No more budgeting.
Just spend like you normally do. Stoke tracks your income and bills and shows you what's ahead — room to spare when you've got it, a heads up when you don't.
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
Every transaction feeds a forecast that runs day by day.
See where your money stands today — and where it's headed.
Ask anything
Connect Claude, ChatGPT, or any AI assistant to your live Stoke data. Ask what you can afford, then let it categorize, plan, and update your forecast for you.
Pricing
Pay for the bank sync. Hand-entry is on the house.
- Cash flow forecasting and projections
- 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 your AI assistant via MCP — Claude, ChatGPT, and more
- Ask your assistant anything about your spending — and have it categorize transactions and keep your forecast accurate
- 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 Chime and Robinhood. We never see or store your bank password, and access is read-only.
Encrypted, at rest and in transit
Sensitive data is encrypted in transit and with AES-256-GCM at rest. Sign in with a passkey or a one-time email link — no password 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.
Do I need my own AI assistant?
Yes — Stoke doesn't include a chatbot. What the Pro plan adds is the connection: an MCP link 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. The assistant is yours; Pro is the secure bridge to your finances.
What can the AI do with my data?
You can choose the level of access when you connect. With read access, your assistant can answer questions about your spending history and forecasted balances. With write access, it can help you categorize transactions, set up rules, and plan for the future.