Monni
Shows what you can safely spend once bills and paydays are counted
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Stoke Money
See your balance day by day ahead, with card bills landing when they are due
If your checking account keeps surprising you because card payments land a month late, this shows the dip before it happens instead of after.
Stoke Money projects each of your accounts forward one day at a time. It finds paychecks, rent, subscriptions and bills in your history, puts each in the account it usually hits, and schedules credit card payments on their due dates, so you see what you can safely spend without keeping a budget. Enter data by hand for free, or pay $5 a month for Plaid sync in the US and Canada. The $8 Pro plan lets Claude or ChatGPT read and categorise over MCP. A one-person project; no security audit yet.
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