A local-first budgeting app that keeps your finances on your device
Most budgeting apps put your transactions on their servers. Misto's does the opposite: your ledger lives on your device, works fully offline, and syncs only when you choose — encrypted, with a key only you hold. Local-first ownership, with none of the setup.
What "local-first" means — and why it matters
Local-first means your data is created and kept on your own device by default, not on a company's servers. The app works offline, feels instant, and treats the copy on your device as the real one — the cloud, if you use it at all, is just an encrypted backup you control.
For money, that matters more than almost anywhere. Your spending is a detailed portrait of your life. Local-first means that portrait stays with you: there's no central store to be breached, no aggregator to trust, and nothing to sell.
How Misto's works locally
Your ledger lives on your device
Your whole financial picture is created and kept on your own device by default — no company server holding a copy, nothing to sync unless you ask it to.
Works fully offline
Budget on a plane, in a basement, anywhere. Because your data is local, Misto doesn't need a connection to open, add transactions, or show your numbers.
Syncs only when you choose — encrypted
Turn on backup or link a second device and your data is encrypted before it leaves, with a key only you hold. You decide what syncs, and it's readable only by you.
Local-first, but friendly
Local-first apps often come with a catch: they're built for developers, and you're expected to self-host, run a server, or wire things together yourself. Misto's isn't that. It's a finished, designed app with a calm interface and an AI companion — you get the ownership of local-first without the homework.
Frequently asked
What does 'local-first' actually mean?
It means your data is created and stored on your own device by default, rather than on a company's servers. The app works fully offline and only syncs if and when you choose — so you own your data, not a provider.
Do I have to self-host or run a server?
No. Some local-first tools are aimed at developers and expect you to host and maintain them. Misto's is a finished, designed app — install it and go. You get local-first ownership with none of the setup.
How is a local-first app more private?
There's no central pile of everyone's transactions to breach, subpoena, or sell. Your ledger stays on your device, and anything you back up is encrypted with a key only you hold — so it's readable only by you.
Can I still use it across multiple devices?
Yes. Turn on encrypted Cloud Backup, or link a device in seconds by scanning a QR code from one you're already signed in on. Your data moves between your devices without ever becoming readable to us.
Is anything missing compared to a cloud app?
No — the free-forever core is complete: budgeting, goals, the Tax Vault, statement imports, AI insights, and every export. Optional Premium adds always-on conveniences like automatic bank sync; everything else is yours offline.
Own the soil your garden grows in
Create your free account and keep your finances on your own device — local-first, encrypted, and offline-ready. The core app is free forever.