Credit Karma MCP

A Model Context Protocol server that connects Claude to Credit Karma, giving you natural-language access to your transactions, spending patterns, and account summaries.

[!WARNING] AI-developed project. This codebase was entirely built and is actively maintained by Claude Code. No human has audited the implementation. Review all code and tool permissions before use.

What you can do

Ask Claude things like:

• "Sync my latest transactions"
• "What did I spend on food last month?"
• "Show me my top merchants this year"
• "How much did I spend in March compared to February?"
• "Which accounts have the most activity?"
• "Run a SQL query against my transactions"

Requirements

• Claude Desktop or Claude Code
• Node.js 18 or later
• A Credit Karma account
• Google Chrome — used once for the scripted auth flow (optional; you can copy the cookie manually instead)

Installation

1. Clone and build

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

2. Configure

cp .env.example .env
# See "Authentication" below to get your CK_COOKIES value

3. Add to Claude

Claude Code — add to .mcp.json in your project:

{
  "mcpServers": {
    "creditkarma": {
      "command": "node",
      "args": ["/absolute/path/to/creditkarma-mcp/dist/index.js"]
    }
  }
}

Claude Desktop — edit ~/Library/Application Support/Claude/claude_desktop_config.json (Mac) or %APPDATA%\Claude\claude_desktop_config.json (Windows):

{
  "mcpServers": {
    "creditkarma": {
      "command": "node",
      "args": ["/absolute/path/to/creditkarma-mcp/dist/index.js"],
      "env": {
        "CK_COOKIES": "your-ckat-value-here"
      }
    }
  }
}

4. Restart Claude

Fully quit and relaunch. Then ask: "Sync my Credit Karma transactions".

Authentication

Credit Karma uses short-lived JWTs. This server handles automatic token refresh — you only need to set up credentials once (or when your session expires).

Getting your credentials

Option A — scripted (recommended)

npm run auth               # prints the CKAT value to the console
npm run auth -- .env       # writes CK_COOKIES=<ckat> to .env

Launches Chrome with a dedicated profile at ~/.creditkarma-mcp/chrome-profile, waits for you to sign in at creditkarma.com, then captures the CKAT cookie (the URL-encoded bundle of access + refresh JWTs). Either prints it (for pasting into Claude Desktop / MCPB) or writes it to the env file you pass. Requires Google Chrome installed locally; the script installs puppeteer-core on first run (~1 MB).

Option B — manual (DevTools)

1. Log in to creditkarma.com in Chrome
2. Open DevTools → Application → Cookies → https://www.creditkarma.com
3. Find the CKAT cookie and copy its value

Setting credentials

Either of these works:

• Paste the value from npm run auth (or your CKAT cookie) into CK_COOKIES in your .env or Claude config
• Or call ck_set_session from within Claude with the cookie value — it accepts any of:

Format	Example
Raw CKAT value	eyJraWQ...%3BeyJraWQ...
CKAT=<value>	CKAT=eyJraWQ...%3BeyJraWQ...
Full Cookie header	(what npm run auth prints)

The server automatically extracts both the access token and refresh token from the CKAT cookie, and refreshes the access token as needed.

Session expiry

• Access token: ~15 minutes (auto-refreshed transparently)
• Refresh token: ~8 hours
• When the refresh token expires, re-run npm run auth (or grab the new CKAT cookie from DevTools) and either update CK_COOKIES or call ck_set_session

Available tools

Tool	What it does
ck_set_session	Store credentials from your browser cookies (auto-extracts tokens from CKAT)
ck_sync_transactions	Sync transactions into the local SQLite database
ck_list_transactions	List transactions with filters (date, account, category, merchant, amount)
ck_get_recent_transactions	Fetch the N most recent transactions
ck_get_spending_by_category	Spending totals grouped by category
ck_get_spending_by_merchant	Spending totals grouped by merchant
ck_get_account_summary	Transaction counts and totals by account
ck_query_sql	Run a read-only SQL query against the local database

How it works

Transactions are synced from Credit Karma's GraphQL API into a local SQLite database (default: ~/.creditkarma-mcp/transactions.db). All query tools run against this local database — fast, offline-capable, and queryable with SQL.

Sync strategy: incremental by default (fetches since last sync date with a 30-day overlap for updates). Use force_full: true to re-fetch everything.

Auto-refresh: if the access token has expired, the server automatically refreshes it before syncing. If the refresh token has also expired, it throws an error asking you to re-authenticate.

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)

Configuration

Env var	Description	Default
CK_COOKIES	CKAT value, CKAT=<value>, or full Cookie header	(required)
CK_DB_PATH	Path to SQLite database file	~/.creditkarma-mcp/transactions.db

Troubleshooting

"TOKEN_EXPIRED" — your refresh token has expired. Re-run npm run auth (or grab a new CKAT cookie) and update CK_COOKIES or call ck_set_session.

Sync returns 0 transactions — check that your CK_COOKIES value is fresh. CKAT cookies expire after ~8 hours.

Tools not appearing — fully quit and relaunch Claude Desktop. In Claude Code, run /mcp to check server status.

"No such file or directory: dist/transaction.graphql" — run npm run build (not just tsc).

Security

• Credentials are stored only in your local .env file (gitignored) or Claude config
• The server never logs credentials
• Only SELECT queries are permitted via ck_query_sql — no writes to Credit Karma

Development

npm test            # run the test suite
npm run build       # compile TypeScript → dist/
npm run test:watch  # watch mode

Project structure

src/
  client.ts             Credit Karma GraphQL client with auto-refresh
  index.ts              MCP server entry point
  db.ts                 SQLite schema and upsert helpers
  transaction.graphql   GraphQL query for transactions
  tools/
    auth.ts             ck_set_session
    sync.ts             ck_sync_transactions
    query.ts            ck_list_transactions, ck_get_recent_transactions, etc.
    sql.ts              ck_query_sql
tests/
  client.test.ts
  db.test.ts
  tools/
    auth.test.ts
    sync.test.ts
    query.test.ts
    sql.test.ts

License

MIT