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TypeScript SDK for the Cobalt API","maintainers":[{"name":"sriketk","email":"sriketk5@gmail.com"}],"readme":"# @cobalt-money/sdk\n\nOfficial TypeScript SDK for the [Cobalt API](https://api.cobaltpf.com). Works in\nNode, Bun, Deno, Cloudflare Workers, and the browser.\n\n- Typed end-to-end from the live OpenAPI spec.\n- Methods return `{ data, error }` — no thrown exceptions on HTTP errors.\n- Resource payloads are flat (no `data` envelope).\n- Async iterator helpers for paginated endpoints.\n\n## Install\n\n```bash\nbun add @cobalt-money/sdk\n# or: npm install @cobalt-money/sdk\n# or: pnpm add @cobalt-money/sdk\n```\n\n## Quick start\n\n```ts\nimport { cobalt } from \"@cobalt-money/sdk\";\n\ncobalt.setConfig({\n  auth: process.env.COBALT_API_KEY!,\n});\n\nconst { data, error } = await cobalt.accounts.list();\nif (error) throw error;\nfor (const account of data) {\n  console.log(account.id, account.balance, account.type);\n}\n```\n\nIssue API keys from the Cobalt dashboard: **Settings → API keys**. Keys are\nprefixed `ck_live_`. Treat them as secrets — do not commit to source or ship\nin client-side bundles. See [Browser usage](#browser-usage) for the proxy\npattern.\n\n> **Do not pass** `baseUrl: \"https://api.cobaltpf.com\"` — it overrides the\n> built-in `/v1` suffix and every call 404s. The default is correct.\n\n## Auth\n\nPass the API key as a string or a callback. Callbacks run per request, so\nthey're suitable for refreshable tokens.\n\n```ts\n// String\ncobalt.setConfig({ auth: process.env.COBALT_API_KEY! });\n\n// Sync callback (per-request)\ncobalt.setConfig({ auth: () => process.env.COBALT_API_KEY! });\n\n// Async callback (e.g. read from a keystore)\ncobalt.setConfig({\n  auth: async () => {\n    const { value } = await keychain.get(\"cobalt\");\n    return value;\n  },\n});\n```\n\nThe value is sent as `Authorization: Bearer <key>`.\n\n## Response shape\n\nEvery method returns `{ data, error }`. `data` is the typed payload; `error`\nis set only when the request fails. The SDK does **not** throw on HTTP\nerrors — branch on `error` explicitly.\n\n```ts\nconst { data, error } = await cobalt.accounts.get({ path: { id: \"acc_...\" } });\nif (error) {\n  if (\"code\" in error && error.code === \"account_not_found\") {\n    // 404 path\n  } else {\n    throw error; // network failure or other 5xx\n  }\n}\n// `data` is typed `Account` here\n```\n\nPayloads are flat. There is no inner `data` wrapper.\n\n```ts\n// GET /v1/accounts            → Account[]\n// GET /v1/accounts/{id}       → Account\n// POST /v1/accounts           → Account\n// GET /v1/transactions        → { items: Transaction[], hasMore, nextCursor }\n// POST /v1/transactions       → Transaction\n// GET /v1/positions           → Position[]\n// GET /v1/activities          → Activity[]\n// GET /v1/balances/snapshots  → BalanceSnapshot[]\n// GET /v1/portfolio/snapshots → PortfolioSnapshot[]\n// GET /v1/recurring           → RecurringStream[]\n// GET /v1/categories          → { categories: Category[], groups: CategoryGroup[] }\n// GET /v1/spending            → SpendingItem\n// GET /v1/tags                → Tag[]\n```\n\n## Sign conventions\n\nTwo gotchas worth memorizing:\n\n- **`Account.balance`** is signed. Liability accounts (`type: \"credit_card\"`\n  or `\"loan\"`) return **negative** balances. Net worth is the unweighted sum:\n  ```ts\n  const netWorth = accounts.reduce((sum, a) => sum + (a.balance ?? 0), 0);\n  ```\n- **`Transaction.amount`** is signed but **inverted vs Plaid / Mint**.\n  Positive = money out (spending / debit). Negative = money in (refund /\n  credit / income). Filter spending with `amount > 0`, income with `amount < 0`.\n\n## Pagination\n\n`/v1/transactions` is the only paginated endpoint. The SDK ships two helpers\non top of the cursor field.