| What it does | Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
| Your financial freedom day, counted down every midnight
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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 with ads. Plus plan available yearly with free trial or one-time purchase option; price shown in app store.
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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
| - Calculate financial freedom date from four inputs: age, savings, monthly investment, monthly spending
- Three scenario dates: cautious, base, and optimistic
- 4% withdrawal rate by default or custom dividend yield input
- Price it tool to show impact of purchases on freedom date
- Home screen and lock screen countdown widgets
- 5% annual savings growth calculation after inflation
- No account or bank linking required
- Unlimited Price it and What if tools with Plus plan
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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
| - Countdown widget shows days to financial freedom on home screen and lock screen
- All data stays on your phone with no account or server required
- Price it feature shows how purchases delay your freedom date in real time
- Three estimate scenarios provided alongside the primary freedom date
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 4 ● no change since last check | 1 ● no change since last check |
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| Trust Flow (Majestic) | 6 | 1 |
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| Citation Flow (Majestic) | 28 | 8 |
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| Referring domains (Majestic) | 34 | 4 |
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Misto's Financial
Untilfree