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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

Scripted (recommended — source install):

npm run auth               # prints the Cookie header to the console
npm run auth -- .env       # writes CK_COOKIES=<header> to .env

Launches Chrome with a dedicated profile, waits for sign-in at creditkarma.com, then captures the full session Cookie header (CKAT carries the access + refresh JWTs; CKTRKID and friends are needed by the refresh endpoint). Use the printed value with Claude Desktop / MCPB, or the .env form when running from source.

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

Authentication

Call ck_set_session with your Cookie header to store credentials and enable auto-refresh.

• Access token: ~15 min TTL, auto-refreshed transparently
• Refresh token: ~8 hours TTL
• When expired: re-run npm run auth (or grab a fresh Cookie header) and call ck_set_session

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. Run npm run auth (or grab the Cookie header manually from a creditkarma.com request in DevTools)
2. Paste into CK_COOKIES env var, 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