monarch-money

name	monarch-money
description	TypeScript library and CLI for Monarch Money budget management. Search transactions by date/merchant/amount, update categories, list accounts and budgets, manage authentication. Use when user asks about Monarch Money transactions, wants to categorize spending, needs to find specific transactions, or wants to automate budget tasks.
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Monarch Money

CLI and TypeScript library for Monarch Money budget automation.

Prerequisites

Environment Variables (Required)

Variable	Required	Description
MONARCH_EMAIL	Yes	Monarch Money account email
MONARCH_PASSWORD	Yes	Monarch Money account password
MONARCH_MFA_SECRET	Yes	TOTP secret for MFA (see below)

Getting Your MFA Secret

Monarch Money requires MFA. Generate the TOTP secret:

1. Login to https://app.monarchmoney.com
2. Go to Settings > Security > Two-Factor Authentication
3. If MFA is already enabled: disable and re-enable to get a new secret
4. When shown the QR code: click "Can't scan? View setup key"
5. Copy the secret key (base32 string like JBSWY3DPEHPK3PXP)
6. Complete MFA setup in Monarch Money with an authenticator app