Preview. These maps are our reading of public sources and haven't been checked with the projects' maintainers yet.
Scone Money (formerly Stoke Money)
Web personal finance app built around a day-by-day cash flow forecast instead of budgets, with Plaid sync and an MCP connector on Pro.
stoke.moneyActive
Posted to Show HN as Stoke Money on 2026-10-16; by 2026-10-26 stoke.money serves 'Scone Money', and the privacy policy (updated 2026-10-24) says 'Scone Money, formerly Stoke Money'. (checked 2026-10-25)
In Budgeting apps
Where it stands apart
- Is it actively maintained? active, but changed direction (pivot, fork, or rename) (0% of 21 others)
- Which shared standard or format does it mainly build on? Plaid (10% of 20 others)
- What is the main way it helps you budget? safe-to-spend or cash flow forecast instead of a budget (14% of 21 others)
What it shares with most of the community
- How is the main thing licensed? proprietary or closed source (71% of 21 others)
- Who is it for? non-developers (76% of 21 others)
- Does it have built-in AI features, and where does the AI run? no built-in AI (55% of 20 others)
Not documented
The public sources we read don't say:
- Can two or more people (a couple or household) work on the same finances in it?
Nearest neighbors
- YNAB (You Need A Budget) 69% of 16 shared answers match
- Cadence Money 63% of 16 shared answers match
- Monarch Money 60% of 15 shared answers match
Every answer
| Question | Answer | Source |
|---|---|---|
| Is it actively maintained? | stands apart active, but changed direction (pivot, fork, or rename) Renamed from Stoke Money to Scone Money within ten days of its Show HN post. | source 2026-10-26 |
| How is the main thing licensed? | proprietary or closed source | source 2026-10-26 |
| How is it mainly sustained? | individual with revenue (paid app, tier, ads, or donations) Show HN post by one maker; no company named on the site; Plus and Pro paid tiers. Judgment call. | source 2026-10-26 |
| Can it run entirely on your own device or infrastructure, without the maker's servers? | no, it needs the maker's servers Hosted on Vercel and Supabase. | source 2026-10-26 |
| Do you need an account to use it? | account required Passkey or email link sign-in. | source 2026-10-26 |
| Who is it for? | non-developers | source 2026-10-26 |
| Which shared standard or format does it mainly build on? | stands apart Plaid Plaid sync on paid tiers. | source 2026-10-26 |
| How do transactions mainly get in? | automatic bank sync through an aggregator (Plaid, SimpleFIN, Enable Banking, GoCardless) Plaid on paid tiers; hand-entry is free. | source 2026-10-26 |
| Can it sync with your bank automatically, and does that cost more than the app itself? | yes, for an extra cost (a higher tier or a separately paid sync service) Live bank sync on Plus ($5/month) and Pro ($8/month). | source 2026-10-26 |
| What is the main way it helps you budget? | stands apart safe-to-spend or cash flow forecast instead of a budget FAQ: 'There are no envelopes or monthly limits to keep.' | source 2026-10-26 |
| In the default setup, where is your financial data mainly stored? | on the maker's servers (including synced copies) | source 2026-10-26 |
| Does it have built-in AI features, and where does the AI run? | no built-in AI No assistant of its own; Pro lets your own assistant connect. | source 2026-10-26 |
| Can you point your own AI assistant at your data (MCP server, agent skill, or open API)? | yes Pro: connect Claude, ChatGPT or any MCP assistant, read-only or read-write. | source 2026-10-26 |
| How do people pay for it? | free, with an optional paid upgrade or pay-what-you-want Free hand-entry tier; Plus and Pro subscriptions. | source 2026-10-26 |
| Where do you mainly use it? | web browser | source 2026-10-26 |
| Can two or more people (a couple or household) work on the same finances in it? | Not documented Not stated. | source 2026-10-26 |
| Is privacy the headline of how it presents itself? | mentioned, but not the headline Security page details Plaid read-only access and encryption; headline is the forecast. | source 2026-10-26 |
Sources
This page was derived from:
- Web page · stoke.money · read 2026-10-25
- Web page · stoke.money/privacy · collected 2026-10-26
- Web page · stoke.money/security · collected 2026-10-26
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