# Stoke Money

6 Hacker News commenters recommended Stoke Money and 2 criticized it, November 2025 to November 2026. It was recommended in 1 of 13 months.

**Verdict:** Personal finance app built around a cash flow forecast, with plans for upcoming costs like Christmas. Critics question its security practices and whether it can be trusted with data.

## Why people recommend it

- Fills a need people are looking for (2 comments): "Very interesting, and I've been looking for something like this. Kudos for building this." ([source](https://news.ycombinator.com/item?id=50124184)) "these products are deeply needed, but they are gated behind Saas payments" ([source](https://news.ycombinator.com/item?id=50134594))
- Plans and modeling kept together (2 comments): "Thats really well thought out, the plans feature for stuff like Christmas is smart." ([source](https://news.ycombinator.com/item?id=50194581)) "Everything you’ve modeled lives in Stoke, not in one AI assistant's memory." ([source](https://news.ycombinator.com/item?id=50124619))

## What people warn about

- Security and data trust concerns (2 comments): "I wouldn't touch you till you got external validation of your security practices" ([source](https://news.ycombinator.com/item?id=50123424)) "Not sure who I would be trusting with my data." ([source](https://news.ycombinator.com/item?id=50123720))
- Paid SaaS gating of core tools (1 comments): "these products are deeply needed, but they are gated behind Saas payments" ([source](https://news.ycombinator.com/item?id=50134594))

## Alternatives hackers recommend

- [Actual Budget](https://hackerapproved.com/p/actual-budget.md): 29 recommend
- [Monarch Money](https://hackerapproved.com/p/monarch-money.md): 17 recommend
- [YNAB](https://hackerapproved.com/p/ynab.md): 17 recommend
- [Quicken](https://hackerapproved.com/p/quicken.md): 10 recommend
- [Tiller Finance](https://hackerapproved.com/p/tiller.md): 10 recommend

## Cite as

Hacker Approved, "Stoke Money", https://hackerapproved.com/p/stoke-money/ (counts from 1,795,640 Hacker News comments, November 2025 to November 2026).