actual-monzo

Automated synchronization between Monzo bank accounts and Actual Budget.

Features

• 🔐 Secure OAuth Integration - Connect to Monzo using official OAuth 2.0 flow
• 💰 Transaction Import - Sync Monzo transactions to Actual Budget
• 🗺️ Account Mapping - Configure which Monzo accounts sync to which Actual Budget accounts
• 💾 Persistent Configuration - Global config stored in ~/.actual-monzo/ with secure permissions (chmod 600)
• 🌍 Global Installation - Install once, run from anywhere
• 📋 Import History - Automatic logging of all imports in ~/.actual-monzo/logs/

Quick Start

Prerequisites

1. Monzo Developer Account

   • Register at Monzo Developers
   • Create an OAuth client application
   • Set redirect URI: http://localhost:8234/callback (or custom port, see below)
   • Note your Client ID and Client Secret

2. Actual Budget Server

   • Running Actual Budget instance (local or remote)
   • Server URL (default: http://localhost:5006)
   • Server password

3. Monzo Mobile App

   • Installed on your mobile device (required to approve OAuth)

Installation

Option 1: Global Installation (Recommended)

npm install -g actual-monzo

# Then use from anywhere
actual-monzo setup
actual-monzo import

Option 2: Local Development

# Clone the repository
git clone https://github.com/yourusername/actual-monzo.git
cd actual-monzo

# Install dependencies
pnpm install

# Build the project
pnpm build

# Run locally
node dist/index.js setup

Setup

Run the setup command to configure both Monzo and Actual Budget:

actual-monzo setup

This will:

1. Collect your Monzo OAuth credentials (Client ID & Secret)
2. Open a browser for Monzo authorization
3. Collect your Actual Budget server details
4. Validate the connection and save to ~/.actual-monzo/config.yaml

Security: The config file is automatically set to chmod 600 (owner read/write only).

Custom OAuth Port: To use a different port for the OAuth callback (default: 8234):

# Set custom port and run setup
OAUTH_CALLBACK_PORT=9000 actual-monzo setup

Make sure your Monzo OAuth redirect URI matches: http://localhost:{PORT}/callback

Map Accounts

Configure which Monzo accounts sync to which Actual Budget accounts:

actual-monzo map-accounts

This interactive command lets you select mappings between your Monzo accounts and Actual Budget accounts.

Import Transactions

Import Monzo transactions into Actual Budget:

actual-monzo import

Options:

• --start <date> - Import transactions from this date (YYYY-MM-DD, default: 30 days ago)
• --end <date> - Import transactions until this date (YYYY-MM-DD, default: today)
• --account <id> - Import only this Monzo account ID
• --dry-run - Preview import without making changes

Configuration

After setup, configuration files are stored in ~/.actual-monzo/:

~/.actual-monzo/
├── config.yaml          # Main configuration file
└── logs/
    └── import.log       # Import history log

config.yaml structure:

monzo:
  clientId: "oauth2client_..."
  clientSecret: "mnzconf..."
  accessToken: "access_token_..."
  refreshToken: "refresh_token_..."
  tokenExpiresAt: "2025-10-01T18:00:00.000Z"

actualBudget:
  serverUrl: "http://localhost:5006"
  password: "your-password"
  dataDirectory: "/Users/you/.actual"
  validatedAt: "2025-10-01T12:05:00.000Z"

accountMappings:
  - monzoAccountId: "acc_..."
    monzoAccountName: "Current Account"
    actualAccountId: "..."
    actualAccountName: "Checking"

setupCompletedAt: "2025-10-01T12:05:00.000Z"

Security:

• Config file is automatically set to chmod 600 (owner read/write only)
• Stored in your home directory, isolated from project code
• Never commit or share your config file

Development

Project Structure

actual-monzo/
├── src/
│   ├── commands/       # CLI commands (setup, import, map-accounts)
│   ├── services/       # Business logic (OAuth, API clients)
│   ├── types/          # TypeScript type definitions
│   └── utils/          # Utilities (config, OAuth server, browser)
├── tests/
│   ├── contract/       # Contract tests (API contracts)
│   ├── integration/    # Integration tests (end-to-end flows)
│   └── unit/           # Unit tests (individual functions)
└── specs/              # Feature specifications

