1M Finance uses a sectioned CSV format. Each section starts with a SECTION marker row, followed by a section name, then column headers, then data rows. For reliable imports, include the account and category sections used by your transactions.

File Structure

A file can contain up to five sections, in this order:

TRANSACTIONS contains the rows you want to import. Include ACCOUNTS and CATEGORIES for the names referenced by those transactions so the import can map them correctly. BUDGETS and RECURRING_TRANSACTIONS are optional.

Each section follows this pattern:

SECTION,,,,,
SECTION_NAME,,,,,
Column Header 1,Column Header 2,...
data row 1
data row 2

If you're building this in a spreadsheet, just leave the extra cells in the SECTION rows blank. The app ignores them.

Accounts

Define your financial accounts. Include every account name referenced by your transactions.

Field	Type	Required	Notes
Account Name	Text	Yes	Unique name for the account
Account Type	Text	Yes	regular, savings, or debt. Aliases like checking, cash, investment, credit, loan are also accepted.
Starting Balance	Number	Yes	Balance at the start of tracked history
Current Balance	Number	Yes	Current balance (recalculated on import)
Currency	Text	Yes	3-letter ISO code: USD, EUR, GBP, BTC, XAU, etc.
Include In Total	Boolean	Yes	true or false — include in net worth
Display In Expenses	Boolean	Yes	true or false — show in expense charts
Is Archived	Boolean	Yes	true or false
Max Credit Balance	Number	Optional	Debt account limit/balance floor. Exported values are usually negative for credit cards or loans, such as -3000.0.
Description	Text	Optional	Short description for your reference
Color	Integer	Optional	Numeric color code (e.g. 4280391411). Leave blank — the app picks one for you.
Initial Balance Date	Date	Optional	yyyy-MM-dd format. When the starting balance was set.

Example

SECTION,,,,,,,,,,,
ACCOUNTS,,,,,,,,,,,
Account Name,Account Type,Starting Balance,Current Balance,Currency,Include In Total,Display In Expenses,Is Archived,Max Credit Balance,Description,Color,Initial Balance Date
Checking,regular,0.0,5200.0,USD,true,true,false,,Main checking,4280391411,
Savings,savings,1000.0,8500.0,USD,true,true,false,,Emergency fund,4283215168,
Credit Card,debt,0.0,-1200.0,USD,true,true,false,-5000.0,Visa card,4294930688,
Euro Account,regular,500.0,250.0,EUR,true,true,false,,Travel fund,4284890654,2024-06-01

Categories

Define expense and income categories. If omitted, the app creates categories from names used in your transactions.

Field	Type	Required	Notes
Category Name	Text	Yes	Unique name for the category
Category Type	Text	Yes	expense or income
Color	Integer	Optional	Numeric color code. Leave blank — the app picks one for you.
Is Archived	Boolean	Yes	true or false
Parent Category	Text	Optional	Name of the parent category for subcategories. Parent must appear before its children.

Example

SECTION,,,,,
CATEGORIES,,,,,
Category Name,Category Type,Color,Is Archived,Parent Category
Food & Dining,expense,4294924066,false,
Transportation,expense,4282339765,false,
Salary,income,4283215168,false,
Coffee,expense,4294924066,false,Food & Dining
Fuel,expense,4282339765,false,Transportation

In this example, Coffee is a subcategory of Food & Dining, and Fuel is a subcategory of Transportation. Parents must be listed before their subcategories.

Transactions (required)

This is the only section you must include. Each row is one transaction.

Field	Type	Required	Notes
Date	Date	Yes	yyyy-MM-dd (recommended), dd/MM/yyyy, or MM/dd/yyyy. The app auto-detects the format; use yyyy-MM-dd to avoid ambiguity.
Type	Text	Yes	expense, income, transfer, or expenseTransfer
From Account	Text	Yes	Account name (must match ACCOUNTS section). For income, this is the account that receives the money.
To Account	Text	Transfers	Destination account for transfers
Category	Text	Non-transfers	Category name (must match CATEGORIES section)
Subcategory	Text	Optional	Subcategory name, if applicable
Amount	Number	Yes	Transaction amount (positive number)
Currency	Text	Yes	3-letter ISO code matching the source account
To Account Amount	Number	Optional	Amount received in destination account (cross-currency transfers)
To Account Currency	Text	Optional	Currency of the destination account (cross-currency transfers)
Amount USD	Number	Optional	USD equivalent snapshot. Keep this column from an export or fill it with the same amount for USD files.
Amount Home Currency	Number	Optional	Home currency equivalent snapshot. Keep this column from an export or fill it with the same amount when your file currency is your home currency.
Notes	Text	Optional	Free text description
Recurring Ref	Text	Optional	Links this transaction to a recurring template. Auto-populated on export — do not edit manually.

