Mistos financial· Personal finance app
calm personal finance,privacy-first,local-first,no ads,no trackers,no subscription,one-time purchase,zero-knowledge,read-only bank sync,safe-to-spend,offline budgeting, budget app,expense tracker,net
What is Mistos financial?
Mistos financial is a personal finance app.
Misto's Financial is a calm, honest personal finance companion for people who want to understand their money — without the noise, the red alerts, or the advertiser surveillance.
Meet Misto, your quiet financial companion. Every morning Misto reads your ledger and shares one gentle observation. No nagging, no notification spam, no guilt trips. Just clear, grounded clarity.
WHAT'S INSIDE:
• Safe-to-Spend: see what is safe to spend today without touching tomorrow's bills or this month's savings goals.
• Read-only bank sync (Premium): sign in on your bank's own page inside the app and transactions are read on your device — no third-party aggregator, and no ability to move money.
• Bill predictions: Misto's learns the rhythm of your recurring bills and shows quarterly and annual charges coming before they land.
• Expenses Sheet: an inline-editable monthly planning grid with a calendar view.
• Savings goals: milestone rings and a quiet note when you get there.
• 16 languages and multi-currency support.
• Tax Vault: Misto flags possible deductions through the year so you arrive at tax time with a tidy list to review with your preparer. Not tax advice.
• Sign-in activity and sessions: see where you're signed in, any time.
PRIVACY BY DESIGN:
• No ads, no trackers: we do not sell, rent, or monetize your financial data. Ever.
• Local-first: your ledger and budgets live on your device by default.
• Read-only by design: no money movement capabilities. Your money stays in your bank.
• Your data, exportable and deletable: full data export, and account deletion from Profile — data purged within 24 hours, encrypted backups within 30 days.
THE CORE IS FREE FOREVER:
• Manual entry, the offline ledger, statement imports, budgets, goals, Tax Vault, and every export are free forever.
• Misto's Premium is an optional one-time unlock for read-only bank sync, zero-knowledge multi-device sync, the full AI suite, and the household plan. No subscription.
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