Get the app

Expense tracker for iPhone & Android

Stop wondering where your money goes.

Track spending and net worth across every currency, without ever linking a bank.

Download on the App Store Get it on Google Play
  • No bank connections
  • No ads
  • Your data stays on your device

1M Plus is optional. Some screens show 1M Plus features.

Sankey cash-flow view showing income, expenses, and savings

One private app for your whole financial picture.

1M Finance is a privacy-first expense tracker for iPhone and Android. Budgets, the bill calendar and advanced analytics come with 1M Plus.

Data entry
By hand or CSV import
Reminders
The evening before each recurring bill
Backups
Optional, to your own iCloud or Google Drive
Currencies
Any, including Bitcoin and gold, converted automatically
Cash flow
Sankey diagram, income to every category
Export
CSV, any time
Privacy mode
Hide every balance with one tap
Price
Free to download, 1M Plus optional

See your money clearly

Cash flow, net worth, budgets and currencies in one calm app.

Your net worth in one number

Every account rolls up into one net worth figure in your home currency.

  • Accounts, savings and debts in one total
  • A trend line for the period you pick
  • Savings rate and category totals underneath
Net worth trend with income and expense category summaries

Every currency, Bitcoin and gold in one view

Track accounts in any currency with automatic exchange-rate conversion into your home currency.

  • Fiat, gold and crypto grouped separately 1M Plus
  • Useful for travellers, expats, and anyone juggling more than one currency
  • Currency exposure and savings runway 1M Plus
1M Plus
Accounts summary with fiat currencies, gold, and Bitcoin

Budgets for every category 1M Plus

Set a limit for each category and see how the month is tracking.

  • Planned versus actual savings
  • Progress bars for every category
  • Income targets alongside spending
1M Plus
Budget progress comparing planned and actual income and expenses

Every recurring payment in one list

Monthly totals in and out, and what is due next. How reminders work

1M Plus

See which days cost the most

Each day shaded by spending, with upcoming bills and income.

1M Plus

See your currency exposure

The currency share of your net worth, at a glance.

1M Plus

Know your savings runway

How long your savings last at your current spending.

Some screens show 1M Plus features and a 12-month view. Without 1M Plus, analytics cover up to 3 months at a time.

Your financial data stays on your device.

Optional backups go to your own iCloud or Google Drive, and we don’t access them.

Read the privacy policy

Privacy mode

Example accounts
  • Checking$ 4,820.50
  • Savings$ 12,300.00
  • Euro travel€ 640.00
  • Bitcoin0.16 BTC

Tap the eye. Privacy mode works without 1M Plus.

How it works

From first entry to the full picture

  1. Add your transactions

    Log spending in seconds, or bring your history with the CSV format guide. On iPhone, a Wallet automation Shortcut can capture Apple Wallet payments.

  2. Spot where spending creeps up

    The Sankey diagram follows income into every category, so a creeping subscription or category stands out at a glance.

  3. Get a reminder before each bill

    A reminder arrives the evening before each recurring bill. Category budgets come with 1M Plus.

Coming from another app?

Bring your history with you. These guides show what moves over and how.

Migrate from1 MoneyImport supported 1 Money CSV exports
Read the guide
Alternative toIvy WalletAn actively maintained manual tracker with CSV portability
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Alternative toWallet by BudgetBakersNo-bank-sync tracking with CSV portability
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Alternative toMonefyFast entry, plus cash flow, budgets and net worth
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Coming from somewhere else? Export a CSV and follow the CSV import guide.

Frequently asked questions

Is 1M Finance free?

Yes — 1M Finance is free to download and use. An optional 1M Plus subscription unlocks premium features and is managed through the Apple App Store or Google Play.

Does 1M Finance connect to my bank?

No. There are no bank connections and no credentials to share. You add transactions manually or import them from a CSV file, which keeps you in full control of your data.

Where is my financial data stored?

On your device. Optional backups go to your own iCloud account (iPhone) or Google Drive (Android), and we don't access your backup data.

Do you show ads or sell my data?

No. 1M Finance has no ads and does not sell your data. The app is supported by the optional 1M Plus subscription.

Which platforms is it available on?

1M Finance is available for iPhone on the App Store and for Android on Google Play.

What currencies does it support?

You can track accounts in any currency, and 1M Finance converts them into your home currency automatically using exchange rates.

Can I import data from another app?

Yes. Use the CSV import to bring in your existing transactions — start with the CSV format guide, or the switch from 1 Money guide if you're coming from that app.

How do I cancel my subscription?

Manage or cancel 1M Plus from your Apple App Store or Google Play subscription settings. You keep premium access until the end of your current billing period. See Support for step-by-step instructions.

How do I delete my data or account?

You can clear local data or permanently delete your account from within the app. The delete your data guide covers what gets removed and how.

Can 1M Finance remind me before a bill is due?

Yes. Every recurring transaction has a free "remind me the day before" toggle, and a calendar on the Overview screen shows all upcoming bills (part of 1M Plus). See the bill reminders & calendar page for details.

Who is 1M Finance for?

1M Finance is built for people who want clarity about their money without linking their bank accounts to a third party. That includes privacy-conscious users who would rather keep financial data on their own device, people living or working across multiple currencies, and anyone who simply wants a calm, visual picture of their cash flow, budgets, and net worth.

Still have questions?Visit Support or email us

Know where every dollar goes.

Free to download on iPhone and Android. 1M Plus is optional.

Download on the App Store Get it on Google Play
Accounts list with balances hidden by privacy mode
Sankey cash-flow view in 1M Finance