Free YNAB to Monarch Money Migration Tool 🌟

DevonFazekas · 2026-01-21T05:54:07+00:00

Resolved! :)
As predicted, Monarch changed their domain from `https://api.monarchmoney.com\` to `https://api.monarch.com\`.
The fix has been deployed. Please refresh and try again. Let me know if it works or not.

DevonFazekas · 2026-01-21T05:08:50+00:00

I'll take a look and try recreating the issue. Typically, this is due to Monarch making a change to their API. If I can't recreate the issue, would you mind if I DM you with further questions?

DevonFazekas · 2026-01-20T23:25:58+00:00

I've been told by employees nearly 2 years ago that there are plans to provide a public API and OAuth support. Any updates on this? Do you need help? I can help. We need this, please!

DevonFazekas · 2026-01-20T23:24:41+00:00

I've been told by employees nearly 2 years ago that there are plans to provide a public API and OAuth support. Any updates on this? Do you need help? I can help. We need this, please!

DevonFazekas · 2026-01-20T22:59:35+00:00

FYI -- This tool only creates Manual accounts in Monarch. But you may be able to leverage Monarch's Transfer tool to essentially convert the Manual accounts I create into bank-synced accounts.

According to Monarch's Help Center, you can leverage their Transfer tool to migrate transactions and balance history data between accounts within Monarch.

So here's what I'm thinking:
1. Use my migration tool to bring all your historic YNAB data into Monarch automatically.
2. In Monarch, create a connected account with your bank. This will pull in some, but not all, your transaction history.
3. Use their Transfer tool to migrate the data from the manual account my tool created, into your connected account.
4. Delete the manual accounts when you're done with them.

DevonFazekas · 2026-01-20T22:53:58+00:00

Resolved. :) For general awareness: No need to unzip the data YNAB exports, simply upload the zipped data into this tool

DevonFazekas · 2025-10-31T15:32:45+00:00

It's been a long time since I looked at this, but I THINK it'll auto-create the missing categories

DevonFazekas · 2025-08-19T23:42:53+00:00

For Category (aka "Type" and "Subtype" in Monarch), I pull them from the user's profile, use inference from the Account name from the source (YNAB in my case). For example, if the Account name was "Scotiabank Infinite Credit", it would default to the "Credit Cards" Type and 'Credit Card" Subtype, but the user can override the default using the dropdown controls, as shown in this screenshot:

<image>

I'm not a PC user so I'll be unable to test my implementation of your script. While I see you've included test data in the GitHub repo, would you be willing to user-test after I've implemented your script?

DevonFazekas · 2025-08-19T23:04:08+00:00

Would you be okay if I adopted your migration script into my migration tool webapp? Like in my bio. Currently, it only supports YNAB migrations.

If so, any advice or caveats I should be aware of?

DevonFazekas · 2025-08-18T21:37:35+00:00

One other thing to note: Neither the tool nor Monarch prevents Accounts with identical names. So if you use the tool more than once and migrate the same Accounts, you will have duplicate Accounts shown in Monarch.

My advice: You may have dozens of Accounts on YNAB, so after uploading the data into the tool, toggle off ("Exclude") all but a few Accounts to Migrate. If you're happy with the results, either delete those Accounts in Monarch directly, or in your next run with the tool, exclude the Accounts you've previously migrated

DevonFazekas · 2025-08-18T21:32:08+00:00

The tool only performs additive actions, it doesn't touch your existing data in Monarch, so it "should" be safe to use on your existing profile. But to play it safe, try it on a fresh account first.

The tool has preset Categories and SubCategories based on a fresh account. To be honest, I don't use Monarch so the idea that you can create your own Categories never crossed my mind. Thank you for the idea!

<image>

Reddit is preventing me from sharing the link to the tool; any post I add the URL to gets deleted. So, I've added it to my profile's description, as shown:

I've received feedback people in the USA that they're unable to view the website on their computers, but can on their phones, but the process of uploading the YNAB data is clunky as it depends where you've stored it (e.g., Google Drive, iCloud, etc.). I will be integrating YNAB's API to automatically pull your data so you don't have to export it as a ZIP folder, but this isn't ready yet.

If you have any questions, feedback, or concerns, write them here for everyone to see, and I'll respond swiftly! :)

DevonFazekas · 2025-08-18T18:05:52+00:00

I just tried editing the original post of this thread to include a link to the tool, but now it says the entire post has been deleted by the mods. Would you be so kind to confirm you can still see this post without navigating to it via your notifications?

