| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Take control of your financial future
|
|---|
| Stage | Startup
| MVP
|
|---|
| Founded | 2026
| Not given
|
|---|
| Based in | US
| Not given
|
|---|
| Pricing model | Freemium
| Free
|
|---|
| 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.
| Not given
|
|---|
| 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
| - Income and expense tracking with category organization
- Monthly budget planning and multi-year history comparison
- Financial dashboard with income, spending, and forecast
- Spending analytics to explore trends and compare periods
- Scheduled transactions for recurring income and payments
- Transaction templates for quick recording
- Transaction calendar browsing by day
- Savings goals and stashes for money management
- Financial notes for reminders and planning
|
|---|
| 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
| - No bank connection required; manual entry keeps your data private
- Customizable groups and categories tailored to your needs
- Progressive web app installable on phones and computers
- Compare planned budgets against actual spending with color-coded indicators
- Simple, ad-free design built for real-life money management
|
|---|
| Community votes | 0 | 0 |
|---|
| DR (Domain Rating by Ahrefs) | 31 ▲ +26 (up) since last check | Not checked yet ● no change since last check |
|---|
| Trust Flow (Majestic) | 6 | 0 |
|---|
| Citation Flow (Majestic) | 28 | 17 |
|---|
| Referring domains (Majestic) | 34 | 3 |
|---|
Misto's Financial
Budget Sense