Stoke Money is a personal finance app built around a cash flow forecast, addressing gaps in existing tools like Personal Capital, Monarch, and Copilot. Unlike traditional apps that treat cash flow as net monthly transactions, Stoke models actual cash movement, accounting for credit card payments arriving the following month. The app eliminates budgeting by projecting income and spending categories forward based on historical patterns, placing each transaction in the historically used account.
Credit card payments are automatically modeled, and users can set up recurring transfers. The result is a 12-month forecast showing when accounts might run low. A key differentiator is the MCP integration, allowing connection to AI agents like Claude or ChatGPT.
Users can ask AI to import transactions from PDF statements, categorize vacation spending, or plan transfers. The app offers a free tier with hand-entry and daily forecasts, while bank sync and AI access require the Pro plan ($60/year or $7/month).
Source: Hacker News · Summarized by HeadlinesBriefing