Spend akin you normally do. Stoke finds the recurring transactions in your history, afterward projects all document forward, day by day, so you cognize what you can expend without keeping a budget.
HistoryFrom your historyProjected
Connect once. The forecast builds itself.
Three steps from sign-up to a forecast that updates as you spend.
01
Connect or enter
Link a financial institution in seconds, or hand-enter accounts and transactions yourself. Either way, it feeds the identical forecast.
02
Recurring action is detected
Paychecks, rent, subscriptions, and bills are picked out of your former and grouped. Anything we miss, you categorize formerly alongside a regulation that runs on forthcoming transactions too.
03
Balances, projected day by day
The forecast shows whenever bills land, what your buffer looks like, and whether rent volition apparent Friday. Adjust any projected item and the row moves.
Every transaction, one forecast
The ledger and the forecast are the identical data, day by day. Cash leaves whenever the cardstock is paid, not at all swipe.
9:41
Transactions
Today3 transactions−$27.72
Refund — Patagonia
Shopping
+$64.00
Yesterday3 transactions+$3,143.01
Mon, Oct 123 transactions−$418.84
See anywhere your prosperity stands today — and anywhere it's headed.
Bring your own AI
Connect Claude, ChatGPT, or another MCP-capable aide to your Stoke data. Ask what you can afford, afterward have it categorize transactions or outline a plan.
Illustrative. Requires Pro plan.
Pricing
Hand-entry is on the house. Pay for financial institution sync, and for AI admission if you desire it.
Free
$0
No credit cardstock required
- Daily prosperity stream forecast
- Categories, tags, and rules
- Hand-enter accounts and transactions
- Live financial institution sync
Plus
billed annual as
$60
, or
$7
/month
- Everything in Free
- Live financial institution sync
- Auto-categorization on sync
- Founding cost — locked in
billed annual as
$96
, or
$12
/month
- Everything in Plus
- Connect Claude, ChatGPT, or any MCP-capable assistant
- Ask concerning your spending and forecast; let it categorize transactions and outline plans
- Founding cost — locked in
Security and privacy
Bank credentials are the most delicate item you'll hand an app. Here's how we grip them, and the remainder of your data.
Bank sync via Plaid
The identical association Chime and Robinhood use. We never see or shop your financial institution login, and admission is read-only — Stoke can't move money.
Encrypted, at remainder and in transit
Bank admission tokens and document numbers are encrypted alongside AES-256-GCM before they're stored, and everything travels complete TLS. Sign in alongside a passkey or a one-time email nexus — there's no password to leak.
No ads, no data resale
We create prosperity from subscriptions, not from your data — it's never sold or used for advertising. Cancel and your data stays put. Delete and it's gone for good.
Bank sync runs through Plaid, which reaches most US and Canadian banks but not all. Any document it can't reach, you can hand-enter, and it sits in the identical forecast as your synced accounts.
Does the forecast contain credit cardstock bills?Yes. A cardstock acquisition shows up in your spending the day you swipe. Cash leaves whenever you pay the card, so the forecast projects all card's fee on its due date, out of the document that pays it.
Do I need my own AI assistant?Yes. Stoke doesn't contain a chatbot. Pro adds an MCP association from an AI app you already use — Claude, ChatGPT, or another that supports MCP — to your Stoke data, so it can peruse your forecast and act on it.
What can the AI do alongside my data?It answers questions concerning your spending, recurring bills, and projected balances. With compose admission it can additionally categorize transactions, create rules, and build plans. You choice read-only or peruse and compose whenever you connect, and can revoke admission at any period from Settings.
What happens if I cancel?You're moved to the liberated plan. Your accounts, transactions, and forecast all remain — lone live financial institution sync stops. To rotate it rear on, re-subscribe and reconnect your financial institution through Plaid.
What if I delete my account?Everything goes — accounts, transactions, the forecast, and any connected financial institution connections. Deletion is final; we don't keep a copy.
