diff --git a/README.md b/README.md
index 51fa1b7..0da0971 100644
--- a/README.md
+++ b/README.md
@@ -44,6 +44,9 @@ INVESTMENT_PAYEE_NAME="Investment"
 INVESTMENT_CATEGORY_GROUP_NAME="Income"
 # optional, name of the category for added investment tracking transactions
 INVESTMENT_CATEGORY_NAME="Investment"
+
+# optional, for logging into SimpleFIN
+SIMPLEFIN_CREDENTIALS="<credentials - not the setup token!>"
 ```
 
 ## Installation
@@ -215,6 +218,9 @@ You can optionally change the category group used for the transactions by settin
 You can optionally change the category used for the transactions by setting
 `INVESTMENT_CATEGORY_NAME` in the `.env` file.
 
+You can optionally store the SimpleFIN credentials generated from your setup
+token by setting `SIMPLEFIN_CREDENTIALS` in the `.env` file.
+
 To run:
 
 ```console
diff --git a/track-investments.js b/track-investments.js
index 74902ed..07b98fb 100644
--- a/track-investments.js
+++ b/track-investments.js
@@ -6,6 +6,10 @@ require("dotenv").config();
 
 
 const getCredentials = async () => {
+  if (process.env.SIMPLEFIN_CREDENTIALS) {
+    return process.env.SIMPLEFIN_CREDENTIALS;
+  }
+
   const token = readline.question('Enter your SimpleFIN setup token: ');
   const url = atob(token.trim());
 
@@ -19,6 +23,7 @@ const getCredentials = async () => {
 
   const data = `${username}:${pw}`;
   fs.writeFileSync('simplefin.credentials', data);
+  console.log('SimpleFIN credentials:', data);
   return data;
 };