Your garden.Your soil.Your hands.
Most finance apps rent your data back to you. Misto's is built differently — your financial ledger lives directly on your device, in absolute privacy. The core app is free forever, and your data is never the product. Just intentional wealth building.
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 a direct bank sync that connects to your bank 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 AI insights
A gentle coach that surfaces patterns and tax-deductible moments from derived summaries — never your raw transactions — guiding your intentional wealth building.
Free-forever core
Everything that lives on your device — ledger, budgets, goals, Tax Vault, exports — is free forever. Premium only covers the always-on services, and Grove Patron unlocks them once, for life.
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.
Read-only access
We can never touch or move your funds — only listen quietly to what they're doing.
Bank-level security
Powered by industry-leading security — the same encryption protecting major banks secures your data locally and in transit.
Your data is yours
We never sell your financial information to advertisers. No tracking, no resale, no exceptions.
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 daily work. Each morning it reads your numbers and offers one calm observation — a tax write-off you'd have missed, a bill heading your way, a goal inching closer. No red alarms, no guilt, no noise — just private guidance that compounds into real momentum. Actively, intentionally, yours.
Calm pricing, direct value.
Everything that lives on your device is free, forever. Premium covers the services that keep working while you sleep.
Free Forever
The whole local-first ledger — budgeting, tracking, tax vault, and every export.
Misto's Premium
or $49.90/year — two months free
The services that keep working for you around the clock.
Grove Patron
For those who'd rather plant a tree than pay rent. Every premium feature, for life.