Monarch Money CLI

Monarch Money CLI generated with CLI Printing Press.

This CLI wraps Monarch's browser API/GraphQL interface for practical terminal and agent workflows: checking connectivity, listing accounts and tags, reviewing transactions, summarizing cashflow, creating and editing manual transactions, and running guarded read-only GraphQL queries.

Created by @count (Count).

Authentication

The CLI supports either a saved session or an environment token. Prefer environment variables over putting credentials directly in shell history:

MONARCH_EMAIL='user@example.com' MONARCH_PASSWORD='...' monarch-money-pp-cli login
monarch-money-pp-cli status

If MFA is required:

MONARCH_EMAIL='user@example.com' MONARCH_PASSWORD='...' monarch-money-pp-cli login --mfa 123456
monarch-money-pp-cli status

Environment fallback:

export MONARCH_TOKEN='...'
monarch-money-pp-cli status

Session file:

~/.monarch-pp-cli/session.json

The login flow requests Monarch's trusted-device /auth/login/ token and refuses to save short-lived JWT-style feature tokens.

Unique Features

• Guarded GraphQL query runner — query lets advanced users run custom read-only Monarch GraphQL query files while refusing files that contain GraphQL mutations.

  monarch-money-pp-cli query query.graphql --operation OperationName --variables '{"limit":10}'
  

• Explicit transaction writes — create, update, tag, and delete transaction workflows are exposed as first-class commands. Write commands dry-run by default and require --yes to apply.

  monarch-money-pp-cli transactions update TRANSACTION_ID --notes 'Reviewed by agent'
  monarch-money-pp-cli transactions update TRANSACTION_ID --notes 'Reviewed by agent' --yes
  

Commands

• login — log in and save a local session token
• status — verify connectivity with a read-only GraphQL request
• doctor — check local auth and live connectivity
• accounts — list accounts with balances, type, and institution
• tags — list household transaction tags and counts
• transactions — list recent transactions with merchant, category, account, amount, and tags
• transactions create — create a manual transaction; dry-run unless --yes is passed
• transactions update — update a transaction by ID; dry-run unless --yes is passed
• transactions set-tags — replace all tags on a transaction; dry-run unless --yes is passed
• transactions delete — delete a transaction by ID; dry-run unless --yes is passed
• cashflow — summarize income, expenses, net savings, and savings rate for a date range
• query — run a read-only GraphQL query from a file; GraphQL mutations are refused

Examples

monarch-money-pp-cli accounts
monarch-money-pp-cli tags --limit 20
monarch-money-pp-cli transactions --days 30 --limit 25
monarch-money-pp-cli transactions --start 2026-01-01 --end 2026-01-31 --json
monarch-money-pp-cli transactions create --date 2026-01-15 --account-id ACCOUNT_ID --amount -42.50 --merchant 'Coffee Shop' --category-id CATEGORY_ID
monarch-money-pp-cli transactions update TRANSACTION_ID --category-id CATEGORY_ID --notes 'Reviewed'
monarch-money-pp-cli transactions set-tags TRANSACTION_ID --tag-id TAG_ID --tag-id ANOTHER_TAG_ID
monarch-money-pp-cli cashflow --start 2026-01-01 --end 2026-01-31

Safety model

GraphQL writes are exposed through explicit commands with narrow inputs. Transaction write commands print a dry-run payload by default and require --yes before sending a mutation to Monarch.

query performs a safety check and refuses query files containing mutation; it is not a raw write escape hatch.

Known limitations

• Monarch Money does not publish an official public OpenAPI spec, so this implementation is based on observed browser/GraphQL behavior and the community Python client.
• Authentication may require MFA depending on the account.
• GraphQL schema changes upstream may require query updates.