Monarch Money — coverage map¶
Pulled live 2026-05-09 via scripts/inboxes/monarch.py accounts.
Monarch aggregates 64 accounts across 22 institutions, covering nearly all personal-side and many entity-side accounts that the repo had previously flagged as "missing" or "Monarch only". This doc is the authoritative coverage map — what's already accessible to Claude via the connector, what still has to come from elsewhere (Tokyo Star, Santander MXN, Xero), and what's manual-entry in Monarch.
Coverage summary¶
| Surface | Status | Notes |
|---|---|---|
| Personal credit cards (Chase, Amex, Citibank) | ✅ live | 16 cards |
| Personal checking + savings (WF, ServisFirst, UFCU, U.S. Bank, PNC, Cash App, Venmo) | ✅ live | Includes WF 6248 — closes open-questions Q3 |
| Business checking (Brex, JPM Private Bank, ServisFirst entity accounts) | ✅ live | 4 Brex accounts overlap Xero direct connection |
| Mortgages (First Horizon W 3101, W 2612, Capri 63, 1006 20th St S) | ✅ live | All visible as Monarch loans |
| Investment / brokerage (Schwab, Fidelity 401(k), HealthEquity FSA, Coinbase, Pinnacle) | ✅ live | E.A. Renfroe 401(k) ~$140K visible |
| Investment positions (VC funds, convertible notes, direct equity) | ✅ manual | Manually maintained inside Monarch — no auto-feed |
| Real-estate carrying values (W 3603, W 3101, W 3103, W 2612 via Zillow; Oceana 433, Casa Moksha, Mita manual) | ✅ live | Zillow auto for US TX; Oceana/CM/Mita manual |
| Vehicles (BMW M8, Keystone) | ✅ via VinAudit feed | Auto-valued |
| Wise (US) USD + MXN accounts | ✅ live | Surprise — Austin has Wise; not previously documented |
| Pinnacle Financial Partners (Mita bridge) | ✅ live | Checking + LOC visible |
| Santander MXN (RHG operations) | ❌ not in Monarch | Mexican bank; aggregator coverage doesn't extend. Stays sourced from source-data/santander/ |
| Tokyo Star Bank (RHGK / Mita) | ❌ not in Monarch | Japanese bank; aggregator coverage doesn't extend. See "Tokyo Star Bank extraction" doc |
| Casa Moksha Coinbase (CM-specific, retreat history) | ✅ live as "Coinbase (CM)" | Separate from Coinbase (Personal) |
Closes these prior open questions¶
- Q3 — Wells Fargo 6248 historical — accessible. Pull via
scripts/inboxes/monarch.py txns --account <wf-6248-id> --days 730. - Q6 — JPMorgan Chase statements — accessible (JPM Private Bank Checking visible). Same pattern.
- Q7 — Coinbase CM historical full export — accessible as
Coinbase (CM)account. - Personal credit-card historical for "business expense on personal card" backfill — all 16 personal cards visible; transaction history is one Monarch query away.
- Investment portfolio quantification (VC funds / notes / direct equity) — all visible as manual Monarch positions; carrying values current.
Still NOT in Monarch¶
- Tokyo Star Bank — Japanese bank, no aggregator coverage. Mortgage payments (¥780M base), rent income, operating expenses for Mita Garden Hills 1009 all flow through here. See
banking/tokyo-star-bank-extraction.mdfor extraction approach. - Santander MXN (RHG operations) — Mexican bank, no aggregator coverage. Already covered by
source-data/santander/renfroe-hospitality-santander-transactions.md(15-month history) plus monthly JME deliverables when they arrive. - Brex full transaction history — Brex is in Monarch (4 accounts) but only for balances + recent transactions; the canonical 878-transaction Oct-2024-to-Apr-2026 history lives in Xero via the direct connection (and
source-data/brex/).
Institutional snapshot (institution → account count)¶
Sourced from a 2026-05-09 m monarch.py accounts pull. Balances elided from this file; query live as needed.
| Institution | # accounts | What's there |
|---|---|---|
| Chase | 9 | Multiple personal + business credit cards |
| ServisFirst Bank — Personal | 9 | Personal Checking, 1006 20th St mortgage, 433 Oceana loan, Woolworth (LOC + loan), COMM LN 0001, Personal LOC, generic LOC |
| Wells Fargo | 7 | Personal 6248, CHECKING 4923, RI 1324, HHR Stock Trust 5045, WF Visa, Capri 63 mortgage, W 2612 mortgage |
| American Express | 6 | Marriott Bonvoy Brilliant, Delta Platinum Business, Corporate Card, Delta SkyMiles Reserve, Business Platinum 6009, RENFROE Business Platinum 2009 |
| Brex | 4 | Brex Card Account, Vault, Treasury, Primary checking |
| Zillow | 4 | Real estate carrying values (W 2612, W 3101, W 3103, W 3603) |
| PayPal | 3 | Personal, RH, Casa Moksha |
| Pinnacle Financial Partners | 2 | Checking + LOC (Mita bridge financing) |
| Coinbase | 2 | Personal + CM |
| UFCU | 2 | Regular Savings + Loan |
| Wise (US) | 2 | USD + MXN |
| VinAudit | 2 | BMW M8 + Keystone RV |
| First Horizon Bank | 3 | 2 mortgages + Digital Banking checking |
| Charles Schwab | 1 | Individual investment |
| Fidelity | 1 | E.A. Renfroe 401(k) |
| HealthEquity | 1 | 2024 FSA |
| Citibank Online | 1 | AAdvantage Executive World Elite |
| U.S. Bank | 1 | Raptor 428SP loan |
| (manual) | 5 | Casa Moksha real estate, Mita real estate, 433 Oceana real estate, SBA Loan 1006 20th St S, all VC fund / convertible note / direct equity positions |
Practical patterns¶
export BW_SESSION="$(cat ~/.config/bw/session)"
cd ~/projects/renfroe-holdings
# List live accounts (verify what's connected)
python3 -u scripts/inboxes/monarch.py accounts
# Last 90 days of transactions across everything
python3 -u scripts/inboxes/monarch.py txns --days 90 --limit 500
# WF 6248 historical (closes Q3 — Casa Moksha guest receipts pre-Brex era)
python3 -u scripts/inboxes/monarch.py txns --days 730 --account 163910167476496396
# JPM Private Bank Checking (closes Q6)
python3 -u scripts/inboxes/monarch.py txns --days 540 --account <id>
# Net-worth snapshots (last 24 months)
python3 -u scripts/inboxes/monarch.py networth --limit 24
# Force Monarch to refresh upstream balances first if needed
python3 -u scripts/inboxes/monarch.py refresh --wait
Operational notes¶
- Monarch session token is cached in the
app.monarch.comBW item'ssession_tokencustom field; lives ~30 days. Subsequent calls reuse the token silently. If a call returns HTTP 401, clear the field manually (or withbw edit) — next call falls through to fresh email+password+TOTP login. - Monarch's login endpoint rate-limits aggressively. The connector is
designed to do at most one fresh login per 30 days; rapid
successive
accounts/txnscalls are fine because they reuse the cached token without re-authenticating. request_accounts_refreshtriggers Monarch to re-pull from upstream institutions but does NOT mutate any data — read-only at the script enforcement level.