| What it does | Find forgotten subscriptions before they charge you again
| Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
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| Stage | Startup
| Startup
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| Founded | Not given
| 2026
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| Based in | US
| US
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| Pricing model | Freemium
| Freemium
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| Pricing | Free plan includes manual subscription tracking, renewal and trial reminders, 10 free statement scans (each covering up to 12 monthly PDF statements or a CSV export), and 10 on-device scans on iPhone and Android. Guard paid plan: $4.99/month or $2.99/month billed yearly at $35.88/year.
| Free Forever: $0 always free includes local-first ledger, budgeting, tracking, tax vault, statement imports, and all exports. Misto's Premium: $49 one-time payment unlocks read-only bank sync, instant alerts, AI budget coach, daily notes, household sharing, and all future features.
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| Key features | - Gmail subscription discovery with read-only access to find receipts, trials, and renewal notices from the last 12 months
- Statement import and scanning for recurring charge detection
- Renewal and trial-end reminders before charges occur
- Unified dashboard showing all subscriptions, active count, monthly and yearly totals
- Monthly and yearly spending overview
- On-device statement scanning on iPhone and Android
- Price change, cancellation, and failed payment alerts
- Audit history of subscription changes while Guard is active
| - Read-only bank sync with no third-party aggregator
- Statement importer supporting CSV, PDF, OFX, QFX, QIF formats
- Zero-based envelope budgeting with goals tracking
- Daily AI insights called Misto's notes (Premium)
- Tax vault with deductible spending detection
- Multi-currency support and 16 languages
- AES-256 encryption with zero-knowledge architecture
- Household sharing with contributor roles and settle-up ledger
- Instant transaction alerts for Premium members
- Works fully offline without internet connection
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| What makes it different | - No bank login required—never shares banking credentials or connects to bank accounts
- Privacy-first design with no automatic scanning or transaction feed monitoring
- You remain in control—Frobly never cancels subscriptions or touches your accounts
- Free plan forever with manual tracking and renewal reminders at no cost
- Gmail integration with read-only access and no automatic imports—you review everything first
| - Complete data privacy with local-first architecture where your ledger never leaves your device
- Zero-knowledge encryption so even Misto cannot read your financial data
- Built and supported by founder John Sherman personally with direct customer support
- No ads, no data brokers, and no third-party trackers
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 18 ● no change since last check | 4 ● no change since last check |
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| Trust Flow (Majestic) | 10 | 6 |
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| Citation Flow (Majestic) | 38 | 28 |
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| Referring domains (Majestic) | 350 | 34 |
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Frobly
Misto's Financial