Stoke Money vs PocketSmith
PocketSmith is the only app here that does what Stoke does: project your actual account balances forward, day by day. It's the direct alternative, and it's been at it for years — with what-if scenarios, global bank coverage, an official API, and forecast horizons that stretch to 60 years on its top tier.
The difference is how the forecast gets built. PocketSmith's projection is driven by budgets and calendar events you set up and maintain; Stoke's is inferred from your transaction history — recurring streams, transfers, and credit-card statement cycles are detected rather than configured. PocketSmith forecasts decades ahead and syncs banks worldwide; Stoke forecasts up to a year ahead, syncs US banks, and aims to need close to zero upkeep.
Side by side
| Stoke Money | PocketSmith | |
|---|---|---|
| Price | $9/mo or $60/yr | Foundation $14.95/mo (~$120/yr billed annually); Flourish ~$200/yr; Fortune ~$320/yr |
| Free option | YesManual entry, no bank sync | YesManual import, 2 accounts, 6-month projection |
| Balance forecasting | YesDaily balance forecast for every account, up to a year ahead | YesDaily balances; horizon by tier — 6 months free, 10 years Foundation, 30 Flourish, 60 Fortune |
| How the forecast is built | Inferred from transaction history | Driven by budgets and calendar events you maintain |
| Recurring detection | YesDetected automatically from your transaction history | Calendar/budget-event based — you configure it |
| Credit-card payment forecasting | YesStatement balance, minimum, or fixed — on the due date | Via calendar events you configure |
| What-if planning | YesPlans layered onto the forecast | YesScenarios |
| Budgeting | No | YesCalendar-based budgets |
| Bank sync | Plaid (US banks) | Yodlee, Salt Edge, and Akahu — banks worldwide. Foundation: 6 connections from one country; Flourish: 18 from any country; Fortune: unlimited |
| Multi-currency | YesAccounts in any currency; automatic conversion coming soon | YesFull multi-currency; bank feeds from multiple countries need Flourish or Fortune |
| Investments | NoBalances only | NoBalance-level tracking |
| Household sharing | No | YesCollaborators |
| Mobile apps | NoResponsive web app | YesiOS and Android |
| Export / API | No | YesOfficial public API and data export |
Comparison last verified June 2026. PocketSmith's pricing and features change — check their site for current details. Spot an inaccuracy? Tell us at feedback@stoke.money and we'll fix it.
Where PocketSmith is better
- Forecast horizons up to 60 years — Stoke goes out one year
- Bank coverage worldwide across three aggregators (feeds from multiple countries need Flourish or up)
- What-if scenarios
- Official public API, data export, native mobile apps, and a free tier
Where Stoke is better
- Costs $60/yr — half of PocketSmith's cheapest bank-syncing tier
- The forecast builds itself from your history instead of a calendar you maintain
- Credit-card payments forecast from detected statement cycles
- No budgets, calendars, or tiers to manage
Which should you pick?
Pick PocketSmith if you want to model decades ahead, bank outside the US, or like driving the forecast from a calendar you control. It's the deeper tool.
Pick Stoke if a one-year horizon is enough and you'd rather skip the calendar upkeep. It costs about half as much as PocketSmith's cheapest syncing tier.