How transaction types work

• income — Money enters the From Account. Use an income category such as Salary.
• expense — Money leaves the From Account. Use Category and optional Subcategory to describe the spending.
• transfer — Money moves from From Account to To Account. Leave Category and Subcategory blank. This should not count as spending.
• expenseTransfer — Money moves between accounts and also counts as an expense. Use this for loan or card payment patterns where the destination account balance changes but the payment should appear in spending.

Examples

SECTION,,,,,,,,,,,,,
TRANSACTIONS,,,,,,,,,,,,,
Date,Type,From Account,To Account,Category,Subcategory,Amount,Currency,To Account Amount,To Account Currency,Amount USD,Amount Home Currency,Notes,Recurring Ref
2025-01-03,expense,Checking,,Food & Dining,,52.0,USD,,,52.0,52.0,Trader Joe's,
2025-01-15,income,Checking,,Salary,,3200.0,USD,,,3200.0,3200.0,Monthly salary,RT-1
2025-01-15,transfer,Checking,Savings,,,500.0,USD,500.0,USD,500.0,500.0,Monthly savings,
2025-01-20,expenseTransfer,Checking,Credit Card,Card Payment,,250.0,USD,250.0,USD,250.0,250.0,Credit card payment,
2025-01-10,transfer,Checking,Euro Account,,,1000.0,USD,920.0,EUR,1000.0,1000.0,Travel fund top-up,

For a same-currency transfer, set Amount, Currency, To Account Amount, and To Account Currency to the same value and currency. For a cross-currency transfer, Amount and Currency describe what left the source account, while To Account Amount and To Account Currency describe what arrived in the destination account. Transfers normally leave Category and Subcategory blank, except expenseTransfer.

The Recurring Ref column links a transaction back to a recurring template (for example, RT-1 matches the salary template below).

Budgets (optional)

Set monthly budget targets per category. One row per category per month.

Field	Type	Required	Notes
Category Name	Text	Yes	Must match a category from the CATEGORIES section
Amount	Number	Yes	Monthly budget amount
Currency	Text	Yes	3-letter ISO code
Year	Integer	Yes	e.g. 2025
Month	Integer	Yes	1–12

Example

SECTION,,,,,
BUDGETS,,,,,
Category Name,Amount,Currency,Year,Month
Food & Dining,550.0,USD,2025,3
Transportation,250.0,USD,2025,3
Entertainment,150.0,USD,2025,3

Recurring Transactions (optional)

Set up transactions that repeat automatically.

Field	Type	Required	Notes
Notes	Text	Optional	Description of the recurring transaction
Type	Text	Yes	expense, income, transfer, or expenseTransfer
From Account	Text	Yes	Account name
Category	Text	Non-transfers	Category name
Amount	Number	Yes	Transaction amount
Currency	Text	Yes	3-letter ISO code
Frequency	Text	Yes	daily, weekly, monthly, or yearly
Interval	Integer	Yes	Repeat every N periods (e.g. 1 = every month, 2 = every other month)
Start Date	Date	Yes	yyyy-MM-dd
End Date	Date	Optional	yyyy-MM-dd — when to stop recurring
Max Occurrences	Integer	Optional	Stop after N occurrences
Auto Create	Boolean	Yes	true to create transactions automatically
Is Active	Boolean	Yes	true or false
To Account	Text	Transfers	Destination account for recurring transfers
To Account Currency	Text	Optional	Currency of the destination account (cross-currency recurring transfers)
Ref	Text	Optional	Unique identifier for this template (e.g. RT-0). Used to link transactions back to their recurring template.

Example

SECTION,,,,,,,,,,,
RECURRING_TRANSACTIONS,,,,,,,,,,,
Notes,Type,From Account,Category,Amount,Currency,Frequency,Interval,Start Date,End Date,Max Occurrences,Auto Create,Is Active,To Account,To Account Currency,Ref
Monthly rent,expense,Checking,Housing,1200.0,USD,monthly,1,2025-01-01,,,true,true,,,RT-0
Monthly salary,income,Checking,Salary,1600.0,USD,monthly,1,2025-01-01,,,true,true,,,RT-1

Validation & Tips

Complete rows

Make sure every row has a value (or an empty comma) for each column in the header. Rows with missing columns are silently skipped during import.

Name matching

Account names and category names in your transactions must exactly match (case-sensitive) the names defined in the ACCOUNTS and CATEGORIES sections. Missing account or category mappings can cause affected rows to be skipped.

What happens on import

• Malformed rows are skipped — the import doesn't fail entirely.
• Starting balances are recalculated automatically for consistency.
• The app auto-detects your home currency from transaction frequency.
• Keep Amount USD and Amount Home Currency populated when possible. For a single-currency USD starter file, they can match Amount.