The personal finance app that forecasts your actual cash flow
You use Personal Capital, Monarch, or Copilot. They tell you your monthly cash flow by summing transactions. But credit cards aren't paid until the following month. So when you've spent $2,000 this month but your card isn't due until next month, you're looking at a false picture of your actual cash available right now.
Most people end up maintaining a separate spreadsheet to track settlement timing, payment dates, and when money actually leaves their account. It's absurd. It should be built in.
Connect your accounts and we automatically model when credit card charges actually settle. No manual date-picking. No approximations.
See your actual cash available on any given date, accounting for every payment cycle, recurring expense, and credit limit.
Stop tweaking budgets that never match reality. Stoke shows you patterns in what you actually spend month to month, then uses those to forecast forward.
You don't get points for sticking to a budget you'll never follow. Stoke is about understanding your real spending patterns and making conscious decisions from them.
Checking, savings, credit cards, loans. See your total liquidity and liabilities across every account you own.
From "will I have cash to pay this Friday" to "can I handle my insurance premium in Q3," get the forecast window you need.
| Aspect | Personal Capital / Monarch / Copilot | Stoke Money |
|---|---|---|
| Cash Flow Model | Transaction net by month | Settlement-aware, day-by-day forecast |
| Credit Card Timing | Shows charge date, not payment impact | Automatically models payment cycle |
| Budget Focus | Set budget, compare actual spend, tweak monthly | Understand patterns, forecast reality |
| Recurring Expenses | Manual entry, easy to miss edge cases | Auto-detected from history, smart defaults |
| Forecast Horizon | Mostly monthly | Daily to quarterly |
| Setup Time | 45+ minutes per account and category | Connect account, done (30 seconds) |
When your paycheck isn't consistent, you need to know your actual cash runway. Stoke shows you exactly when you need to hit your next target.
Multiple credit cards, loan payments, subscription cycles. One app instead of a spreadsheet.
You don't want points or gamification. You want accuracy and control. Stoke gives you both.
Stoke Money
$9/month or $80/year
Unlimited accounts, unlimited forecasts, always accurate settlement modeling
Free for 30 days. No card required.
We connect to your banks via Plaid and read the actual cycle date and payment schedule from each credit card. Then we model forward based on your spending patterns. It's automatic and requires no manual setup.
Your bank connection goes through Plaid, which uses 256-bit encryption and is FDIC/SOC2 compliant. We store encrypted account tokens, not your login credentials. You can revoke access at any time from your bank's app.
Stoke learns over 2-3 months. In the meantime, you can manually adjust forecast inputs, or pin expenses that are actually recurring. We'll auto-detect as patterns become clearer.
Yes. You can generate shareable forecast reports (PDF or Excel) for specific date ranges. No login required to view.
30 days free, full features. After that, $9/month or $80/year. There's no free tier after the trial, but we offer a 7-day money-back guarantee if you're not satisfied.
Plaid supports 10,000+ institutions across the US, UK, EU, Canada, and Australia. If your bank isn't listed, you can manually upload CSV exports for those accounts.
Register interest
This is not a purchase and there is no card field. It puts your address, this product, and whatever you write below in front of a person, and you get a written answer about what finishing it, or handing it over for you to run yourself, would actually take.