Monarch Money CSV to Beancount
Convert a Monarch Money transaction download into balanced double-entry Beancount transactions — in your browser, with the Merchant column, the ISO dates and the signed Amount already mapped.
Column mapping verified against a real Monarch Money export
How to export your Monarch Money transactions
- 1
Log in to Monarch in a desktop browser — the download is not in the mobile app — and open the Accounts page.
- 2
Choose the account you want. One account at a time matters here: Settings → Data exports every account into a single file, and this converter posts every row to the one account you name below.
- 3
Click Edit in the top right, then “Download transactions”. Rename the file as you save it — Monarch's own advice, because the download name is generic.
- 4
Open the file in a text editor and copy all of it, header row included — the mapping below is keyed to Monarch's column names.
Monarch's Amount is already signed the way Beancount wants
Negative is money out and positive is money in, on credit cards too: a card purchase exports as negative, which is exactly the sign a posting on a Liabilities: account takes, so leave “Flip every sign” switched off. Dates come out ISO (2026-08-01), the one export in this family with no month-versus-day ambiguity to resolve. Two columns describe the payee — Merchant is Monarch's cleaned-up name, which the preset maps, and Original Statement is the raw bank descriptor, one select away. Downloads stop at 10,000 transactions, and Monarch suggests 5,000 or fewer at a time, so a long history arrives as several files.
Beancount output
Monarch Money export questions
My download stopped at 10,000 rows — where is the rest?
That is Monarch's per-download cap, and it recommends staying under 5,000 rows to avoid errors. Pull your history in date-range slices, convert each file here, and paste the results one after another; Beancount reads the date on each transaction, so the order you appended them in makes no difference.
Should I use the account download or Settings → Data?
The account-level one: Accounts, then the account, then Edit, then “Download transactions”. Settings → Data merges every account into one file, and because this converter posts every row to a single Beancount account, an unfiltered export would file your mortgage, your card and your checking account in the same place. If you already have the merged file, split it on the Account column first.
Does the household plan's extra Owner column break the mapping?
No. Household plans append Owner after Tags, which leaves Amount where it already was, so the eight-column and nine-column exports both convert with this preset unchanged. Category, Notes and Tags come through in the file as well; the converter maps date, merchant and amount and leaves the rest for you to turn into Beancount tags or metadata.
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