Stoke Money
Daily cash flow forecasting for individuals
FinanceFreemium#finance#cash-flow#forecasting
Listed by the ProductPerch team from Hacker News · not launched here yet
What is Stoke Money?
Stoke Money forecasts your bank balance day by day by detecting recurring paychecks, rent, and bills in your transaction history. It projects each account forward so you can see your lowest future balance and when funds will land. The app focuses on forward-looking cash flow rather than traditional budgeting with monthly limits.
Users can hand-enter accounts and transactions for free, or connect US and Canadian banks through Plaid on paid plans. The system automatically groups recurring activity and lets you write categorization rules. Credit card balances are projected based on statement cycles, showing exactly when cash leaves your checking account upon payment. You can also layer hypothetical plans onto the forecast to see how new expenses would affect your future balance.
The Pro tier connects your existing AI assistant, such as Claude or ChatGPT, via the Model Context Protocol. This allows the assistant to read your forecast and, with your permission, categorize transactions or draft financial plans. All data is encrypted in transit and at rest, bank access is strictly read-only, and the service uses passkey authentication.
Stoke Money features
- Daily cash flow projection from transaction history
- Automatic detection of recurring paychecks and bills
- Live bank sync via Plaid for US and Canadian institutions
- Credit card payment forecasting based on due dates
- Plan builder to test financial decisions against current balance
- AI assistant integration through MCP for reading and writing data
- Passkey authentication with no stored passwords
Who uses Stoke Money and for what
- Track upcoming bills and paychecks to avoid overdrafts
- See projected daily balances to identify the lowest cash point
- Test how a new subscription or large purchase affects future funds
- Connect an AI assistant to ask questions about spending patterns
- Forecast credit card payments to ensure checking accounts stay positive
- Replace traditional budgeting apps with a forward-looking cash view
Stoke Money FAQ
Is Stoke Money free?
Yes, the free plan includes daily cash flow forecasting, categorization rules, and manual entry for accounts and transactions. Bank sync and AI features require a paid subscription.
Does Stoke Money work on Mac?
The website does not say. Stoke Money is described as a mobile-responsive web app accessible through any browser.
What is Stoke Money used for?
It is used for daily cash flow forecasting. It projects your bank balance forward by detecting recurring income, bills, and spending in your history, helping you see future low points and payment dates without using traditional budgeting categories.
Is Stoke Money open source?
No, the website does not list a public repository or indicate that the source code is open source.
Can I use Stoke Money with my own AI assistant?
Yes, the Pro plan allows you to connect Claude, ChatGPT, or any other application that supports the Model Context Protocol. You can grant read-only or read-and-write access to let the assistant analyze your forecast or update transactions.
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