1M Finance
Privacy-focused expense and budget tracker for mobile, offering offline, local data storage, multi-currency and asset management, Sankey flow charts, recurring cost calendar, day-to-day spend heatmap, CSV import/export, and no connection to financial institutions.
Cost / License
- Freemium (Subscription)
- Proprietary
Application types
Platforms
- Android
- iPhone
Features
Properties
- Privacy focused
Features
- Works Offline
- Cloud Sync
- Dark Mode
- Cash Flow Analysis
- Recurring Billing
- Import CSV Data
- No registration required
- Currency Conversion
- Ad-free
- Support for multiple currencies
- Expense Tracking
1M Finance News & Activities
Recent activities
filetech added 1M Finance as alternative to AI Money Manager- Danilo_Venom updated 1M Finance
- AdiIordache added 1M Finance
AdiIordache added 1M Finance as alternative to GnuCash, Actual Budget, GreenStash and MoneyWallet
1M Finance information
Developed by
Ion Razvan Ghinea Licensing
Proprietary and Freemium product.Pricing
Subscription that costs $2 per month + free version with limited functionality.Alternatives
38 alternatives listedSupported Languages
- English
- Afrikaans
- Czech
- Danish
- French
- German
- Italian
- Norwegian Bokmål
- Polish
- Portuguese
- Romanian
- Russian
- Spanish
- Swedish
What is 1M Finance?
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 or Google Drive account.
SEE WHERE YOUR MONEY GOES
Most budget apps show static charts. 1M Finance shows the flow: income, spending, and savings in one Sankey view. Budgets, recurring costs, net worth, runway, and currency exposure cover both day-to-day spending and the bigger picture.
QUICK ADD WITH SHORTCUTS
On supported iPhones, set up Shortcuts automation to open a prefilled expense draft after eligible Apple Pay or Apple Wallet payments, with amount, merchant, and card details 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.
PLAN RECURRING COSTS
Use the recurring calendar to see upcoming payments in context. A daily spend heatmap makes 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, so you can see what is coming up without turning projected payments into ledger entries.
TRACK MORE THAN ONE CURRENCY
Track cash, savings, debt, Bitcoin, gold, and other holdings in one place, with automatic exchange-rate conversion, currency exposure analysis, and savings runway estimation. 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, and optional backups. Privacy Mode and biometric app lock help keep balances hidden when someone else is nearby. CSV import and export are included. Available in 14 languages.
