Stoke Money Launches Personal Finance App Built Around Cash Flow Forecasting

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A developer has released Stoke Money, a personal finance app that replaces traditional budgeting with a cash flow projection engine. The creator said existing apps misrepresent cash flow by recording credit card charges in the month they occur rather than when they are paid from checking accounts. Stoke instead projects each income and spending category forward from historical activity, assigning it to the account typically used and modeling credit card payments automatically. Users can also set up recurring transfers between accounts, such as for savings, and see in advance when an account may run low. The app includes an MCP integration that lets users connect it to AI agents like Claude for tasks such as importing statements and planning transfers.

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