creditkarma-mcp

MCP server for Credit Karma — syncs transactions into a local SQLite database and provides natural-language querying tools.

• npm: npmjs.com/package/creditkarma-mcp
• Source: github.com/chrischall/creditkarma-mcp

Setup

Option A — npx (recommended)

Add to .mcp.json in your project or ~/.claude/mcp.json:

{
  "mcpServers": {
    "creditkarma": {
      "command": "npx",
      "args": ["-y", "creditkarma-mcp"],
      "env": {
        "CK_COOKIES": "CKTRKID=...; CKAT=eyJ...%3BeyJ...; ..."
      }
    }
  }
}

Option B — from source

git clone https://github.com/chrischall/creditkarma-mcp
cd creditkarma-mcp
npm install && npm run build

Then add to .mcp.json:

{
  "mcpServers": {
    "creditkarma": {
      "command": "node",
      "args": ["/path/to/creditkarma-mcp/dist/index.js"],
      "env": {
        "CK_COOKIES": "CKTRKID=...; CKAT=eyJ...%3BeyJ...; ..."
      }
    }
  }
}

Or use a .env file in the project directory with CK_COOKIES=<value>.

Getting CK_COOKIES (optional)

Three onboarding paths, in priority order:

1. fetchproxy extension (easiest — no env vars): Install the fetchproxy 0.3.0 extension, sign into creditkarma.com once, and leave CK_COOKIES unset. The MCP reads HttpOnly CKAT + CKTRKID cookies on the first tool call via chrome.cookies.get, then operates direct-to-API from Node.

2. ck_set_session MCP tool: From within Claude, call ck_set_session with a Cookie header you copied from DevTools (see below). The tool persists it to .env.

3. Manual (DevTools):

1. Log in to creditkarma.com in Chrome
2. DevTools → Network → any creditkarma.com request → Request Headers
3. Right-click the cookie header → Copy value
4. Paste into CK_COOKIES in your Claude config

Authentication

The MCP handles auth automatically once any of the three paths is configured.

• Access token: ~15 min TTL, auto-refreshed transparently
• Refresh token: ~8 hours TTL
• When expired:
  • fetchproxy path: sign back into creditkarma.com — the MCP reads fresh cookies on the next tool call
  • env-var / ck_set_session path: grab a fresh Cookie header from DevTools and update CK_COOKIES (or call ck_set_session again)

Tools

Auth

| Tool | Description | |------|-------------| | ck_set_session(cookies) | Store credentials — paste the full Cookie header from a signed-in creditkarma.com request |

Sync

| Tool | Description | |------|-------------| | ck_sync_transactions(force_full?) | Sync transactions to local SQLite. Incremental by default (since last sync − 30 days). force_full=true re-fetches everything. |

Query

| Tool | Description | |------|-------------| | ck_list_transactions(start_date?, end_date?, account?, category?, merchant?, status?, min_amount?, max_amount?, limit?, offset?) | Filtered, paginated transaction list | | ck_get_recent_transactions(limit?) | N most recent transactions (default 20) | | ck_get_spending_by_category(start_date?, end_date?) | Spending totals grouped by category | | ck_get_spending_by_merchant(start_date?, end_date?, limit?) | Spending totals grouped by merchant | | ck_get_account_summary | Transaction counts and totals per account | | ck_query_sql(sql) | Read-only SQL query against the local database (SELECT only) |

Workflows

First-time setup:

1. Easiest: install the fetchproxy extension, sign into creditkarma.com, leave CK_COOKIES unset.
2. Or: copy the Cookie header from DevTools and either set CK_COOKIES in your config or call ck_set_session(cookies) from within Claude.
3. ck_sync_transactions → initial full sync

Regular use:

• ck_sync_transactions → pull latest transactions
• Then query with any of the query tools

Spending analysis:

ck_sync_transactions
ck_get_spending_by_category(start_date: "2026-01-01", end_date: "2026-03-31")
ck_get_spending_by_merchant(start_date: "2026-01-01", limit: 10)

Custom analysis with SQL:

-- Monthly spending totals
SELECT strftime('%Y-%m', date) AS month, SUM(ABS(amount)) AS total
FROM transactions WHERE amount < 0
GROUP BY month ORDER BY month DESC

-- Spending by category this year
SELECT c.name, SUM(ABS(t.amount)) AS total
FROM transactions t JOIN categories c ON t.category_id = c.id
WHERE t.date >= '2026-01-01' AND t.amount < 0
GROUP BY c.name ORDER BY total DESC

Database schema

transactions (id, date, description, status, amount, account_id, category_id, merchant_id, raw_json)
accounts     (id, name, type, provider_name, display)
categories   (id, name, type)
merchants    (id, name)
sync_state   (key, value)

Notes

• All query tools run against the local SQLite database — sync first
• Amounts: negative = expense/debit, positive = credit/income
• ck_query_sql only allows SELECT — no writes to Credit Karma data
• Sync saves a resume cursor — interrupted syncs can be resumed automatically
• accounts.id is a synthesized stable key in the form <provider>|<last4> (e.g. Citi|2630, Ally|7133) because CK's API returns empty account.id strings. The same card under two provider-name spellings shows as two rows.