Stoke Money：以现金流预测为核心的个人理财应用上线
Show HN: Stoke Money – Personal finance app built around a cash flow forecast
Stoke Money 是一款以现金流预测为核心的个人理财应用，通过 Plaid 同步银行账户，自动识别周期性收支后按日预测各账户余额，并提供 Free / Plus $5 每月 / Pro $8 每月 三档订阅。Pro 档支持通过 MCP 连接 Claude、ChatGPT 等助手，让其读取预测并完成交易分类或制定计划；银行连接为只读，银行凭证经 AES-256-GCM 加密存储。
原文给出了基于现金流预测的产品形态与 MCP 接入自家数据的方式，读者可对照传统预算类应用判断这种架构的实际差异。
Cash flow forecasting
Spend like you normally do. Stoke finds the recurring transactions in your history, then projects each account forward, day by day, so you know what you can spend without keeping a budget.
Projected ·
Nov 11
$3,450
HistoryFrom your historyProjected
Today
Rent−$1,500
Payday+$2,300
Low point
Rent−$1,500
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 bank in seconds, or hand-enter accounts and transactions yourself. Either way, it feeds the same forecast.
02
Recurring activity is detected
Paychecks, rent, subscriptions, and bills are picked out of your history and grouped. Anything we miss, you categorize once with a rule that runs on future transactions too.
03
Balances, projected day by day
The forecast shows when bills land, what your buffer looks like, and whether rent will clear Friday. Adjust any projected item and the line moves.
Every transaction, one forecast
The ledger and the forecast are the same data, day by day. Cash leaves when the card is paid, not at each swipe.
9:41
Transactions
Today3 transactions−$27.72
Blue Bottle Coffee
Coffee
$5.40
Whole Foods
Groceries
$86.32
Refund — Patagonia
Shopping
+$64.00
Yesterday3 transactions+$3,143.01
Acme — payroll
Income
+$3,200.00
Equinox
Health
$45.00
Spotify
Subscriptions
$11.99
Mon, Oct 123 transactions−$418.84
Shell
Transport
$48.10
Trader Joe's
Groceries
$52.74
Delta Air Lines
Travel
$318.00
See where your money stands today — and where it's headed.
Bring your own AI
Connect Claude, ChatGPT, or another MCP-capable assistant to your Stoke data. Ask what you can afford, then have it categorize transactions or draft a plan.
Illustrative. Requires Pro plan.
Pricing
Hand-entry is on the house. Pay for bank sync, and for AI access if you want it.
Free
$0
No credit card required
- Daily cash flow forecast
- Categories, tags, and rules
- Hand-enter accounts and transactions
- Live bank sync
Plus
$5/mo
Save 28%
billed yearly as
$60
, or
$7
/month
- Everything in Free
- Live bank sync
- Auto-categorization on sync
- Founding price — locked in
Pro
$8/mo
Save 33%
billed yearly as
$96
, or
$12
/month
- Everything in Plus
- Connect Claude, ChatGPT, or any MCP-capable assistant
- Ask about your spending and forecast; let it categorize transactions and draft plans
- Founding price — locked in
Security and privacy
Bank credentials are the most sensitive thing you'll hand an app. Here's how we handle them, and the rest of your data.
Bank sync via Plaid
The same connection Chime and Robinhood use. We never see or store your bank login, and access is read-only — Stoke can't move money.
Encrypted, at rest and in transit
Bank access tokens and account numbers are encrypted with AES-256-GCM before they're stored, and everything travels over TLS. Sign in with a passkey or a one-time email link — there's no password to leak.
No ads, no data resale
We make money 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.
Frequently asked
What if my bank doesn't connect?
Bank sync runs through Plaid, which reaches most US and Canadian banks but not all. Any account it can't reach, you can hand-enter, and it sits in the same forecast as your synced accounts.
Does the forecast include credit card bills?
Yes. A card purchase shows up in your spending the day you swipe. Cash leaves when you pay the card, so the forecast projects each card's payment on its due date, out of the account that pays it.
Do I need my own AI assistant?
Yes. Stoke doesn't include a chatbot. Pro adds an MCP connection 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.
What can the AI do with my data?
It answers questions about your spending, recurring bills, and projected balances. With write access it can also categorize transactions, create rules, and build plans. You pick read-only or read and write when you connect, and can revoke access at any time from Settings.
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 it back on, re-subscribe and reconnect your bank through Plaid.
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.
来源：Hacker News · stoke.money