| What it does | Financial Management for Everyone
| Local-first personal finance app with your ledger on your device, read-only bank sync, and AI insights
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| Stage | Not given
| Startup
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| Founded | Not given
| 2026
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| Based in | US
| US
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| Pricing model | Freemium
| Freemium
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| Pricing | Personal: Free forever. Family: $14.99/month or $149/year. Pro: $9.99/month standalone or $99.90/year, or $7.99/month with Family. Elite: $49.99/month for first 3 seats, $19/month per additional seat.
| 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.
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| Key features | - Bill Tracker - Track recurring bills with AutoPay marking
- Income Tracker - Log income sources with pay frequency
- Debt Payoff Calculator - Choose avalanche or snowball strategy
- Bank Sync via Plaid - Automatic transaction categorization
- Bank-Verified Payments - Checks against real bank activity
- Budget Health Score - 0-100 score showing spending alignment
- Net Worth Tracker - Track assets and debts
- Invoicing and A/R - Create and track invoices with online payments
- Profit & Loss Summary - Export P&L statements for accounting
- Household member accounts - Up to 5 members with shared budget
| - 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
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| What makes it different | - Bank-verified payments confirm actual clearing dates against bank activity
- Completely free personal tier with no credit card required
- Shared household finances for up to 5 members
- Built-in invoicing and business tools without separate apps
- Revenue portion supports community aid for basic necessities
| - 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
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 5 ▲ +1 (up) since last check | 4 ● no change since last check |
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| Trust Flow (Majestic) | 2 | 6 |
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| Citation Flow (Majestic) | 22 | 28 |
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| Referring domains (Majestic) | 7 | 34 |
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Nemonix
Misto's Financial