| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Free budget calculator for irregular income, multiple pay schedules and multi-currency budgets
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| Stage | Startup
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| Founded | 2026
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| Based in | US
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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 calculator and free account (saves one budget). Clear Budget Plus: $4.99/month or $39.99/year (save 33% annually, equivalent to $3.33/month).
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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
| - Support for multiple pay frequencies: daily, weekly, biweekly, twice-monthly, monthly, annual and custom periods
- 27 currencies with live exchange rate conversion
- Exact contract dates and date ranges for income and expenses
- Automatic proration for partial periods
- Savings goals, emergency fund and investment growth tracking
- Financial picture showing income, expenses, what's left, goals and remaining balance
- No bank connection required
- Use without creating an account
- Bitcoin as a supported currency
- Multiple budgets and combined financial picture with Plus subscription
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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
| - Built specifically for irregular income and contract work, not traditional monthly salaries
- Accurate frequency conversion that treats biweekly and twice-monthly as distinct
- Per-row currency support allowing mixed currencies in one budget
- Privacy by design with no bank connection or automatic data sync
- Designed for people whose finances don't fit simple monthly templates
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 6 | 0 |
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| Citation Flow (Majestic) | 28 | 4 |
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| Referring domains (Majestic) | 34 | 1 |
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Misto's Financial