diff --git a/src/monarch_mcp_custom/server.py b/src/monarch_mcp_custom/server.py
index 5948461..9bd0f9d 100644
--- a/src/monarch_mcp_custom/server.py
+++ b/src/monarch_mcp_custom/server.py
@@ -112,19 +112,53 @@ async def get_budgets(reason: Optional[str] = None) -> str:
     client = await get_authenticated_client()
     budgets = await client.get_budgets()
 
+    # Build a category lookup from categoryGroups
+    category_lookup = {}
+    for group in budgets.get("categoryGroups", []):
+        for cat in group.get("categories", []):
+            category_lookup[cat.get("id")] = {
+                "name": cat.get("name"),
+                "group": group.get("name"),
+                "variability": cat.get("budgetVariability"),
+            }
+
+    # Process monthly amounts by category
     budget_list = []
-    for b in budgets.get("budgets", []):
-        budget_list.append(
+    for item in budgets.get("budgetData", {}).get("monthlyAmountsByCategory", []):
+        cat_id = (item.get("category") or {}).get("id")
+        cat_info = category_lookup.get(cat_id, {})
+
+        for monthly in item.get("monthlyAmounts", []):
+            budget_list.append(
+                {
+                    "month": monthly.get("month"),
+                    "category": cat_info.get("name"),
+                    "group": cat_info.get("group"),
+                    "planned": monthly.get("plannedCashFlowAmount"),
+                    "actual": monthly.get("actualAmount"),
+                    "remaining": monthly.get("remainingAmount"),
+                    "rollover": monthly.get("previousMonthRolloverAmount"),
+                }
+            )
+
+    # Also include monthly totals summary
+    totals = []
+    for total in budgets.get("budgetData", {}).get("totalsByMonth", []):
+        totals.append(
             {
-                "name": b.get("name"),
-                "amount": b.get("amount"),
-                "spent": b.get("spent"),
-                "remaining": b.get("remaining"),
-                "category": (b.get("category") or {}).get("name"),
+                "month": total.get("month"),
+                "income_planned": (total.get("totalIncome") or {}).get("plannedAmount"),
+                "income_actual": (total.get("totalIncome") or {}).get("actualAmount"),
+                "expenses_planned": (total.get("totalExpenses") or {}).get(
+                    "plannedAmount"
+                ),
+                "expenses_actual": (total.get("totalExpenses") or {}).get(
+                    "actualAmount"
+                ),
             }
         )
 
-    return serialize_json(budget_list)
+    return serialize_json({"budgets": budget_list, "totals": totals})
 
 
 def validate_account_id(account_id: str) -> int: