Stoke Money
Stoke Money is an AI-powered Finance tool — Personal finance app that accurately forecasts cash flow by aligning credit card charges with actual cash availability. Best for: Finance. Pricing: Freemium (GateOnAI Score: 60/100).
Personal finance app that accurately forecasts cash flow by aligning credit card charges with actual cash availability
Stoke Money is a mobile‑responsive web app that forecasts your daily cash flow by analyzing paychecks, rent, bills and spending history. It projects each account forward day by day, showing the lowest balance and when it occurs, and updates automatically with every new transaction, so no manual reconciliation is needed. Recurring transactions are identified from your history, grouped and can be customized, while hand‑entry is available for accounts that Plaid cannot sync. The free plan offers read‑only, encrypted forecasts; the paid Pro plan adds bank sync via Plaid, AI assistant connections (Claude, ChatGPT or any MCP‑compatible tool) that can read your forecast, answer spending questions, and, with permission, categorize transactions and draft plans. Subscriptions run through Stripe, can be cancelled within 30 days for a full refund, and data is never sold or shown to advertisers.
Summary written from Stoke Money's own website on 22 Oct 2026. Check the vendor's website for current details.
How to evaluate Stoke Money before you buy
What GateOnAI has on record
- Pricing model: Free plan and paid plans
- GDPR: The provider's page linked here refers to the GDPR (checked automatically) (source)
- EU data hosting: Not recorded on GateOnAI - ask the vendor
- Website check: Online at our check on 3 Nov 2026
Questions to ask the vendor
- Will you sign a GDPR data processing agreement (Article 28) and share your list of sub-processors?
- Where is our data stored and processed, and is it used to train your models?
- What does the free plan include, and what does the plan we need cost per user?
- Can we export all our data, and how is it deleted when we cancel?
- (Finance) Does the tool assess the creditworthiness of individuals or set a credit score? If so, how is it tested for bias and accuracy?
- (Finance) Can every automated output be explained and reviewed by a person before a decision is made?
EU AI Act
AI used to evaluate the creditworthiness of individuals or to set their credit score (except for detecting fraud), or for risk assessment and pricing in life and health insurance, is listed as high-risk in Annex III of the EU AI Act. If you plan to use Stoke Money for any of these, ask the provider how it classifies the tool and what documentation it gives to deployers. This is general information, not legal advice.
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May Connect With
Tools whose input/output tags match those of Stoke Money (the tags are assigned automatically and the connections are not tested):
- Monzo AI - AI digital bank with spending analytics
- Ramp Finance - AI corporate cards and expense automation
- Tipalti - AI global payment automation and AP management
- Cleo AI - AI financial assistant and money management chatbot
- Invoiced - AI accounts receivable platform