| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Budget app that shows what you can spend today
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| Stage | Startup
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| Founded | 2026
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| Based in | US
| 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 to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
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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
| - Calculates what you can safely spend today
- Budgets over any period (month, fortnight, custom)
- Multiple accounts, transfers, and net worth tracking
- Recurring rules for rent, salary, and subscriptions
- Search and filters over every transaction
- CSV export of transactions
- Backup and restore via Google Drive, iCloud, or file
- App lock with passcode and biometrics
- Supports 165 currencies and 5 languages
- All data stays on device with optional backup only
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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
| - No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
- All data remains on your phone; nothing is uploaded without your permission
- Shows what you can spend today as one clear number derived from remaining funds and days until payday
- Free to start with all features unlocked; you choose whether to pay to continue adding transactions
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 2 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 1 |
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| Citation Flow (Majestic) | 28 | 19 |
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| Referring domains (Majestic) | 34 | 11 |
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Misto's Financial
Ledgerly