| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Know where your money goes
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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
| 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.
| 2 months free trial, then $9.99/month (USD)
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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
| - Connect bank accounts securely with Plaid read-only access
- Automatic transaction tracking and categorization
- Monthly and yearly budgets with real-time updates
- Transaction review queue to approve and categorize spending
- Shared household access with Edit and View permissions
- Savings goals tracking shared with household
- Recurring subscription detection and price change alerts
- Free loan calculator for any amount and rate
- Can I afford it feature checks purchase against available funds
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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
| - Automatically updates budget as transactions sync in real time
- One shared place for entire household instead of multiple apps and spreadsheets
- Read-only bank access means Savenello cannot move money
- Designed specifically for couples and families with shared finances
- No credit card required for 2-month free trial
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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 | 2 |
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| Citation Flow (Majestic) | 28 | 15 |
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| Referring domains (Majestic) | 34 | 2 |
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Misto's Financial
Savenello