1M Finance is a privacy-first expense tracker for iPhone and Android. It helps you see where your money goes through Sankey cash-flow diagrams, track your net worth across every account, set category budgets, and manage balances in any currency with automatic exchange-rate conversion. Unlike most finance apps, 1M Finance never connects to your bank: you add or import transactions yourself, your data stays on your device, and optional backups go to your own iCloud or Google Drive account. No ads, no data selling, no bank credentials to hand over.
How 1M Finance works
1. Add or import your transactions
Log spending in seconds, or bring your history with you using a simple CSV import — see the CSV format guide. Moving from another app? Follow the switch from 1 Money walkthrough. On iPhone you can also capture Apple Wallet payments automatically with an iOS Shortcut — see the Wallet automation setup.
2. See where your money goes
A Sankey diagram traces your income into categories and subcategories, so a recurring subscription leak or a creeping spending category is obvious at a glance. Category breakdowns and spending trends show the same picture over time.
3. Budget and track your net worth
Set limits per category and watch budget-versus-actual as the month progresses. Your net worth rolls up every account into a single number, in your home currency.
4. Stay multi-currency and private
Track accounts in any currency with automatic exchange-rate conversion into your home currency — useful for travellers, expats, and anyone juggling more than one currency. Turn on privacy mode to hide every balance with a single tap.
5. Stay ahead of upcoming bills
Recurring transactions appear on a monthly bill calendar with a free reminder the evening before each due date — see the bill reminders & calendar page for how it works.
Who it's 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.
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.