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Open Accountant Docs

Monarch Money

Overview

Section titled “Overview”

Open Accountant can pull transactions directly from Monarch Money, bypassing the need to download and import CSV files manually.

Setup

Section titled “Setup”

Set your Monarch Money credentials in .env:

Terminal window
MONARCH_EMAIL=your@email.com
MONARCH_PASSWORD=your-password

Usage

Section titled “Usage”

Interactive Mode

Section titled “Interactive Mode”
Sync my transactions from Monarch
Pull my latest Monarch transactions

Headless Mode

Section titled “Headless Mode”
Terminal window
wilson --run "Sync transactions from Monarch Money"

How It Works

Section titled “How It Works”
  1. Open Accountant authenticates with the Monarch Money API using your credentials
  2. Pulls transactions from your linked bank accounts
  3. Imports them into the local SQLite database
  4. Deduplication prevents re-importing transactions you already have

Limitations

Section titled “Limitations”
  • Unofficial API — Monarch Money doesn’t publish an official API. The integration uses the monarch-money-api npm package which reverse-engineers the Monarch web app.
  • May break — If Monarch changes their API, this integration could stop working. CSV import is always the reliable fallback.
  • Requires credentials in .env — Your Monarch credentials are stored locally in plaintext. Consider using environment variable management tools for added security.