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Monarch Money
by
SilentKnight87
· GitHub ↗
· v1.0.0
· MIT-0
91
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Install in OpenClaw
/install monarch
Description
Access Monarch Money financial data: accounts, transactions, budgets, and cashflow. Use when the user asks about their finances, spending, account balances,...
Usage Guidance
This wrapper appears to do what it claims: it installs the monarchmoney Python library, prompts you for your Monarch email/password and MFA once, then saves a session token at ~/.monarchmoney/mm_session.pickle for future use. Before installing, verify the 'monarchmoney' pip package source (use a virtualenv), review its repository if possible, and ensure you trust the environment where you'll store the session file. Treat the session file as sensitive (restrict filesystem permissions). Remember the agent can invoke the skill by default — if you don't want autonomous access to your finances, disable model invocation or avoid installing the skill.
Capability Analysis
Type: OpenClaw Skill
Name: monarch
Version: 1.0.0
The monarch skill facilitates access to sensitive financial data using the monarchmoney library, which is a high-risk capability. While the code aligns with its stated purpose, it contains security vulnerabilities: scripts/login_setup.py uses input() for password collection, potentially exposing credentials in terminal history, and both scripts use Python's pickle module to store and load session data in ~/.monarchmoney/mm_session.pickle, which is susceptible to insecure deserialization attacks if the local file system is compromised.
Capability Assessment
Purpose & Capability
Name/description match the implementation: scripts call the monarchmoney client to list accounts, transactions, budgets, cashflow, and trigger refreshes. Required binary (python3) and the pip package are appropriate for the stated purpose.
Instruction Scope
SKILL.md instructions are scoped to installing the monarchmoney library, running an interactive login to collect email/password/MFA, and using CLI scripts that read/write the session file under ~/.monarchmoney. There are no instructions to read unrelated files, environment variables, or send data to unexpected endpoints.
Install Mechanism
The install path is pip install of the 'monarchmoney' Python package (documented in SKILL.md). No arbitrary downloads, URL shorteners, or archive extraction are used in the skill bundle itself.
Credentials
The skill requests no environment variables or external credentials in its manifest. It asks the user interactively for email/password/MFA as expected for login and persists a session file locally. No unrelated secrets or config paths are requested.
Persistence & Privilege
The skill does not request always:true or system-wide changes. It saves a session to ~/.monarchmoney/mm_session.pickle (normal for this use). The skill is invocable/autonomous by default (disable-model-invocation is false) — this is the platform default but worth noting because the skill can be called by the agent.
How to Use
- Make sure OpenClaw is installed (local or Docker)
- Run the install command in chat:
/install monarch - After installation, invoke the skill by name or use
/monarch - Provide required inputs per the skill's parameter spec and get structured output
Version History
v1.0.0
Initial public release: accounts, transactions, budgets, cashflow, account refresh via CLI wrapper
Metadata
Frequently Asked Questions
What is Monarch Money?
Access Monarch Money financial data: accounts, transactions, budgets, and cashflow. Use when the user asks about their finances, spending, account balances,... It is an AI Agent Skill for Claude Code / OpenClaw, with 91 downloads so far.
How do I install Monarch Money?
Run "/install monarch" in the OpenClaw or Claude Code chat to install it in one step — no extra setup required.
Is Monarch Money free?
Yes, Monarch Money is completely free, licensed under MIT-0. You can download, install and use it at no cost.
Which platforms does Monarch Money support?
Monarch Money is cross-platform and runs anywhere OpenClaw / Claude Code is available (cross-platform).
Who created Monarch Money?
It is built and maintained by SilentKnight87 (@silentknight87); the current version is v1.0.0.
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