Tech Stack

• Language: TypeScript 5.2+
• Runtime: Node.js 18+
• CLI Framework: Commander.js
• Interactive Prompts: Inquirer.js
• Testing: Vitest
• Config: YAML (js-yaml) + Zod validation
• APIs: @actual-app/api, Axios (Monzo)

Running Tests

# Run all tests
pnpm vitest run

# Watch mode
pnpm test

# With coverage
pnpm test:coverage

# Specific test suites
pnpm vitest run tests/contract/
pnpm vitest run tests/integration/
pnpm vitest run tests/unit/

Test Coverage:

• Contract tests (API contracts)
• Integration tests (end-to-end flows)
• Unit tests (individual functions)

Building

# Production build
pnpm build

# Development mode (watch)
pnpm dev

# Type checking only
pnpm type-check

# Clean build artifacts
pnpm clean

Linting & Formatting

# Run ESLint
pnpm lint

# Fix auto-fixable issues
pnpm lint:fix

# Format code
pnpm format

Running Locally

When developing locally, the CLI uses process.cwd() for config location (via ACTUAL_MONZO_CONFIG_DIR environment variable set in tests/setup.ts).

# After building
node dist/index.js setup
node dist/index.js import

# Or with tsx (development)
pnpm tsx src/index.ts setup

Testing Global Installation

# Build and link locally
pnpm build
pnpm link --global

# Then use from anywhere
actual-monzo setup
actual-monzo import

# Unlink when done testing
pnpm unlink --global

Contributing

Development Workflow

1. Create feature branch: git checkout -b feature-name
2. Make changes with tests
3. Run tests: pnpm vitest run
4. Run type checking: pnpm type-check
5. Run linter: pnpm lint
6. Build: pnpm build
7. Commit with conventional commits format
8. Create pull request

Testing Standards

• Write tests for new features (contract tests define the API)
• Maintain comprehensive test coverage
• All tests must pass before merge
• Use TypeScript strict mode

Code Style

• TypeScript strict mode enabled
• ESLint rules enforced (no any types)
• Prettier for formatting
• Conventional commits format

Troubleshooting

Command Not Found (After Global Install)

# Check if installed globally
npm list -g actual-monzo

# Reinstall if needed
npm install -g actual-monzo

# Check npm global bin path is in PATH
npm config get prefix

Browser Doesn't Open (OAuth)

If running in headless environment or browser fails to open:

• The CLI displays a clickable URL
• Copy and paste into browser manually
• OAuth callback still works on localhost

Actual Budget Connection Issues

# Verify server is running
docker ps | grep actual

# Check server is accessible
curl http://localhost:5006

# Verify correct port and URL

OAuth Token Expired

Monzo tokens expire after 6 hours. If you see authentication errors:

• The CLI will auto-refresh tokens (when implemented)
• For now, re-run setup: actual-monzo setup

Config File Issues

# Check config location and permissions
ls -la ~/.actual-monzo/config.yaml

# Should be: -rw------- (600)

# Fix permissions if needed
chmod 600 ~/.actual-monzo/config.yaml

# Start fresh (removes all config and logs)
rm -rf ~/.actual-monzo/
actual-monzo setup

Local Development Config Location

When running locally via node dist/index.js, config is created in current directory for development convenience. For testing global behavior:

# Override config location temporarily
ACTUAL_MONZO_CONFIG_DIR=~/.actual-monzo node dist/index.js setup

Security

• Config file stored in ~/.actual-monzo/ with chmod 600 (owner read/write only)
• Config location isolated from project code (not in git repository)
• OAuth uses CSRF protection (state parameter)
• Localhost-only OAuth callback server
• Tokens stored in plain text (acceptable for read-only banking access)
• Environment variable ACTUAL_MONZO_CONFIG_DIR allows overriding config location for testing

License

MIT

Links

• Monzo API Docs
• Actual Budget
• Feature Specs - Detailed specifications
• GitHub Issues

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Status: Active Development Node Version: >=18.0.0 License: MIT