Stoke Money – Personal finance app built around a cash flow forecast

Launch summary

Hi HN, I've been through many finance tracking apps, starting with Personal Capital, then Monarch, and most recently Copilot. None of them have worked perfectly for my needs. All of these apps tend to model “cash flow” as the net sum of your transactions during a month, yet while credit card charges are reported immediately, they are typically deducted from checking (cash) accounts the following month when the bill is due. As a result, I've always had to maintain a separate spreadsheet to track my actual cash flow. These apps also have a huge focus on managing budgets, which has never been for me. My spending is rarely consistent month-to-month, so every month I'm comparing my fully justified spending against my budget, and tweaking my budget until I “pass”. So I built yet another finance tracking app. It has the usual components - accounts, transactions, categories - but the core is a cash flow projection engine, and everything else is built around it. Budgets are gone. Instead, each

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