Karchu
Back to documentation

MCP server

Karchu's MCP server lets an AI agent read a signed-in workspace: transactions, duplicates, recurring charges, insights, forecasts and reports.

Last updated 2026-09-11

Endpoint

https://karchu.com/mcp

Streamable HTTP, OAuth 2.1 with dynamic client registration. Add it in any MCP client that supports remote servers, sign in with your Karchu account and approve the connection.

Tools

  • list_organizations. Workspaces the signed-in account belongs to.
  • list_transactions. Transactions for a workspace, newest first.
  • search_transactions. Filter by date range, amount range, keyword or category.
  • get_transaction. One transaction with its source statement.
  • financial_summary. Money in, money out, net flow and top categories for a range.
  • list_documents. Uploaded statements and their processing status.
  • list_categories. Categories in the workspace.
  • detect_duplicates. Duplicate candidates scored on date, amount, merchant, description and account.
  • list_recurring. Repeating charges with cadence, next expected date, monthly equivalent, annual cost and price increases.
  • get_insights. Computed insights: category movements, unusual amounts, vendor increases, concentration.
  • cash_flow_forecast. 30, 60 and 90 day estimates from the workspace's own history.
  • generate_report_summary. Executive, category, merchant, cash flow, transaction, recurring, project or tax report summary.

What agents cannot do

  • Upload or process a document. That happens in the app, on your own account
  • Create, edit or delete transactions, rules, categories or documents
  • Reach a workspace the signed-in account does not belong to
  • Receive figures that were not computed from stored rows

The product page for this is AI integrations. Reference data is also available without sign-in through the public API.

Questions

What can an agent do through the MCP server?
Read only work. It can list and search transactions, summarise spending, find duplicate candidates, list recurring charges, get insights, forecast cash flow and summarise reports. It cannot upload, edit or delete anything.
How does authorization work?
The agent connects through OAuth and acts as the signed-in Karchu user. It sees only workspaces that account belongs to, and an explicit workspace id is checked against those memberships before any read.
Are calls limited?
Yes. Fair use limits apply per account, and every call is written to the workspace's activity log with the tool name, a trimmed argument summary, row count and duration.