Monarch Money

Monarch Money

Auth: Playwright + Chrome cookies, or manual CSV export URL: https://www.monarchmoney.com Configuration: Set credentials and Chrome profile in vault/wealth/config.md

Data Available

Data Type	Access Method	Notes
Transaction history	CSV export or scrape	All accounts: date, amount, merchant, category, account
Spending by category	CSV export or scrape	Month-to-date and historical by category
Budget vs. actual	Scrape dashboard	Per category: budget, spent, remaining
Net worth snapshot	Scrape dashboard	Assets and liabilities as of today across all linked accounts
Account balances	Scrape	All linked institutions: bank, brokerage, loans
Recurring transactions	Scrape	Auto-detected subscriptions and recurring charges
Cash flow history	CSV export	Monthly income and expense totals by category, historical

Configuration

Add to vault/wealth/config.md:

monarch_email: YOUR_EMAIL
monarch_chrome_profile: /Users/YOU/Library/Application Support/Google/Chrome/Default
monarch_export_path: ~/Documents/aireadylife/vault/wealth/00_current/imports/

CSV Export (Recommended for Transaction History)

Settings → Export → Transactions → set date range → Download CSV

The CSV contains: Date, Merchant, Category, Account, Amount, Notes, Tags.

Save to vault/wealth/00_current/imports/YYYY-MM-transactions.csv before running the cash flow review.

Monarch-Specific Notes

• Monarch is the recommended primary transaction source — it normalizes categories across all linked institutions
• Category assignments may need manual correction for some merchants (Monarch allows training)
• Net worth from Monarch can be used as a cross-check against the vault's own net worth calculation
• Monarch's "Cash Flow" report is the easiest way to get a monthly income vs. expense total; export it as CSV

Used By

• wealth-cash-flow-review — primary source for monthly transaction data and budget vs. actual
• wealth-build-cash-flow-summary — read categorized transactions to build the cash flow summary
• wealth-net-worth-review — optional cross-check against Monarch's aggregated net worth

Vault Output

• vault/wealth/00_current/imports/YYYY-MM-transactions.csv — imported transaction file
• vault/wealth/00_current/YYYY-MM-cashflow.md — written by the cash flow review skill after processing the import