1M Finance: Cash Flow Tracker

1M Finance is a privacy-first cash flow and budget tracker for people who track money manually across accounts, currencies, and assets without connecting a bank.

Your financial records stay in a local database on your device. Day-to-day tracking works offline. We do not connect to your bank, sell your data, or show ads. Optional backup uses your own iCloud account.

QUICK ADD WITH SHORTCUTS

On supported iPhones, set up Shortcuts automation to open a prefilled expense draft in 1M Finance after eligible Apple Pay or Apple Wallet payments. Amount, merchant, and card details are ready to review.

You stay in control: review the draft, choose the account and category, then save. 1M Finance does not connect to your bank or card issuer to import transactions.

SEE WHERE YOUR MONEY GOES

Sankey cash flow shows how income moves into spending and savings. Budgets, recurring costs, net worth, runway, and currency exposure help you understand both day-to-day spending and the bigger picture.

Most budget apps show static charts. 1M Finance shows the flow: income, spending, and savings in one Sankey view.

PLAN RECURRING COSTS

Use the recurring calendar to see upcoming payments and predictable expenses in context. A daily spend heatmap helps heavier days stand out, and optional day-before reminders help you review recurring costs before they are due.

Recurring projections stay separate from saved transactions: you can review what is coming up without turning projected payments into ledger entries.

TRACK MORE THAN ONE CURRENCY

Track cash, savings, debt, Bitcoin, gold, and other multi-currency holdings in one place. 1M Finance is built for people whose money is spread across currencies, accounts, and assets.

PRIVACY BY DESIGN

Your transactions and accounts stay on your device. Internet access is used for sign-in, subscription verification, exchange-rate refreshes, optional iCloud backup, and app diagnostics.

Privacy mode and biometric app lock help keep balances hidden when someone else is nearby.

FREE TIER

- Unlimited transactions
- Expense, income, transfer, savings, and debt accounts
- Sankey cash flow, bar, line, pie, and net worth charts
- Multi-currency tracking, including Bitcoin, gold, and other holdings
- Privacy mode, biometric app lock, and iCloud backup and restore
- CSV import and export

Free tier includes up to 5 accounts, 10 expense categories, 3 income categories, and analytics covering up to three months of history.

1M FINANCE PLUS

- Budgets across income and expenses
- Financial Summary with net worth breakdown, key indicators, and currency exposure
- Budget vs Actual and Forecast / Projection charts
- Recurring calendar with daily spend heatmap and upcoming recurring costs
- Period comparisons and chart overlays
- Full analytics history, including custom date ranges
- Automatic iCloud backup scheduling
- Daily exchange-rate updates
- Unlimited accounts and categories

SUBSCRIPTION INFORMATION

1M Finance Plus is available as a mo