Good morning, Product Hunt! 👋 I'm John Sherman, founder and solo builder of Misto's Financial from Portland, Oregon. When Intuit shut down Mint, I went searching for a new home for my finances. What I found was startling: almost every modern budgeting app has turned into an emergency room. Flashing red bars, gamified streak notifications that shame you for buying lunch, and business models that quietly sell your credit scores and transaction habits to third-party lending partners. Money shouldn't feel like fighting a fire. It should feel like tending a quiet garden. So I spent the last year building Misto's Financial around a radically different architectural philosophy: 🌱 **Local-first by conviction:** Your financial ledger lives on your device first (SQLite / IndexedDB). It works 100% offline. Anything backed up is encrypted with AES-256-GCM using client-derived keys — no one, including us, can decrypt your numbers. 🌱 **Read-only by default:** When you choose to connect a bank, access is strictly read-only. Misto can listen to posted transactions; it can never touch or move your money. Prefer not to link your bank at all? Our on-device Statement Importer parses CSV, PDF, OFX, QFX, and QIF files directly inside your browser memory — raw files never leave your computer. 🌱 **Whispers where other apps shout:** Rather than twenty notifications a day, Misto AI provides exactly one gentle, useful observation each morning — a missed tax write-off, a bill heading your way, or your Safe-to-Spend cushion — then quietly steps out of the way. 🌱 **Anti-subscription pricing:** The core local-first ledger is free forever — budgeting, goals, statement imports, the Tax Vault, and all exports. For hunters who want automated bank sync without monthly rent, our Grove Patron tier unlocks lifetime sync with a single one-time payment. 🎁 **Special for Product Hunt:** To celebrate launch day, use code **PRODUCTHUNT20** at checkout (or visit https://mistosfinancial.com/prod...) for 20% off Grove Patron for life ($39.90 one-time). I’ll be here in the comments all day answering questions about our local-first cryptography, on-device PDF parsing, and the roadmap ahead. Thank you for tending your ledger with us! What’s your biggest frustration with current money apps?

Misto's Financial

Tend your wealth like a garden. Calm, private, local-first.

Tend your wealth like a garden. Calm, private, local-first.