1M Finance: Cash Flow Tracker
Budget, Net Worth, Private
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
See clearer charts and budgets, richer account insights across multiple currencies. Review Wallet Quick Add drafts and get recurring payment reminders. No bank sync.
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 monthly or yearly auto-renewable subscription. A free trial is included for eligible subscribers. Payment will be charged to your Apple ID account at confirmation of purchase. Subscription automatically renews unless cancelled at least 24 hours before the end of the current period. You can manage or cancel your subscription in your device's Settings > Subscriptions. Any unused portion of a free trial will be forfeited upon purchasing a subscription.
Privacy Policy: https://finance.one-m.app/privacy
Terms of Service: https://finance.one-m.app/terms
A calmer, more insightful 1M Finance:
• A refined new look across charts, budgets, accounts, and navigation
• Richer account trends, category pace, cash-flow insights, and currency exposure
• New Reduce Motion and motion intensity controls
• Clearer getting-started guidance, demo improvements, and reliability fixes
The developer, Ion Razvan Ghinea, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Identifiers
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Ion Razvan Ghinea
- Size
- 91.2 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
English and 13 more
- English, Afrikaans, Czech, Danish, French, German, Italian, Norwegian Bokmål, Polish, Portuguese, Romanian, Russian, Spanish, Swedish
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- 1M Finance Plus (Monthly) $2.49
- 1M Finance Plus (Yearly) $23.99
- Copyright
- © 2026 Ion Razvan Ghinea