Show HN: Stoke Money – Personal finance app built around a cash flow forecast

Stoke Money is a personal-finance app built around a daily cash-flow forecast that promises “no more budgeting.” It links to bank accounts or accepts hand-entered accounts and transactions, automatically detects recurring activity like paychecks, rent, subscriptions and bills, and projects balances day by day so you can see buffers and upcoming low points. The ledger and forecast use the same underlying data, and card purchases appear as spending when made while cash actually leaves the forecast when the card is paid; users can adjust projected items and create rules for future categorization.

The service offers a free plan with daily forecasts and hand-entry, a Plus tier that adds auto-categorization and live bank sync, and a Pro tier that lets users connect their own MCP-capable AI (Claude, ChatGPT, etc.) for read or read/write access to categorize transactions and draft plans. Bank sync uses Plaid, credentials aren’t stored, and data is encrypted in transit and at rest (AES-256-GCM, TLS). Stoke emphasizes no ads or data resale, retains data when subscriptions lapse (live sync stops), and provides a 30-day free trial; account deletion permanently removes all data.