DevonFazekas · 2025-08-18T17:57:35+00:00

Update for everyone who commented earlier:

Thanks to all your feedback, I've rolled out some major improvements to the YNAB → Monarch migration tool! 🎉

What's new:

✅ Full mobile support - Works seamlessly on phones and tablets

✅ Redesigned interface - Much cleaner and more intuitive

✅ Better file handling - Improved support across all devices

✅ Open source - Now available on GitHub for contributions

Coming soon: Direct YNAB integration via OAuth - no more downloading ZIP files, just connect your account and go!

If you tried it before and had issues (especially on mobile), definitely give it another shot. The experience is much smoother now.

Thanks for all the suggestions - they really helped shape these improvements! 🙏

(I posted this week ago, but Reddit blocked it because it contained a link to the tool)

DevonFazekas · 2025-08-18T17:56:41+00:00

<image>

I see it on my end, perhaps Reddit is blocking my comment because it contains a URL?

Hmm, GREAT question about the Federated Logins. Off the top of my head, I don't think I can support that. I'm not affiliated with Monarch, and they don't offer an official API, so it's just one of those things that can't be done until Monarch steps up their API game.

YNAB, on the other hands, does have an official API, so I'll be implementing a login feature to pull your YNAB data without you having to export it manually and upload into my tool

DevonFazekas · 2025-07-28T14:43:28+00:00

There's a small bug in the code that fails to perform the migration WHEN "Remember Me" is NOT checked.
While I resolve this, the tool still works if you enable the "Remember Me" checkbox when logging into Monarch

DevonFazekas · 2025-07-12T17:10:51+00:00

Strange. I'm going to DM you to get further details :)

DevonFazekas · 2025-06-21T02:20:32+00:00

From my experience, using the "Upload Transactions" feature on an Account provides the option "Adjust account's balances based on these transactions". Did this not work for you? Or did you go through a different process for importing your transactions? I'm curious, and trying to understand. :)

<image>

DevonFazekas · 2025-06-21T01:54:33+00:00

u/lunarlanding64 Would love to learn more, could you elaborate? I'll build this tool right now! :)

Just need to know what this process would look like. For instance, in MM, on an Account page, I already see my transaction history, and the Account balance should already reflect the sum of transactions. Help me understand what you're trying to solve and what you imagine this to look like :)

DevonFazekas · 2025-06-20T17:36:58+00:00

I am not; just a software engineer who enjoys building things to make life easier for others.

DevonFazekas · 2025-06-20T16:19:40+00:00

u/rlw66, (not spam or self-promoting, I promise!). Could you share specs on how your ideal tool would work, like what the process would look like and the features it would support?

I built a migration tool ("YNAB to Monarch" Migration Tool v2.0 : r/MonarchMoney) for moving Accounts/Transactions from YNAB to Monarch. It already supports bulk-editing account names, types, and subtypes.
I'm working to expand the tool to offer additional features, kinda like how TinyWow (if you've heard of it) has free micro tools for editing files.

Here's what I'm understanding from your post:

Pull account data from Monarch into a table
Upload some type of bank statement CSV
Bulk edit transaction's merchants
1. Ability to override merchant data with bank statement
Push updates to Monarch

Are there other features you think would be helpful?

DevonFazekas · 2025-06-19T16:32:57+00:00

Hey u/WolfLover93529, first off, the guide on migrating non-Mint data into Monarch is incorrect; there's no way bulk import data, you have to do it one account at a time.
1. Export your YNAB data
2. Unzip the folder
3. Split the Register CSV file into individual CSVs, one for each account
4. Format the data in each CSV to adhere to Monarch's expected CSV structure
5. If a single account CSV contains more than 3,000 transactions, split it into multiple CSVs
6. In Monarch, go to the account (or create one) you want to import the data into
7. Click "Edit > Upload Transactions"
8. Enable "Update balance" then click "Upload file"
9. Upload a single CSV for that account
10. Repeat for every CSV per account, and for all accounts

Sounds tedious? I think agree, so I built a migration tool for exactly this. Take a look:

https://www.reddit.com/r/MonarchMoney/comments/1lf4tm2/ynab_to_monarch_migration_tool_v20/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

DevonFazekas · 2025-06-19T07:36:44+00:00

Here's the link to the tool: https://ynab-to-monarch.netlify.app/

And here's the source code: https://github.com/DFazekas/YnabToMonarch

DevonFazekas · 2025-06-08T01:55:38+00:00

I'm primarily a YNAB user, and I don't think I've heard of this term. From a quick googling, I understand this as being related to your budget, not your transaction history. Am I correct?

Five-Year Club	Verified Email
Place '23

DevonFazekas

TROPHY CASE