction. Note: This REPLACES all existing tags on the transaction. To add a tag,... Write update_category update_category Write update_merchant update_merchant Write update_transaction Update an existing transaction in Monarch Money. Args: transaction_id: The ID of the transacti... Write update_transaction_notes Update the notes/memo for a transaction. Suggested format: [Receipt: URL] Description If receipt_u... Write update_transaction_rule update_transaction_rule Write upload_account_balance_history upload_account_balance_history
DESTRUCTIVE 3 tools
Destructive delete_transaction Delete a transaction from Monarch Money. Warning: This action cannot be undone. Args: tra... Destructive delete_transaction_rule Delete a transaction rule. Args: rule_id: The ID of the rule to delete (use get_transaction_ru... Destructive monarch_logout Clear the stored Monarch Money session from the system keyring.
EXECUTE 1 tools
Execute refresh_accounts Request account data refresh from financial institutions. Args: account_ids: Specific account ...
OTHER 1 tools
Other main Main entry point for the server.

Route Monarch through PolicyLayer and every one of its 50 tools is checked against your policy before it runs.

GOVERN MONARCH →

Enforced before the call runs. Nothing to install.

// FAQ
How many tools does the Monarch MCP server have? +

The Monarch MCP server exposes 50 tools across 5 categories: Read, Write, Destructive, Execute, Other.

How do I enforce policies on Monarch tools? +

Route the Monarch server through the PolicyLayer gateway. Define allow, deny, or approval rules per tool in the dashboard; they are enforced on every call before it reaches the server.

What risk categories do Monarch tools fall into? +

Monarch tools are categorised as Read (26), Write (19), Destructive (3), Execute (1), Other (1). Each category has a recommended default policy.

Enforce policy on every Monarch tool call.

Deterministic rules across all 50 Monarch tools. Per-identity grants. Full audit log. Live in minutes. Nothing to install.

GOVERN MONARCH →

Free to start. No card required.

42,500+ MCP servers and 110,000+ tools scanned and risk-classified.

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