Budget without ever linking your bank account
Not everyone wants to hand a budgeting app their bank login — and that's completely reasonable. With Misto's you don't have to. Bring your money in on your terms: import a statement, or add it by hand. Either way it stays on your device, and it's free forever.
Why people skip bank linking — and why that's fine
Most budgeting apps route your bank login through a third-party aggregator and store your transactions on their servers. For a lot of people that's a step too far — a privacy worry, a security preference, or simply not wanting one more company holding the keys to their accounts.
Misto's is built the other way around. It's local-first: your ledger lives on your device, not on a company server. So linking a bank was never the price of entry — it's just one optional way to bring data in, and never the only one.
Two private ways to get your money in
Import a statement
Download a statement from your bank — CSV, PDF, OFX, QFX, or QIF — and import it. Parsing happens on your device, so the raw file never leaves your machine, and Misto auto-categorizes every transaction for you.
See the import guideAdd accounts by hand
Prefer to type things in? Add accounts and transactions manually in seconds. Some people run their whole ledger this way — it's calm, deliberate, and completely private.
Start a manual ledgerYou keep the whole app — free, forever
Skipping bank sync doesn't put anything behind a wall. Everything that lives on your device is yours at no cost:
Prefer automatic sync later? It's your call
If you ever decide you'd like transactions to arrive automatically, Misto's Premium can connect a bank on the phone app — read-only, so it can listen to what your accounts are doing but can never touch or move a cent.
It's entirely optional, you can turn it off any time, and everything you built by hand or by import stays exactly as it is. You're always the one who decides how much leaves your device.
Frequently asked
Can I really use Misto's without connecting my bank?
Yes — completely. Importing statements and adding accounts by hand are free and work on every device, forever. Automatic bank sync is an optional Premium convenience for the phone app; plenty of people never turn it on.
How do I get my transactions in without linking my bank?
Two private ways: import a statement (CSV, PDF, OFX, QFX, or QIF), which is parsed on your own device, or add accounts and transactions manually. You review everything before it's saved either way.
What features do I lose by not linking a bank?
None of the core ones. Budgets, goals, the Tax Vault, Misto AI insights, statement imports, and every export are all part of the free-forever core and work without bank sync.
If I change my mind, can I connect a bank later?
Of course. Automatic sync is always optional and read-only — Misto can never move your money. You decide if and when to turn it on, and you can turn it back off any time.
Is my data still private if I don't link my bank?
Yes — more so. Misto's is local-first: your ledger lives on your device, backups are encrypted with a key only you hold, and your data is never sold. Not linking a bank just means even less ever leaves your device.
Your money, on your terms
Create your free account and start budgeting today — no bank login required, nothing to hand over, and your data stays on your device.