Stoke Money

Stoke Money is a personal cash flow forecasting app that shows how account balances are likely to change day by day. It looks for paychecks, rent, bills, and other recurring activity in transaction history, then projects each account forward. The result is less about assigning spending limits and more about answering practical timing questions. A user can see the lowest expected balance, the date that low point arrives, and whether upcoming obligations fit before the next paycheck. Every new transaction updates the forecast, so the view is intended to stay current without a monthly reconciliation ritual.

Getting started can be manual or connected. Stoke identifies recurring transactions from account history and groups them, while still letting the user customize an item when its amount or schedule changes. Regular income and fixed bills can be placed on their actual cadence, and variable categories such as groceries can be spread across time. People who don't want bank sync can hand-enter accounts and transactions on the free plan. Plus adds live bank connections through Plaid and automatic categorization when transactions sync. If a bank isn't supported, a manually entered account can sit in the same forecast as connected ones.

Credit cards receive more careful treatment than a simple spending total. A card purchase appears in spending when it happens, but Stoke projects the cash leaving a checking account when the card bill is due. It estimates the payment from expected card activity and assigns that payment to the account that pays it. This distinction can make the forward balance more useful for people who charge most purchases and pay later. It also helps avoid counting the same economic activity as an immediate cash withdrawal and then again as a future card payment. The forecast is still a projection, but it mirrors when money is expected to move between real accounts.

Plans let a user model a decision without changing live accounts. They can add a one-time purchase or a new monthly bill, then watch the forecast redraw around that scenario. This makes Stoke useful for questions such as whether a trip fits in December, what leasing a car would do to the next few months, or how far a large purchase pushes the lowest balance down. The site emphasizes that these plans are separate from real account data. Users can compare the effect before committing, rather than relying on a static monthly budget that doesn't show the particular day cash becomes tight.

The Pro plan adds an MCP connection for an AI assistant the user already has, including ChatGPT, Claude, or another compatible client. Stoke itself doesn't bundle a chatbot. Once connected, an assistant can answer questions about spending, recurring bills, forecasts, and projected balances. With permission, it can also categorize transactions, create rules, and draft plans. The connection can be read-only or read and write, and it can be revoked in settings. That setup will suit someone who wants conversational access to a cash forecast, but it also means Pro users need a separate AI application and should consider that provider's own data policy.

Security details are published with helpful specificity. Bank connections happen in Plaid's window, so Stoke says it never sees or stores bank credentials. Bank access is read-only and can't move money. The service uses passwordless sign-in through passkeys or one-time email links, TLS for data in transit, database encryption at rest, and an additional AES-256-GCM layer for bank tokens and account numbers. It runs on Vercel and Supabase in the United States. Those providers maintain outside certifications, but Stoke clearly notes that the app itself hasn't had an independent audit. It also says there are no ads or data sales, and deleting an account permanently removes its data.

Stoke has a genuine free plan for daily forecasting, categories, tags, rules, and manual accounts and transactions. Plus costs $5 per month when billed yearly at $60, or $7 month to month, and includes live bank sync. Pro costs $8 per month billed yearly at $96, or $12 month to month, and adds the AI connection. Both paid tiers have a 30 day trial, and cancellation returns the account to the free plan while preserving transactions and forecasts. This structure makes it approachable for someone willing to enter data manually, while charging for the convenience of bank automation and assistant access. Its main boundaries are equally clear. Plaid coverage is centered on US and Canadian banks, the service stores data in the United States, and its core model is cash flow forecasting rather than envelope budgeting or investment analysis.