A plain-English walkthrough of how Miser works, who it's for, what it costs, and where your money sits. Last updated May 16, 2026.
Miser is a behavioral savings app. When you almost buy something — the latte, the takeout, the impulse buy — you log the skip in the app. Every Sunday, Miser batches the week's skips and moves the total from your linked checking account into a vault tied to a goal you set. No budgeting. No tiers. Just the small choices that compound.
No. Miser is a financial technology company, not a bank. We provide the app and the deposit-initiation layer. Banking, ACH transfers, and money movement are provided by licensed partners. Miser never holds your funds on its balance sheet — your money lives in accounts you own at your bank.
Because Miser moves money between accounts you own at your own bank, FDIC insurance on those funds comes from your bank, up to applicable FDIC limits. Miser itself does not provide insurance. When the app supports a partner-bank savings option at launch, the FDIC-coverage details will be disclosed in full before you can use it.
Logging skips, setting goals, and using groups are free. A small service fee is applied to each Sunday savings batch. Withdrawals are free. The final fee schedule is shown in full inside the app and requires your explicit acceptance before any money moves — no surprises.
We're launching in 2026, iOS first. The waitlist is open at misersavings.com — drop your email and we'll send a TestFlight invite when your slot opens. We're admitting people in batches so we can keep the early experience good.
Yes, for now. To use Miser you must be at least 18 years old and a permanent US resident. Money movement at launch is US-domestic via ACH, which means we can only support US bank accounts and US-resident customers. International availability is a long-term consideration, not a near-term plan.
Yes. iOS first because we're a small team and shipping one great mobile experience is better than shipping two compromised ones. Android is on the roadmap close behind. When you join the waitlist you can tell us which platform you're on so we can size the Android cohort and invite you when it lands.
Instead of nickel-and-diming your checking account every time you log a skip, Miser collects the week's skips and moves the total in one ACH transfer each Sunday. One transfer per week means lower processing cost — which is why the service fee can stay small — and a cleaner record on your bank statement. You can pause or cancel a Sunday batch before it ships if your week went sideways.
It's an optional mode for quitting a habit that costs money — cigarettes, alcohol, vaping, gambling, takeout, sports betting. You tell Miser what the habit normally costs you (per day, week, or month). Every day you stay clean and check in, that amount auto-skips into your vault. A streak you can see, dollar-by-dollar. A $20-a-day gambling habit is $7,300 a year — Miser shows you the number before you start, and again every time you almost relapse.
Ranks are pure recognition — no fee discounts, no raised limits, no paywall. As you skip enough days and save enough dollars, the app names you: Apprentice Miser at 3 days, all the way up to Grand Miser at 450 days. A missed day breaks the streak but never takes the rank away. We scrapped a traditional tier system on purpose. Ranks are identity, not unlocks.
No. We don't sell your personal information and we don't use it for targeted advertising. We share limited data with the third-party processors that operate the service — our bank-linking provider, our ACH partner, our email service, our hosting, and Google Analytics for anonymized traffic — and that's it. The full list, and your data-deletion rights, are in our Privacy Policy.
You can delete your account directly from inside the Miser app — Profile → Account → Delete account. Or email [email protected] from the address you joined with and we'll handle it. Deletion stops future Sunday batches and removes your email and any captured submission metadata from our systems. We retain anonymized aggregate analytics and any records required by law (e.g., transaction records for the period required by US banking regulations).
Miser is built by a small team in Austin, Texas. MiserSavings Inc. is a Delaware C-Corp founded in March 2026. You can read more about the team and the mission on the About page.
Email [email protected] — we read every message. Pre-launch, that's also the right address for waitlist questions, press inquiries, and accessibility feedback.
If your question isn't covered above, write to [email protected] and we'll either answer privately or add it to this page.