Monarch Money

get_account_balances

Fetch all connected financial accounts with current balances. Returns account name, type, institution, balance, and whether it's included in net worth. Use this for an overview of all accounts.

get_net_worth_snapshot

Fetch net worth snapshots over time. Returns aggregate totals (assets, liabilities, net worth) at periodic intervals. Use this to track net worth trends.

get_recent_transactions

Fetch recent transactions with optional filtering by date range, search text, or limit. Returns date, merchant, amount, category, and account for each transaction.

get_spending_summary

Fetch a high-level spending summary. Returns aggregate spending totals and category breakdowns for the current period.

get_cashflow_report

Fetch cashflow summary — income vs expenses over a date range. Returns totals for income, expenses, and savings rate.

get_budget_status

Fetch current budget status — planned vs actual spending by category. Shows which budgets are on track, over, or under.

get_recurring_transactions

Fetch recurring transactions — subscriptions, bills, and regular charges. Use this to find recurring expenses, subscription costs, and upcoming bills.

get_investment_holdings

Fetch investment holdings for a specific account. Returns securities positions with name, ticker, quantity, value, and cost basis.

get_account_history

Fetch historical balance data for a specific account. Use this to see balance trends over time for a single account.

refresh_accounts

Trigger a sync of all connected financial institutions. Waits for the refresh to complete before returning. Use this when the user wants the latest data from their banks.

save_profile

Save or update the user's financial profile — goals, tracking preferences, budgeting style, and any context that helps personalize future advice. Content should be structured markdown. Call get_agent_instructions first to load your full playbook.