1M Finance

Your financial data stays on your phone — not on someone else's server. 1M Finance is the privacy-first expense tracker with Sankey cash flow diagrams, 100+ currencies, crypto, commodities and a generous free trial to experience everything before deciding.
PRIVACY BY DESIGN
Your financial data lives in a local database on your device. We cannot see your financial data. Sign in with email, Google, or Apple to get started, and after that the app works offline for day-to-day use. Internet is only needed at sign-up and to refresh exchange rates.
If you want backups, connect your own iCloud Drive. The backup goes to your iCloud, under your control. We have no access to it.
• Biometric lock with Face ID or fingerprint
• Tap once to hide all balances when someone's looking over your shoulder
• No ads. No ad tracking. No data selling. We sell a subscription, not your data.
TRY THE FULL APP FREE
We want you to actually experience the app before deciding on a subscription. New users get a free trial of the complete premium feature set. After that, the free tier still gives you unlimited transactions. We'd rather you stay on free and love the app than feel pressured into paying.
SANKEY FLOW DIAGRAMS
This is the feature people open the app just to look at. A Sankey diagram draws your income as a flow that splits through expense categories and lands in savings. You can immediately see which categories are eating the biggest share of your income. Most expense trackers give you pie charts. This shows you the actual cash flow.
MULTIPLE CHART TYPES AND FINANCIAL METRICS
Bar, Grouped Bar, Line, Pie, Net Worth evolution, Budget vs. Actual, and Sankey Flow. Each chart answers a different question about your money.
Beyond charts, there are financial health metrics that go deeper than a simple balance:
• Debt-to-Income ratio
• Liquidity Runway (how many months of expenses your liquid assets cover)
• FX Exposure across your holdings
• Forecasting and projections based on your actual spending patterns
100+ CURRENCIES, CRYPTO, AND COMMODITIES
Manage accounts in different currencies and the app handles conversion automatically with current exchange rates. Track crypto or commodity holdings alongside your regular accounts. If you hold assets in multiple currencies, there's an FX exposure breakdown so you can see how diversified your holdings actually are.
BUDGETS WITH TEETH
Set monthly budgets by category. Progress bars fill up as you spend, so you know where you stand mid-month. The Budget vs. Actual chart puts your longer term plan next to your real spending.
THE DAY-TO-DAY STUFF
• Log expenses, income, and transfers between accounts
• Categories and subcategories, organized however makes sense to you
• Recurring transactions for rent, salary, subscriptions (set it up once)
• CSV import and export, so your data is never locked in
• Track regular, savings, and debt accounts
• Net worth calculated across all accounts and currencies
We built 1M Finance because the finance apps we tried either sold our data, lacked multi-currency support, or hid basic features behind a paywall. This is our answer to that.
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.
Terms of Service: https://finance.one-m.app/terms
Privacy Policy: https://finance.one-m.app/privacy