Miser is for the small choices that compound. The latte you almost bought. The takeout you didn't need. The thing-from-the-internet your future self would have wished you skipped. We built an app that moves those near-misses into your savings account, with three taps and no spreadsheet.
Most savings apps try to make you feel better about a budget. The category is full of charts you'll ignore, dashboards you'll never open, and "round-up" features that quietly cost you the most expensive coffees in your week. We didn't want any of that.
We wanted to build the thing we actually use ourselves: a one-screen, one-decision tool. You almost bought something. You tap. The money goes into a vault tied to a goal you set. Every Sunday, the week's skips batch into a single ACH transfer and ship to your savings. That's it. No coaching plans, no monthly fee, no tier you have to pay for.
The bet is simple: if the friction of saving drops below the friction of spending, people save more. Especially people who already know they should be saving but haven't found the on-ramp.
The single best behavioral lever in personal finance is moving money out of the checking account it would have been spent from. Miser ships skipped dollars into a separate vault, on a schedule, without making you think about it.
"Save more" is a feeling. "Save $1,500 for Mexico City by October" is a project. Every dollar in a Miser vault is pointed at a goal you named yourself. The bar moves. The destination gets closer. That's the part you can feel.
We scrapped the traditional tier system on purpose. No fee discounts, no raised limits, no paywall behind progression. Ranks in Miser are pure recognition — the app names you (Apprentice Miser, Steady Miser, Grand Miser) as you stack days and dollars. The number is the reward.
We make money on a small service fee per Sunday batch. We say so. The exact number is shown in the app before any money moves and you have to accept it. No tiered pricing, no upsell screens, no "premium" plan you'll forget you signed up for. Withdrawals are always free.
It's already earmarked for nothing important. It's the lowest-pain dollar you have. The hard part is making it stack somewhere it'll still exist by Friday. Miser is that "somewhere."
One way: a small service fee on the Sunday batch. The exact number is shown in the app at sign-up and you have to accept it before any money moves. We don't take a cut of interest, we don't take a cut of round-ups, we don't run ads against your transaction data, we don't sell your data, and we don't have a tiered pricing model. Withdrawals are free.
The full pricing details and the legal disclosures live in our Terms of Service.
Miser is built in Austin, Texas. The legal entity, MiserSavings Inc., is a Delaware C-Corp incorporated on March 12, 2026. We're a small founder-led team — bios coming when the product is in your hands, not before.
Miser is a financial technology company, not a bank. We don't hold customer deposits and we never commingle your funds with our own balance sheet. ACH transfers between your linked checking account and your savings vault are initiated by our ACH partner; bank linking is provided by a regulated third-party data network. FDIC insurance, where applicable, is provided by the bank holding the account — not by us. We'll publish the full partner-bank and infrastructure disclosure on this page when launch paperwork is signed.
For press inquiries, partnership discussions, integrations, or anything else that warrants a long-form reply: [email protected].
Are you interested in investing in MiserSavings? We're an early-stage US fintech with a behavioral-savings product, a clean revenue model (per-batch service fee, no interest games, no tiered pricing), and a small founder-led team in Austin. If that's a fit for what you back, write to [email protected]. We read every email.
We're a small team and we hire slowly. If you'd want to build savings infrastructure with us — engineering, design, compliance, growth — write to [email protected] with a short note and a link or two showing how you think. No formal openings posted yet; we read everything and reply when something opens up.
The waitlist is open. iOS first, Android close behind. US-only at launch. Join here.