See your balance before it happens.
Stoke finds the paychecks, rent, and bills in your history, then projects every account forward, day by day. You see your lowest balance and the day it lands.
Your forecast keeps itself current.
Every new transaction updates it. Nothing to reconcile.
Mobile
web app
No setup. Your bills and paychecks are already there.
Your recurring transactions are picked out of your history and grouped. Customize any of them when something changes.
- PaycheckEvery other Friday+$4,600Fri, Oct 30
- RentMonthly on the 1st−$1,850Sun, Nov 1
- Car insuranceMonthly−$148Mon, Nov 2
- UtilitiesEvery 3 months−$96Mon, Nov 16
- GroceriesNo fixed schedule−$610Spread weekly
Cash leaves when the card is paid.
Each card's balance is projected from the expected spending on it. Your cash flow projection only moves when the credit card is paid, not when it's swiped.
See how a big decision changes your forecast.
Add a new monthly bill or a one-off purchase to a plan and the forecast redraws with it. Your real accounts stay untouched.
Ask your AI assistant about your finances.
On Pro, connect Claude, ChatGPT, or another assistant that supports MCP. It reads your forecast and, with your permission, categorizes transactions and drafts plans.
Pricing
Hand-entry is on the house. Pay for bank sync, and for AI access if you want it.
- Daily cash flow forecast
- Categories, tags, and rules
- Hand-enter accounts and transactions
- Live bank sync
- Everything in Free
- Live bank sync
- Auto-categorization on sync
- Founding price — locked in
- Everything in Plus
- Connect Claude, ChatGPT, or any MCP-capable assistant
- Ask about your spending and forecast; let it categorize transactions and draft plans
- Founding price — locked in
Cancel anytime before day 30 and you won't be charged.
Read-only, encrypted, never sold.
Security details- Bank sync through Plaid
- Stoke never sees your bank login, and access is read-only. It can't move money.
- Encrypted at rest and in transit
- Bank tokens and account numbers are encrypted with AES-256-GCM before storage. Everything travels over TLS.
- No password to leak
- Sign in with a passkey or a one-time email link.
- No ads, no data resale
- Subscriptions pay for Stoke. Delete your account and the data is gone for good.
Frequently asked
How is this different from a budgeting app?
There are no envelopes or monthly limits to keep. Stoke projects what your balance will be on each future day from the paychecks, bills, and spending already in your history.
What if my bank doesn't connect?
Bank sync runs through Plaid, which reaches most US and Canadian banks but not all. Any account it can't reach, you can hand-enter, and it sits in the same forecast as your synced accounts.
Can I import my history from a CSV?
Yes. You can import transactions and balance history from a CSV file. Most finance apps can export one.
Does the forecast include credit card bills?
Yes. A card purchase shows up in your spending the day you swipe. Cash leaves when you pay the card, so the forecast projects each card's payment on its due date, out of the account that pays it.
Do I need my own AI assistant?
Yes. Stoke doesn't include a chatbot. Pro adds an MCP connection from an AI app you already use — Claude, ChatGPT, or another that supports MCP — to your Stoke data, so it can read your forecast and act on it.
What can the AI do with my data?
It answers questions about your spending, recurring bills, and projected balances. With write access it can also categorize transactions, create rules, and build plans. You pick read-only or read and write when you connect, and can revoke access at any time from Settings.
How is my data secured?
Bank access is read-only through Plaid, so Stoke never sees your bank login and can't move money. Your data is encrypted in transit and at rest on Vercel and Supabase, which both hold SOC 2 Type 2 reports. Stoke itself hasn't been independently audited yet.
Do you sell my data?
No. Your data is never sold or shared with advertisers, and Stoke shows no ads. The subscription is how it's paid for.
How are payments handled?
Subscriptions run through Stripe. Your card details go straight to Stripe, so Stoke never sees or stores them.
Can I cancel the free trial?
Yes. Cancel anytime before the 30 days are up and you won't be charged. You keep access until the trial ends.
What happens if I cancel?
You're moved to the free plan. Your accounts, transactions, and forecast all stay — only live bank sync stops. To turn it back on, re-subscribe and reconnect your bank through Plaid.
What if I delete my account?
Everything goes — accounts, transactions, the forecast, and any linked bank connections. Deletion is final; we don't keep a copy.
Try it with your own accounts.
Cancel anytime before day 30 and you won't be charged.