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Creditkarma Mcp

chrischall/creditkarma-mcp

Connects Claude to your Credit Karma account via the MCP protocol, letting you query transactions, spending patterns, and account summaries in natural language. Uses Credit Karma's internal API endpoints to pull transaction data into a local SQLite database, then exposes tools for filtering by date, category, merchant, or amount. Authentication runs through browser cookies extracted via the fetchproxy extension or manual DevTools copy, with automatic JWT refresh handling. Built entirely by Claude Code without human audit, so review permissions before running. Useful when you want to ask spending questions without clicking through Credit Karma's web interface or need to run custom SQL against your transaction history.

GitHub stars: 1
tools: 10
auth: Secret needed
transport: STDIO
env vars: 10
last updated: Nov 4, 2026

Tools

10 tools

Public tool metadata for what this MCP can expose to an agent.

ck_set_sessionStore credentials from your browser Cookie header (auto-extracts JWTs from the CKAT cookie)

Store credentials from your browser Cookie header (auto-extracts JWTs from the CKAT cookie)

No parameter schema in public metadata yet.

ck_forget_sessionDelete the saved-session file and clear in-memory credentials (local only; synced transactions are kept)

Delete the saved-session file and clear in-memory credentials (local only; synced transactions are kept)

No parameter schema in public metadata yet.

ck_sync_transactionsSync transactions into the local SQLite database, then refresh account balances

Sync transactions into the local SQLite database, then refresh account balances

No parameter schema in public metadata yet.

ck_get_account_balancesBalance of every account: institution, type, last 4, current balance, available credit and credit limit (cards), as-of time and a `stale` flag. `refresh: true` fetches live first; `include_matched: true` also lists credit-report rows that duplicate a linked account

Balance of every account: institution, type, last 4, current balance, available credit and credit limit (cards), as-of time and a `stale` flag. `refresh: true` fetches live first; `include_matched: true` also lists credit-report rows that duplicate a linked account

No parameter schema in public metadata yet.

ck_list_transactionsList transactions with filters (date, account, category, merchant, amount); `view: "brief"` for one line per transaction

List transactions with filters (date, account, category, merchant, amount); `view: "brief"` for one line per transaction

No parameter schema in public metadata yet.

ck_get_recent_transactionsFetch the N most recent transactions

Fetch the N most recent transactions

No parameter schema in public metadata yet.

ck_get_spending_by_categorySpending totals grouped by category

Spending totals grouped by category

No parameter schema in public metadata yet.

ck_get_spending_by_merchantSpending totals grouped by merchant

Spending totals grouped by merchant

No parameter schema in public metadata yet.

ck_get_account_summaryTransaction counts and totals by account

Transaction counts and totals by account

No parameter schema in public metadata yet.

ck_query_sqlRun a read-only SQL query against the local database (returns at most `max_rows` rows, default 500 / max 5000, with `truncated: true` when there were more)

Run a read-only SQL query against the local database (returns at most `max_rows` rows, default 500 / max 5000, with `truncated: true` when there were more)

No parameter schema in public metadata yet.

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Configuration

CK_COOKIESsecret

Optional. The full Cookie header from a signed-in creditkarma.com request. Leave unset to use the browser fallback — install ContextMint Bridge (https://github.com/nullnet-app/contextmint-bridge/releases), sign into creditkarma.com, and the MCP reads cookies automatically. Otherw

CK_DISABLE_FETCHPROXY

Set to 1 to skip the ContextMint Bridge browser-extension fallback (missing creds become a hard error — useful in headless CI).

CK_DEBUG

Set to 1 to trace auth to stderr: credential source, cookie names, token issue/expiry times, and the token-refresh exchange. Never logs token or cookie values.

CK_DB_PATH

Path to SQLite database file (default ~/.creditkarma-mcp/transactions.db).

CK_SESSION_PATH

Saved-session file that ck_set_session and token refreshes write (default ~/.creditkarma-mcp/session).

CK_CREDIT_BUREAU

Credit report used for card and loan balances: transunion or equifax (default transunion).

CK_SYNC_MAX_PAGES

Pages one ck_sync_transactions call may fetch before pausing. Unset (or unparseable) = unbounded, which is what a local stdio server wants. Set it on a hosted deployment, where the call has to answer inside the client's request timeout.

FETCHPROXY_WS_PORT

Localhost port of the fetchproxy concentrator the ContextMint Bridge extension connects to (default 37149). Every MCP on one machine shares it, so move it for all of them or not at all.

FETCHPROXY_WS_HOST

Bind interface for the fetchproxy concentrator, a literal IP only (default 127.0.0.1). Keep on loopback; it exists for hosted deployments that run each MCP in its own network namespace.

FETCHPROXY_IDENTITY_DIR

Absolute path where the fetchproxy long-term identity keypair is stored (default ~/.fetchproxy/identity/).

Readme

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?"
"What are my account balances?"
"Run a SQL query against my transactions"

Requirements

View the full README on GitHub

Details

Repository: github.com/chrischall/creditkarma-mcp
Package: creditkarma-mcp
Transport: STDIO
Auth: Required
Registry: MCP registry, active