1M Finance: Money Manager

1M Finance is a privacy-first personal finance and expense tracker built to show where your money actually goes.
The Sankey cash flow view turns income, spending, and savings into a clear visual, with net worth tracking and multi-currency support in the same app.

PRIVATE BY DESIGN
Your financial data stays on your device. We do not connect to your bank, sell your data, or use cross-app tracking.
We sell a subscription, not your data.
Backups go to your own Google Drive account. We do not access your backup data.

• No ads
• Biometric app lock
• Privacy mode to hide balances with one tap
• Day-to-day tracking works fully offline after sign-in
• Internet access is used for exchange-rate refreshes, Google Drive backup, sign-in, subscription verification, and app diagnostics

FREE TIER
• Track expenses, income, transfers, recurring transactions, savings, and debt accounts
• Visualize money with Sankey cash flow, bar, line, pie, and net worth charts
• Organize spending with categories and subcategories that fit how you think about your money
• Manage 100+ currencies with current exchange rates and track crypto or commodity balances alongside your regular accounts
• See net worth, liquidity runway, debt-to-income, and FX exposure
• Import and export CSV so your data is never locked in

Sankey Flow makes it easy to see how income moves through spending categories and lands in savings, so you can see where your money actually goes.
Most trackers give you a pie chart. This shows you the flow.

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, so you can plan what is coming up without turning projected payments into ledger entries.

1M FINANCE PLUS
Unlock:
• Budgeting across income and expenses — see where you stand mid-month
• Budget vs Actual and Forecast / Projection charts — based on your real spending patterns
• Recurring calendar with daily spend heatmap and upcoming recurring costs
• Financial Summary with net worth breakdown, key financial indicators, and currency exposure — all in one view
• Period comparisons and additional analytics ranges
• Automatic backup scheduling to your own Google Drive
• Daily exchange-rate updates
• Unlimited accounts and categories

TRY IT FIRST
Eligible new users can try 1M Finance Plus free for 3 months. After that, the free tier still includes unlimited transactions.

1M Finance was built as a privacy-first, multi-currency expense and budget tracker with clear cash-flow visuals and useful analytics.

Recent changes:
You can now use 1M Finance without an account:
• Start as a guest with your own accounts, categories and budgets — no signup
• Save your setup later and keep everything you entered
• Clearer empty states and a smaller, faster app
• Bug fixes and stability improvements