name: creditkarma-mcp
description: Access Credit Karma transaction data via MCP. Use when the user asks about their Credit Karma transactions, spending by category or merchant, account summaries, or wants to sync or query their financial data. Triggers on phrases like "sync my transactions", "what did I spend on", "show my Credit Karma data", "spending by category", "top merchants", or any request involving personal finance data from Credit Karma. Requires creditkarma-mcp installed and the creditkarma server registered (see Setup below).

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. cksetsession 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 / cksetsession 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.