展示 HN: Stoke Money – 以现金流预测为核心的个人理财应用
Show HN: Stoke Money – Personal finance app built around a cash flow forecast

原始链接: https://stoke.money

Stoke 通过 Plaid 同步大多数美国/加拿大银行;不支持的账户可手动录入。信用卡消费在刷卡时计入支出,还款按到期日预测。Pro 允许通过 MCP 连接你自己的 AI 应用,权限可设为只读或读写,随时可撤销。取消订阅会转为免费版并保留数据,但停止实时同步;删除账户会永久移除所有内容。

Show HN 介绍 Stoke Money,一款以现金流预测而非预算为核心的个人理财应用。创作者发现现有应用(Personal Capital、Monarch、Copilot)与真实现金时间不匹配——信用卡消费立即入账但现金稍后结算——且依赖不适合可变支出的预算。Stoke Money 保留账户、交易和分类,但将每个收入/支出类别基于历史数据向前投影到实际使用的账户,自动建模信用卡还款,并支持定期转账。它预测资金流动,并标记未来 12 个月内可能资金不足的账户。一个值得注意的功能是与 Claude 等 AI 代理的 MCP 集成,用于导入 PDF 账单、分类交易和规划转账。该应用旨在帮助有同样困扰的用户在不使用传统预算的情况下管理现金流。
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原文
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.

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