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.