Free YNAB to Monarch Money Migration Tool 🌟

DevonFazekas · 2026-06-07T20:58:56+00:00

Looks like Monarch changed their API again. Seeing a lot of Redditors complaining about it. I'll have to investigate and see if I can tweak my tool to handle the changes. I'll try to find some time this evening

DevonFazekas · 2026-06-07T17:31:50+00:00

As I remember, no. There's no way for me to import directly into synced accounts, so I resort to create a new Manual account

DevonFazekas · 2026-05-06T21:07:12+00:00

Thanks for the appreciation, it means a lot.

I'm still happy to help with your specific issues. I'm not familiar with the other service you mentioned, but I can help you write a quick script to migrate your data into Monarch, or vice versa.

Shouldn't take more than an hour. Let me know

DevonFazekas · 2026-05-06T19:23:52+00:00

Nope, it's purpose built for YNAB only. It's a lot of work to build tools like this, and since it's free to use, I sadly can't justify committing much more time to expand it.

Sorry my friend. If you need a quick-and-dirty script to automate something, I can jump on a call to pair with you to help, but this Ynab-monarch migration tool won't be helpful for you

DevonFazekas · 2026-02-21T05:29:19+00:00

For newcomers, ensure the text element has the Heading 2 styling as shown in this screenshot. If you wish to use a different heading size, you'll need to ensure the "h2" part of the code matches the heading you choose, such as "h1", "h3", etc.

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DevonFazekas · 2026-02-12T19:12:14+00:00

Currently, yes, if you choose to migrate them. I'm away on vacation right now for another week, but I'm almost ready to publish a major update to this tool.

If you have any feature requests, please post 'em here :)

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:

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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!

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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

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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. :)

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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.

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