Store a Credit Karma session to enable automatic token refresh. Pass the full Cookie header from a signed-in creditkarma.com request (Chrome DevTools → Network → any creditkarma.com request → Request Headers → right-click the cookie header → Copy value). For most users the easier onboarding path is to install the fetchproxy extension and sign into creditkarma.com — the MCP reads the cookies automatically.

Sync Credit Karma transactions into the local SQLite database. Incremental by default (fetches since last sync + 30-day overlap for updates). If no valid token, initiates the login/MFA flow automatically.

List transactions with optional filters. Paginated.

Return the N most recent transactions. Convenience shortcut for ck_list_transactions.

Group debit transactions by category and return totals.

Return top merchants by total debit spend.

Return per-account debit, credit, and net totals.

Execute a raw SQL SELECT query (CTEs via WITH ... SELECT are supported) against the transactions database. Non-SELECT statements (INSERT, UPDATE, DELETE, DROP, etc.) are rejected. Tables: transactions, accounts, categories, merchants, sync_state.