About net.kokofinance/koko-finance
net.kokofinance/koko-finance is an MCP server published by KokoFinance in the Search category: aI credit card advisor - search cards, compare portfolios, and optimize rewards.
The repository has 1 stars and 0 forks, with the last commit 17 days ago. Recent commit activity is the strongest signal that reported issues will get attention.
Install
git clone https://github.com/KokoFinance/koko-mcp-serverThis server has no ConduID identity, so agent calls to it are not receipted. Pin the version you install and review the source before granting it credentials.
Tools (14)
calculate_card_valueAnnual fee break-even analysis with first-year and ongoing value
Parameters not published.
check_card_renewalShould you renew this card? Verdict + downgrade/replacement options. Optional: `benefit_selections`, `acquired_date`, `credit_tier`, `primary_goal`, `renewal_cancel_threshold`, `renewal_keep_threshold`
Parameters not published.
check_merchant_benefitsCheck if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation
Parameters not published.
compare_cardsSide-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even. Optional: `credit_tier`, `primary_goal`, `issuer_preferences` (<100ms)
Parameters not published.
create_mcp_sessionSession tracking for multi-query conversations
Parameters not published.
get_card_benefitsAll credits/benefits for a card with value, frequency, schedule, and conditions
Parameters not published.
get_card_changesAudit log of card data changes (fee updates, benefit changes) with date filtering. Optional: `field` filter
Parameters not published.
get_card_detailsFull details for a specific card (fees, rewards, benefits)
Parameters not published.
get_card_termsSchumer Box data — purchase APR, penalty APR, late fees, cash advance fees, promotional APR, grace period
Parameters not published.
get_program_trendsPoints program valuation history — CPP and transfer partner ratio changes over time
Parameters not published.
Show all 14 tools
optimize_portfolioPortfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Optional: `point_balances`, `benefit_selections`, `credit_tier`, `primary_goal`, `issuer_preferences`, `analysis_type`, `cancel_threshold`, `keep_threshold` (<100ms)
Parameters not published.
recommend_card_for_categoryBest card to use for a specific spending category, ranked by reward value. Optional: `spending`, `credit_tier`, `primary_goal`, `issuer_preferences` (<100ms)
Parameters not published.
search_credit_cardsNatural language search across 100+ US credit cards. Optional filters: `card_type`, `issuer`, `max_annual_fee`, `credit_tier`
Parameters not published.
which_card_at_merchantBest card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value
Parameters not published.
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README
KoKo Finance MCP Server
A hosted MCP server for AI-powered credit card advice. Search 100+ US credit cards, compare options side by side, analyze portfolio health, and get personalized recommendations — all through the Model Context Protocol.
Server URL: https://kokofinance.net/mcp/
No API key required. No local installation needed. Just connect your MCP client.
Quick Setup
Claude Desktop
Add to ~/Library/Application Support/Claude/claude_desktop_config.json (macOS) or %APPDATA%\Claude\claude_desktop_config.json (Windows):
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}
Claude Code
claude mcp add koko-finance --transport http https://kokofinance.net/mcp/
Or copy the .mcp.json from this repo into your project.
Cursor
Go to Settings > MCP and add a new server:
- Name: koko-finance
- Type: HTTP
- URL:
https://kokofinance.net/mcp/
Cline / Windsurf
Add to your MCP settings file:
{
"mcpServers": {
"koko-finance": {
"type": "http",
"url": "https://kokofinance.net/mcp/"
}
}
}
Tools (11)
| Tool | Description |
|---|---|
search_credit_cards |
Natural language search across 100+ US credit cards |
compare_cards |
Side-by-side comparison of 2-3 cards with fees, rewards, net value, and break-even (<100ms) |
get_card_details |
Full details for a specific card (fees, rewards, benefits) |
calculate_card_value |
Annual fee break-even analysis with first-year and ongoing value |
optimize_portfolio |
Portfolio health score, per-card KEEP/OPTIMIZE/CANCEL verdicts. Accepts optional point_balances and benefit_selections (<100ms) |
recommend_card_for_category |
Best card to use for a specific spending category, ranked by reward value (<100ms) |
check_card_renewal |
Should you renew this card? Verdict + downgrade/replacement options. Accepts optional benefit_selections |
create_mcp_session |
Session tracking for multi-query conversations |
which_card_at_merchant |
Best card from your portfolio at a specific merchant. Auto-detects spending category (e.g. Starbucks → dining) and ranks by reward value |
check_merchant_benefits |
Check if any cards have credits at a merchant (e.g. Saks → Amex Platinum $100 credit). Includes earning recommendation |
get_card_benefits |
All credits/benefits for a card with value, frequency, schedule, and conditions |
Prompts (4)
Pre-built conversation starters that guide the AI through structured workflows:
| Prompt | Description | Parameters |
|---|---|---|
portfolio-review |
Full portfolio analysis with health score and verdicts | card_names, monthly_spending (optional) |
which-card |
Find the best card for a specific purchase | card_names, category, amount (optional) |
new-card-finder |
Search for a new card matching your criteria | spending_focus, annual_fee_limit (optional), credit_score (optional) |
renewal-check |
Walk through a card renewal decision step by step | card_name, annual_fee (optional) |
Benefit Selections
The optimize_portfolio and check_card_renewal tools accept a benefit_selections parameter — a list of individual benefit keys the user actually uses. Selected benefits count at 100% utilization; unselected benefits count at 0%.
benefit_selections: ["uber", "airline_fee", "dining", "admirals_club"]
This gives accurate net-value calculations instead of the default 50% utilization estimate.
Discover valid keys by calling the REST endpoint GET https://kokofinance.net/api/v1/benefit-categories (no auth required), or see the developer docs.
Example Conversations
"Review my portfolio"
I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Analyze my portfolio and tell me which cards are worth keeping.
"Which card should I use?"
I'm buying $200 in groceries. I have an Amex Gold, Chase Freedom Unlimited, and Citi Custom Cash. Which card should I use?
"Find me a new card"
I spend a lot on travel and dining. I want a card under $300 annual fee with a good sign-up bonus. What do you recommend?
"Should I renew my Amex Platinum?"
I only use the Uber credit and airline fee credit on my Amex Platinum. Is it still worth paying the $695 annual fee?
"Which card at Starbucks?"
I'm buying coffee at Starbucks. I have a Chase Sapphire Reserve, Amex Gold, and Citi Double Cash. Which card earns the most?
"Do I have any credits at Saks?"
I'm shopping at Saks Fifth Avenue. Do any of my cards have credits there? I have an Amex Platinum and Chase Sapphire Reserve.
"What benefits does my Amex Platinum have?"
Show me all the credits and benefits on my Amex Platinum card — how much is each worth?
Links
- KoKo Finance — Main site
- Developer Documentation — Full API and tool reference
- MCP Endpoint — Direct server URL
Also Available
- Claude Code Plugin — Adds the MCP server connection plus an Agent Skill that teaches Claude structured credit card workflows
License
MIT
README copy captured when this server was indexed; it may lag the repository. The original is authoritative.