| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Connected financial planner for Indians in India and abroad
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| Stage | Startup
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| Founded | 2026
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| Based in | US
| SG
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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 forever with all calculators and financial health check. Pro from $12/month or $99/year. Advisor $99/month and Advisor Pro $299/month for financial advisors.
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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
| - Free financial calculators for SIP, FIRE, retirement, EMI, tax and more
- Connected financial planner tracking income, expenses, goals, assets and net worth
- AI-generated personalized action plans ranked by urgency
- FinChat AI planning assistant with 200 messages per month on Pro
- Multi-currency support for eight currencies including INR, USD, EUR, GBP
- PDF reports and scorecards for Pro users
- NRI-specific tools for residential status and returning to India
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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
| - Connected workspace where cash flows, investments, goals, loans and SIPs stay connected
- Treats Indians abroad as core audience with multi-currency and residency rule support
- Never connects to bank or investment accounts; data encrypted with AES-128
- Recommendations follow standard financial planning order, not a generic checklist
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 5 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 26 |
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| Citation Flow (Majestic) | 28 | 25 |
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| Referring domains (Majestic) | 34 | 15 |
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Misto's Financial
FinPlann