What Is Free in Misto's Financial and What Does Premium Add?

Misto's Financial keeps everything that runs on your device free forever — the local ledger, budgets, goals, Tax Vault, and exports. A one-time Premium unlock adds the "always-on" services, and the site describes it as a purchase for life rather than a subscription. The page does not list a price for Premium, so treat cost as something to confirm inside the app before you decide. If your main need is a private, offline ledger you fully control, the free core already covers it; Premium matters only if you want the services that keep working without you opening the app.

What the free-forever core includes

According to the site, everything that lives on your device is free forever:

• Local-first ledger — your full financial ledger is stored directly on your device, not in a corporate database.
• Budgets and goals — planning tools that run locally.
• Tax Vault — a place for tax-relevant items, kept on your machine.
• Exports — you can get your data out.
• Statement Importer — imports CSV, PDF, OFX, QFX, or QIF statements, with parsing done on your machine so raw statements never leave your hands.
• On-device analysis — categorize, reconcile, and analyze in your browser.
• Offline use — the core works without a connection.

The site also states there are "no bank credentials to hand over" and that raw statements are never uploaded. Optional read-only bank sync signs in on your bank's own page with no third-party aggregator, so even that path avoids handing credentials to Misto's.

What Premium adds

Premium is described as a one-time unlock that adds the always-on services — features that keep working in the background rather than only when you're actively using the app. It is explicitly not a subscription, and the unlock is described as "for life."

The page does not enumerate every always-on service or state a price. The clearest example of the always-on category is the AI Coach (Misto AI insights): a coach that surfaces patterns and tax-deductible moments from derived summaries — never your raw transactions. Because it works from summaries rather than raw data, it's the kind of service that can run continuously without your ledger leaving your device.

Free core vs. Premium at a glance

How to decide whether Premium is worth it

Ask one question: do you need anything to happen while the app is closed?

• If you open Misto's when you sit down to review, import, budget, or export — and you're fine doing that manually — the free core is likely enough. You keep the full private ledger and all the planning tools.
• If you want ongoing, background insight (the AI Coach surfacing patterns and tax-deductible moments from derived summaries), that's the always-on layer Premium is meant to cover.

Two practical checks before paying:

1. Confirm the price in-app. The page confirms a one-time unlock but not a figure, so don't assume it's free or cheap — verify at the point of purchase.
2. Confirm which services are always-on. The site names the AI Coach as the clear example; if a specific background feature matters to you, check that it's part of the unlock rather than the free core.

Because the core is free forever and the unlock is one-time, the risk of trying the free version first is low: you can run your ledger, import statements, and build budgets locally, then decide later whether the always-on services earn the one-time cost.