New to FIRE? Read the guide

Know when work becomes optional.
Down to the date.

Connect your accounts. Stoke finds the day you can walk away, and shows you how to get there sooner.

Join today to lock in 50% off your first year.

Projected freedom date

August 2036

Freedom Number
Investable assets

Wealth today

$300,000

Target

$1,500,000

Planning estimate

Progress

20.0%

To go

$1,200,000

Withdrawal rate 4.0%

Age 40 · 2031
$710,000
✦ Coast FI Achieved

Investable assets only. Your home can’t fund withdrawals, so it isn’t in this line.

What you get

Your date, and everything that moves it.

A real FIRE dashboard

Your freedom date, net worth, savings rate, and progress to your FI number. Live from every account you own.

Freedom dateAugust 2036

Automatic categorization

AI names your merchants, spots transfers between your own accounts, and catches every recurring bill. No rules to write.

Recurring costAmount
GEICO Auto Insurance$142.10
Xfinity Internet$85.00
Spotify Premium$11.99

Scenarios before you commit

Move your savings, spending, withdrawal rate, or retirement age. Watch the date move with it. Coast and Barista FI included.

BaselineAug 2036
Save $500 moreMar 2034

Will the money last?

Run your retirement year by year against historic S&P returns, with Guyton-Klinger guardrails on every withdrawal.

30 yearsHistoric S&P
Ends with$2.1M

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.

See all Stoke planning tools

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 without the data
  • Show you last month, never the years it cost
  • 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.

  • A date, computed for you, read in seconds
  • Merchants, transfers, and recurring costs handled for you
  • Every assumption visible next to the date
  • Only assets that fund withdrawals. Your home is disclosed, never projected

What you actually do

Connect once. Then mostly nothing.

01

Connect once

Link your banks, cards, and brokerages. That is the last setup task.

02

Stoke keeps the date current

Your accounts sync. Stoke recomputes the date. You don’t open anything to make it happen.

03

You make one call

No transaction queue. Check the date. If something moved it, Stoke says what.

Security & Trust

Read-only by design. Credentials never touch Stoke.

Stoke connects through Plaid and SnapTrade. You sign in at your bank, not with us. Stoke reads your data 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

Basic is free forever for data you bring yourself. Pro keeps your accounts connected and your date current. Join the waitlist to lock in your first-year price.

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Stoke Basic

For data you bring yourself.

$0/ forever
Experience Stoke's dashboards.
  • Import your own transactions (CSV)
  • Your freedom date and trajectory
  • Investable-assets projection, home excluded
  • Forever data retention
  • Automated bank sync not included
WAITLIST OFFER: 50% OFF FIRST YEAR

Stoke Pro

Your date, kept current.

$7--/ month
  • Automated bank, card, and brokerage sync
  • Your freedom date, recomputed as accounts sync
  • Merchants, transfers, and recurring costs handled automatically
  • Forever data retention
Join the Waitlist ➔

FAQ

Common questions