mmoney

mmoney is a command for Claude Code from theFong/mmoney-cli. It costs 0 tokens per session (2,376 once invoked), scanned A, original, MIT.

A command-line tool for reading Monarch Money financial data, such as accounts, transactions, and cash flow. It is an unofficial community tool, not an official Monarch Money service.

In plain words
What is it for?
Use it to gather and analyze personal account data, transactions, income, expenses, and cash flow.
Why use it?
It lets an agent inspect financial data before discussing spending patterns or possible concerns.

Command for Claude Code

Install

Getting it into your agent

One page per mod, every tool's command on it. A separate URL per tool would split the same page into five that compete with each other.

agentmods
npx agentmods add commands/thefong/mmoney-cli/mmoney
Clone the repo
git clone --depth 1 https://github.com/theFong/mmoney-cli

Made for: Claude Code.

Wrote this? Show the measurements

A badge with what this costs and how it scanned, read live from this page, so it follows the numbers instead of freezing them. Markdown for a README, HTML for a documentation site or a project page.

agentmods badge for mmoney

README.md
[![agentmods](https://agentmods.dev/badge/commands/thefong/mmoney-cli/mmoney.svg)](https://agentmods.dev/commands/thefong/mmoney-cli/mmoney)
Your own site
<a href="https://agentmods.dev/commands/thefong/mmoney-cli/mmoney"><img src="https://agentmods.dev/badge/commands/thefong/mmoney-cli/mmoney.svg" alt="Measured on agentmods" height="20"></a>
Per session 0 Only the description is in the session, so the agent can decide to use it. The body loads when it is invoked.
When invoked 2,376 The whole file, excluding the scripts and references it only reads on demand.
Security scan A 0 findings. Scan, not verified.
Origin original No closer match found in the catalogue.
Token cost

What it costs to keep this loaded

Counted locally with the o200k_base tokenizer, which is exact for GPT models; Claude uses its own tokenizer and its counts differ. Treat this as one consistent yardstick across the catalogue rather than a bill. Prices are per million input tokens.

ModelPer sessionOnce invoked
Fable 5 $0.00000 $0.02376
Opus 5 $0.00000 $0.01188
Sonnet 5 $0.00000 $0.00475
Haiku 4.5 $0.00000 $0.00238

Measured 4d ago against content hash f73ef8459728, method: parsed. Prices are Anthropic first-party input rates as of 2026-08-30, from the pricing page.

Security

Grade A, and why

mmoney scanned grade A with 0 findings against 26 rules in 11 categories — prompt injection, anti-refusal, data exfiltration, privilege escalation, supply chain, agent snooping, system-prompt leakage, SSRF and excessive agency — measured 4d ago.

A static scan of the body, not an audit. Every finding is printed with the line that produced it so you can judge whether it matters here. A mod is markdown that instructs an agent; that is exactly why what it instructs is worth reading.

Nothing flagged

None of the 26 patterns this scan looks for appear in this file: no shell pipes, no recursive deletes, no credential paths, no hidden text, no instruction-override or anti-refusal phrasing, no agent-config snooping. That is not a guarantee, it is the absence of the things that are checkable.

.claude/commands/mmoney.md · 291 lines

How it starts

The opening of the file, as written. The whole thing — 291 lines — stays where its author put it; the contents beside it link to each section on GitHub.

mmoney - Monarch Money CLI

Use the mmoney CLI to access Monarch Money financial data. This is an unofficial community tool.

Your Role: Personal Wealth Advisor

Think like a wealth advisor when helping the user with their finances.

Be Curious First, Ask Questions Later

Explore before interrogating. When the user asks a financial question, don't immediately ask them clarifying questions. Instead:

  1. Pull the data first - Use the CLI to gather their accounts, transactions, cashflow
  2. Analyze what you see - Look for patterns, concerns, opportunities
  3. Present insights with context - Share what you learned, then ask focused questions if needed

Bad: "What's your monthly income? What are your financial goals? Do you have an emergency fund?"

Good: "Let me look at your accounts... I see you have $12k in checking, $45k in a brokerage, and $8k in credit card debt at likely high interest. Your cashflow shows $6k/month income and $4.5k expenses. Before we discuss strategy, I'm curious—is the credit card balance from a recent large purchase, or has it been building up?"

1. Understand the Full Picture

Start by gathering context about their financial situation:

  • Net worth: Total assets minus liabilities
  • Liquidity: Cash and easily accessible funds vs locked/invested assets
  • Cash flow: Monthly income vs expenses, savings rate
  • Debt profile: High-interest debt (credit cards) vs low-interest (mortgage)
  • Investment allocation: Stocks, bonds, retirement accounts

2. Assess Liquidity Needs

Categorize their accounts by liquidity:

  • Immediate (0-1 days): Checking accounts, cash
  • Short-term (1-7 days): Savings accounts, money market
  • Medium-term (weeks): Brokerage accounts (non-retirement)
  • Long-term (penalties/restrictions): 401k, IRA, CDs

3. Consider Their Goals

Common financial goals to keep in mind:

  • Emergency fund (3-6 months expenses)
  • Debt payoff (prioritize high-interest)
  • Retirement savings (maximize tax-advantaged accounts)
  • Large purchases (house, car, education)
  • Investment growth

Read the full file on GitHub · 291 lines

Changes

What this file has done since we first saw it

Hashed on every crawl. A supply-chain change to an agent config is a question of when, not whether, so the history is kept rather than the latest state alone.

  1. 4d ago First seen · 291 lines · 0 tokens per session scan A f73ef8459728

Subscribe to this mod's changes

mmoney is a command published in the GitHub repository theFong/mmoney-cli (39 stars, last pushed 4mo ago), licensed MIT. It costs nothing until one of its globs matches a file; then it loads 2,376 tokens. A static security scan graded it A with 0 findings. No closer match exists in the catalogue, so it is treated as the original; first seen 2026-08-30.