| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Free AI astrology chat with Kundli, numerology and tarot readings
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| Stage | Startup
| Startup
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| Founded | 2026
| 2024
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| Based in | US
| IN
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| Pricing model | Freemium
| Freemium
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| Pricing | 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.
| Free: birth chart, Kundli matching by name and date, daily chat allowance. Paid plans from Rs 199 per month: unlimited chat, deeper KP and Varshaphal analysis, downloadable PDF reports.
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| Key features | - 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
| - AI astrologer chat with reasoning from planets, houses and Dasha
- Free Vedic birth chart with planets, houses, yogas, doshas and remedies
- Kundli matching by name and date of birth
- 36 Guna Ashtakoot Milan marriage matching with doshas and remedies
- KP astrology predictions with house significators and event timing
- Numerology with Lo Shu grid, birth numbers and lucky mobile numbers
- Personalized tarot reading linked to your birth chart
- Multi-divisional chart analysis with Navamsa and Saptamsa
- Vimshottari Dasha timing down to Pratyantardasha
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| What makes it different | - 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
| - Answers read from your own chart, not generic daily sun-sign horoscopes
- Shows the reasoning: which planet, house and Dasha each answer comes from
- Accurate birth time conversion from any country and old daylight-saving rules
- Free Kundli matching without exact birth times
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| Community votes | 0 | 0 |
| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 2 ● no change since last check |
| Trust Flow (Majestic) | 6 | 3 |
| Citation Flow (Majestic) | 28 | 27 |
| Referring domains (Majestic) | 34 | 25 |