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。

Stoke Money 是一款新的个人理财应用,专注于现金流预测而非月度预算。它将收入和支出类别预测到它们历史落账的账户中,模拟信用卡支付和转账,并在账户可能余额不足时发出警告。创建者表示 MCP 集成可让 AI 代理导入账单、分类交易并规划转账。Hacker News 评论者提出了信任与安全担忧,指出其尚无 SOC 2 认证,且尚未注册商业实体。其他人将其与 GNUCash 比较,质疑延迟信用卡扣款是否重要,并讨论了与 ChatGPT/Plaid 和 Meta 的 Muse 的竞争。一些人建议面向消费者营销而非 HN 导向建议。创建者承认了安全/有限责任公司方面缺口,并提到与 Stoke Space 的名称冲突。总体而言,该应用面向希望获得前瞻性的资金流动预测和 AI 辅助理财流程的用户。
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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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