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Stoke Money vs PocketSmith

PocketSmith is a forecasting-first personal finance app: it projects your account balances day by day, with scenarios, worldwide bank coverage, and an official API.

PocketSmith forecasts from a calendar of budgets and events you set up and keep current. Stoke builds the same day-by-day forecast from your transaction history, detecting paychecks, bills, transfers, and card statement cycles on its own. Connect a bank and the forecast is there, and it stays current as you spend.

Side by side

 Stoke MoneyPocketSmith
Price
From $9/moFrom $60/yr
From $119.88/yr
Free option
YesManual entry only
Yes2 accounts, 6-month horizon
Balance forecasting
Yes
YesUp to 60 years
Recurring detection
Yes
NoManual setup of recurring events
True cash flow forecasting
YesCash flow modeled on credit card and loan payments, not charges
NoManual setup of recurring payments
Budgeting
NoBy design. Spending forecasted instead.
Yes
Bank sync
  • Yes: Plaid
US and Canada
  • Yes: Yodlee
  • Yes: Salt Edge
  • Yes: Akahu
Worldwide
Multi-currency
  • Yes: Accounts in any currency
  • No: Conversion to one currency
  • Yes: Accounts in any currency
  • Yes: Conversion to one currency
Investments
  • Yes: Balances
  • No: Holdings
  • No: Performance
  • Yes: Balances
  • No: Holdings
  • No: Performance
Household sharing
No
Yes
Mobile apps
No
YesiOS and Android
AI agent
YesMCP, read and write. Pro only.
YesMCP, read and write
Export / API
  • No: Export as CSV
  • No: API
  • Yes: Download via AI agent (MCP)
Pro only
  • Yes: Export as CSV
  • Yes: API
  • Yes: Download via AI agent (MCP)

Verified September 2026. Corrections: feedback@stoke.money

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