Monarch Money

---

name: monarch description: "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." metadata: { "openclaw": { "emoji": "💰", "requires": { "bins": ["python3"] }, "install": [ { "id": "pip", "kind": "pip", "package": "monarchmoney", "label": "Install monarchmoney Python library", }, ], }, }

---

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.

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.

"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.