See where your money goes.Keep it on your device.
Misto's is a calm personal finance app. Import a bank statement, shape a budget, and watch your goals grow. No bank login required, nothing sold, and the core app is free forever.
Your garden. Your soil. Your hands.
A garden cannot grow if someone else owns the soil.
And it cannot thrive without active care. Most finance apps keep your credentials on vulnerable cloud servers and encourage passive tracking. By choosing a local-first architecture, your financial ledger is stored directly on your own device — not a corporate database.
Combined with an on-device Statement Importer for CSV, PDF, OFX and more — plus optional read-only bank sync that signs in on your bank's own page, with no third-party aggregator — you stay actively engaged with your money in real privacy.
Everything you need. Nothing that rents your data.
Local-first ledger
Your entire financial ledger is stored directly on your device — never a corporate database. You own the soil your garden grows in.
Statement Importer
Import statements from any bank — CSV, PDF, OFX, QFX, or QIF. Parsing happens on your machine, so raw statements never leave your hands.
Everything happens on your device
Categorize, reconcile, and analyze right in your browser. No bank credentials to hand over, and your raw statements are never uploaded.
Misto's notes
Misto reads your numbers and leaves one calm note on your dashboard: weekly on the free core, every morning with Premium. The Budget Companion, which rebalances envelopes on a plain-English request, is a Premium extra.
Free-forever core
Everything that lives on your device — ledger, budgets, goals, Tax Vault, exports — is free forever. A one-time Premium unlock adds the always-on services — for life, with no subscription.
Absolute privacy
There's no central database of everyone's finances to breach — your ledger lives on your device. What you back up is encrypted before it leaves, readable only by you.
Data storytelling, grounded like stones in a stream.
Your routine expenses fade into the background, quietly keeping things moving. And when a tax write-off appears, Misto flags it — so a deduction you've earned doesn't slip past unnoticed.
I found $640 in tax-deductible spending this quarter. Want me to tag it?
Spending breakdown
June 2026$4,280
Monthly flow
AES-256
Encrypted
100%
On-device
0
Trackers
The most private ledger is the one we can't read.
Your ledger lives on your device, not a central database — so there's no honeypot of everyone's finances to breach. Anything you back up is encrypted on your device first, unreadable to anyone but you — including us.
No bank login required
Import statements from any bank and you never hand over a password. If you ever turn on read-only sync through Premium, you sign in on your bank's own page, and Misto can only see transactions, never move money.
Readable only by you
Your ledger lives on your device, not in a central database. Anything you back up is encrypted on your device before it leaves, so even we can't read it.
Never the product
No ads, no data brokers, no third-party trackers. Misto's earns its keep from a one-time Premium unlock, not from what it knows about you.
A note from the person behind Misto's
I built Misto's because I wanted a finance app that didn't need my bank password and didn't sell what it learned about me. It's one person, not a team: I write the code, answer hello@mistosfinancial.com myself, and handle every refund by hand.
If something feels off, tell me. I'd rather hear it now than find out later it became the reason you left quietly.
Plant. Tend. Watch it grow.
Three unhurried steps — from your first login to a ledger that quietly works alongside you. Setup takes seconds; the clarity lasts.
Plant your ledger
It starts in seconds. Create your private vault and your whole financial picture lives right here on your device — encrypted with a zero-knowledge key only you hold. Not even we can read your books, and that's exactly the point: your money is yours to see, never ours to sell.
Tend your soil
Bring your accounts in whichever way suits you — import statements (CSV, PDF, OFX) parsed on your device, or connect your bank directly with no third-party aggregator in the middle. Misto untangles cryptic merchant names, sorts every transaction into place, and learns your preferences as you go, so the busywork quietly fades.
Watch it grow
Now Misto does the quiet work. It reads your numbers and leaves one calm observation on your dashboard — a bill heading your way, a goal inching closer, a month running warm. Weekly on the free core, every morning with Premium. No red alarms, no guilt, no noise — just private guidance that compounds into real momentum.
Calm pricing, direct value.
Everything that lives on your device is free, forever. One quiet payment unlocks the rest — for life, with no subscription.
Free Forever
The whole local-first ledger — budgeting, tracking, tax vault, and every export.
Misto's Premium
No subscription. Nothing auto-renews.
Every premium feature, unlocked for life. One quiet payment, no subscription — ever.