Every month, one answer:
are you actually closer to free?
Stoke closes each month from your connected accounts and tells you what moved your financial independence date. Seconds to read, nothing to categorize, and every screen agrees.
Time to Freedom
Projected FI Date: August 2036
Projected from investable assets only. Your home isn’t in this line — it can’t fund withdrawals.
Why the answer holds
Fast to read. Nothing to maintain. True next month too.
Your position in seconds
Open Stoke and the month is already closed. Spend, contributions, and your FI date are computed and waiting. No import, no reconcile, no evening lost.
You categorize nothing
Stoke recognizes merchants across months, spots transfers between your own accounts, and finds recurring costs on its own. There is no review queue waiting for you.
One number, every screen
The figure on your home screen is the figure in your plan and the figure in your close. Stoke computes each month’s headline figures once, so two pages cannot disagree.
Unprovable numbers stay blank
Every figure is labeled trusted, estimated, or unavailable. When a bank hasn’t reported, Stoke shows a range or nothing at all — never a confident zero — and names exactly what would fix it.
Free tools
Run the numbers before you sign up
Four free FIRE calculators, no account required. Each one runs in your browser and explains its own math — from whether your assets already support retirement spending to when you can stop contributing, to how much you can convert to a Roth in a bridge year.
Can I FIRE Yet? Calculator
Counts only FIRE-ready assets, models your cash bridge, and shows the gap to a 3.5%, 4%, or 5% target.
Open the toolCoast FIRE Calculator
The balance that compounds into your full FI number with no further contributions — plus your coast number at every age.
Open the toolCouples FI Planner
Two partners, two retirement dates, shared and personal expenses, and a pension that lowers your target.
Open the toolRoth Conversion & Capital Gains Headroom Planner
Bridge-year MAGI guardrails, ordinary bracket room, and how much 0% capital gains room is left.
Open the tool
Why Stoke is different
Other apps show you everything.
Stoke shows you what’s true.
What people settle for
Budgeting apps
- Ask you to categorize forever
- Fill every tile, even when the data can’t support it
- Track months, never close one
- Count your house as if it funds retirement
Or they build their own
Spreadsheets
- Exactly your logic
- Every formula visible
- Breaks the month you get busy
- Only as current as your last export
The answer
Stoke
One question, answered from your accounts, kept current for you.
- A closed month, computed for you, readable in seconds
- Merchants, transfers, and recurring costs handled without your input
- One set of figures the whole app agrees on
- Only assets that can actually fund withdrawals — your home is disclosed, never projected
The monthly close
One month. One answer. One decision.
Connect once
Link your banks, cards, and brokerages. Stoke pulls balances and transactions and keeps them current. That is the last setup task you have.
Stoke closes the month
After the month ends and payments settle, Stoke computes what you spent, what you added to invested assets, and where your investable base landed — and marks how much of each it can prove.
You make one call
Not a queue of transactions. One decision: keep the plan, or act on the one thing that actually moved your date.
Security & Trust
Read-only by design. Credentials never touch Stoke.
Stoke connects through Plaid, Teller, and SnapTrade. You authenticate with your bank, not with us. Stoke receives read-only data, never sees or stores your login, and cannot move money.
Credentials stay with your bank
- You sign in at your institution
- Stoke never receives or stores bank credentials
- Connections are read-only
Encrypted end to end
- Data encrypted in transit and at rest
- Workspace isolation enforced in the database, not the app layer
- Access to sensitive data is scoped
Never sold, ever
- Your financial data is never sold or shared for advertising
- Stoke's revenue is subscriptions, not data
- Your data leaves when you do
Pricing
Simple, transparent pricing
Stoke Basic is a permanent free tier for data you bring yourself. Stoke Pro keeps your accounts connected and your monthly answer current without you touching it. Join the waitlist to lock in your first-year price.
Stoke Basic
For data you bring yourself.
- Import your own transactions (CSV)
- Monthly close on imported data
- FI projection from investable assets
- Forever data retention
- Automated bank sync not included
Stoke Pro
Your answer, kept current.
- Automated bank, card, and brokerage sync
- Monthly close, computed for you
- Merchants, transfers, and recurring costs handled automatically
- Forever data retention
FAQ
Common questions