Monarch Money

Monarch provides a personal finance app that lets users connect bank accounts, credit cards, loans, real estate, and investments to view all financial data in one place. The app offers tracking, budgeting, goal planning, and collaborative features for partners or advisors at no extra cost. It is available on web, iOS, and Android and syncs with over 13,000 financial institutions.

Monarch Money is profiled on the APIs.io network. Tagged areas include Personal Finance, Budgeting, and Financial Planning.

Monarch Money’s developer surface includes support, pricing, changelog, engineering blog, getting-started guide, documentation, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.3/100 thin Agent 22/100 agent aware Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

0 APIs

Personal Finance Budgeting Financial Planning

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 28.3/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 11.6 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 3.5 / 9

Regulatory Posture 3.7 / 15

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 28.6 — up to +14.3 composite points
Contract Governance scores 0.0 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/monarchmoney-com/apis.yml: open an issue on github.com/api-evangelist/monarchmoney-com to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Pricing Plans 1

Published pricing tiers and plan structures.

Monarchmoney Com Plans Pricing

2 plans

PLANS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Monarchmoney Com Domain Security

TLSv1.3 · DMARC

SECURITY

Monarchmoney Com Trust Center

SOC 2

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Access & Security 4

Authentication, authorization, and security posture

Compliance

Security

TrustCenter

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

ChangeLog

ChangeLog

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 3

The organization behind the API

Newsroom

Newsroom

Blog

Blog

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: monarchmoney-com
name: Monarch Money
image: https://cdn.sanity.io/images/mdewiujj/production/42e4e4b2c48f8120fd3102146cfb6cd334b3fd8a-1200x630.jpg?rect=0,2,1200,627&w=1200&h=627&fit=crop&auto=format
description: Monarch provides a personal finance app that lets users connect bank accounts, credit cards, loans, real estate,
  and investments to view all financial data in one place. The app offers tracking, budgeting, goal planning, and collaborative
  features for partners or advisors at no extra cost. It is available on web, iOS, and Android and syncs with over 13,000
  financial institutions.
url: https://raw.githubusercontent.com/api-evangelist/monarchmoney-com/refs/heads/main/apis.yml
x-type: company
x-source: harvest:vc-portfolio
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-21 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-21'
modified: '2026-10-21'
tags:
- Personal Finance
- Budgeting
- Financial Planning
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/monarchmoney-com-plans-pricing.yml
- type: Compliance
  url: https://www.monarch.com/security
- type: LLMsTxt
  url: llms/monarchmoney-com-llms.txt
- type: WellKnown
  url: well-known/monarchmoney-com-well-known.yml
- type: Hosts
  url: hosts/monarchmoney-com-hosts.yml
- type: Vendors
  url: vendors/monarchmoney-com-vendors.yml
- type: TermsOfService
  url: https://www.monarch.com/terms
- type: Support
  url: https://help.monarch.com/hc/en-us
- type: Security
  url: https://www.monarch.com/security
- type: PrivacyPolicy
  url: https://www.monarch.com/privacy
- type: Pricing
  url: https://www.monarch.com/pricing
- type: Newsroom
  url: https://www.monarch.com/press
- type: ChangeLog
  url: https://www.monarch.com/whats-new
- type: Blog
  url: https://www.monarch.com/blog
- type: GettingStarted
  url: https://www.monarch.com/onboarding-welcome-proxy
- type: Documentation
  url: https://docs.monarchmoney.com/
- type: TrustCenter
  url: security/monarchmoney-com-trust-center.yml
- type: DomainSecurity
  url: security/monarchmoney-com-domain-security.yml
- type: Website
  url: https://www.monarchmoney.com/
apis: []
x-backed-by:
- accel
- forerunner-ventures
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-21'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://api.monarch.com/mcp
    status: 401
  - url: https://docs.monarchmoney.com/api/mcp
    status: 403
  - url: https://www.monarch.com/mcp/v1
    status: 403
  - url: https://www.monarchmoney.com/
    status: 200
x-enrichment:
  date: '2026-10-21'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Monarch Money API — frequently asked questions

How much does the Monarch Money API cost?

APIs.io lists 2 pricing plans for Monarch Money, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Monarch Money API ready for AI agents?

Monarch Money has a Kin Score of 28.3 out of 100 (thin) and an Agent Readiness score of 21.8 (agent-aware), scored by API Evangelist on 2026-10-31.

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