\n\n### `iterate` — async iterator\n\n```ts\nimport { iterate, cobalt } from \"@cobalt-money/sdk\";\n\nfor await (const txn of iterate(cobalt.transactions.list, {\n  query: { startDate: \"2026-01-01\", limit: 200 },\n})) {\n  // process one transaction at a time, streams across pages\n}\n```\n\n### `listAll` — collect into one array\n\n```ts\nimport { listAll, cobalt } from \"@cobalt-money/sdk\";\n\nconst all = await listAll(cobalt.transactions.list, {\n  query: { startDate: \"2026-01-01\", endDate: \"2026-05-22\" },\n});\n```\n\nBoth helpers throw on the first `error` they encounter — consumer code does\nnot need to branch on the discriminator.\n\n## Writing data\n\nManual accounts, manual transactions, tags, and categories support writes\nwith an API key.\n\n```ts\n// Create a manual credit card with $750 owed.\nconst { data: card, error } = await cobalt.accounts.create({\n  body: {\n    type: \"credit_card\",\n    subtype: \"credit card\",\n    name: \"Apple Card\",\n    currentBalance: -750, // signed: liabilities negative\n    currency: \"USD\",\n  },\n});\nif (error) throw error;\n\n// Add a manual transaction (positive = spending).\nawait cobalt.transactions.create({\n  body: {\n    accountId: card.id,\n    amount: 24.5,\n    date: \"2026-05-22\",\n    name: \"Coffee\",\n    merchantName: \"Blue Bottle\",\n  },\n});\n```\n\n## Browser usage\n\nThe SDK runs in the browser, but **the API key is a server-side secret**.\nDo not embed `ck_live_*` keys in client bundles, mobile apps, or any client\nyou do not control. Proxy through your own backend.\n\n```ts\n// app/api/cobalt/[...path]/route.ts (Next.js)\nexport async function GET(req: Request) {\n  const url = new URL(req.url);\n  const upstream =\n    `https://api.cobaltpf.com/v1` +\n    url.pathname.replace(/^\\/api\\/cobalt/, \"\") +\n    url.search;\n  return fetch(upstream, {\n    headers: { Authorization: `Bearer ${process.env.COBALT_API_KEY!}` },\n  });\n}\n```\n\nPoint the browser SDK at the proxy:\n\n```ts\ncobalt.setConfig({ baseUrl: \"/api/cobalt\" });\n```\n\n## Recipes\n\n### Net worth\n\n```ts\nconst { data: accounts } = await cobalt.accounts.list();\nconst netWorth =\n  accounts?.reduce((sum, a) => sum + (a.balance ?? 0), 0) ?? 0;\n```\n\n### Net-worth timeline (balances + portfolio snapshots)\n\n`balances.snapshots` covers checking / savings / credit. `portfolio.snapshots`\ncovers brokerage. Liability balance snapshots are already signed-negative\nupstream, so a flat sum is correct.\n\n```ts\nconst [{ data: balances }, { data: portfolio }] = await Promise.all([\n  cobalt.balances.snapshots({\n    query: { startDate: \"2026-01-01\", endDate: \"2026-05-22\" },\n  }),\n  cobalt.portfolio.snapshots({\n    query: { startDate: \"2026-01-01\", endDate: \"2026-05-22\" },\n  }),\n]);\n\nconst byDate = new Map<string, number>();\nfor (const r of balances ?? []) {\n  byDate.set(r.date, (byDate.get(r.date) ?? 0) + r.currentBalance);\n}\nfor (const r of portfolio ?? []) {\n  byDate.set(r.date, (byDate.get(r.date) ?? 0) + r.value);\n}\n```\n\n### Spending — last 6 months\n\n```ts\nconst { data } = await cobalt.spending.get({\n  query: { period: \"6m\", accountType: \"all\" },\n});\nconsole.log(data.totalSpending, data.averageSpending, data.averageLabel);\nfor (const bucket of data.buckets) console.log(bucket.date, bucket.amount);\n```\n\n### Tag a transaction\n\n```ts\nconst { data: tag } = await cobalt.tags.create({\n  body: { name: \"reimbursable\", color: \"amber\" },\n});\nawait cobalt.transactions.updateTags({\n  path: { transactionId: \"txn_...\" },\n  body: { tagIds: [tag.id] },\n});\n```\n\n## Errors\n\n`error` is `{ code, error: message }` for documented failures\n(`not_found`, validation, etc.) and a thrown fetch failure otherwise.\n\n```ts\nconst { data, error } = await cobalt.accounts.get({\n  path: { id: \"acc_missing\" },\n});\nif (error) {\n  if (\"code\" in error && error.code === \"account_not_found\") return null;\n  throw error;\n}\n```\n\nThe full set of error codes is documented per-endpoint in the\n[API reference](https://docs.cobaltpf.com/docs/api-reference).\n\n## Reference\n\n- [API reference](https://docs.cobaltpf.com/docs/api-reference)\n- [SDK guide](https://docs.cobaltpf.com/docs/sdk)\n- [OpenAPI spec](https://api.cobaltpf.com/v1/openapi.json)\n\n## License\n\nMIT\n","readmeFilename":"README.md"}