No more budgeting.
Stoke spots your recurring paychecks and bills on its own and projects your balance forward — so you get a heads up before a big bill lands, and a nudge when you've got room to spare.
How it works
Three steps from sign-up to a forecast that updates with your life.
Connect or enter
Link a bank in seconds, or hand-enter accounts and transactions yourself. Either way, it feeds the same forecast.
Recurring activity surfaces
Paychecks, rent, subscriptions, and bills get detected and grouped. Categorize anything we miss with a rule that runs on future entries too.
You always know what's coming
Daily projected balances tell you when bills land, what your buffer looks like, and whether rent will clear Friday. Tweak any of them to see the what-if.
Inside Stoke
Pricing
Pay for the bank sync. Hand-entry is on the house.
- Hand-enter transactions and accounts
- Categorization rules you define
- Projections from your historical data
- Live bank sync
- Everything in Free
- Live bank sync
- Auto-categorization on sync
- Daily balance refresh
- Founding price — locked in
Built for trust
Your bank credentials are some of the most sensitive things you own. Here's how we handle them.
Bank sync via Plaid
The same connector trusted by Venmo, Wise, and SoFi. We never see or store your bank password.
Encrypted, end to end
Sensitive data is encrypted with AES-256-GCM in the database. Sign-in is passkey-only — no passwords to leak.
Yours, always
No ads, no data resale, no sharing with third parties. Cancel and your data stays put. Delete and it's gone.
Frequently asked
What if my bank doesn't connect?
Bank sync runs through Plaid, which connects most US banks — but not all. Any account Plaid can't reach, you can hand-enter, and it sits in the same forecast as your synced accounts.
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 sync back on, re-subscribe and reconnect your bank through Plaid, and we'll do our best to match it back to your existing accounts.
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.