| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Private personal finance app that runs entirely on your computer
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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
| Free trial
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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 for 30 days, then $99 USD once (includes all future updates)
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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
| - Transaction import from bank statements (CSV) or SimpleFIN
- Automatic transaction categorization that learns from corrections
- Monthly spending analysis by category with cash flow
- Local AI analyst for insights and anomaly detection
- Works offline without internet connection
- Supports Mac (Apple Silicon M1+) and Windows 10 & 11
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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
| - All data and AI analysis run locally on your computer with no cloud servers or tracking
- Works completely offline and requires no account or login
- One-time $99 purchase with all future updates included
- Automatic transaction categorization that learns from user corrections
- Optional SimpleFIN connection keeps bank credentials on SimpleFIN's servers, never with Maali
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 3 ▼ −1 (down) since last check |
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| Trust Flow (Majestic) | 6 | 8 |
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| Citation Flow (Majestic) | 28 | 23 |
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| Referring domains (Majestic) | 34 | 26 |
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Misto's Financial
Maali