# 1M Finance: Cash Flow Tracker — Budget, Net Worth, Private > Privacy-first cash flow and budget tracker for manual financial management. (iPhone/iPad app by Ion Razvan Ghinea.) - Source: https://appshunter.io/ios/app/1m-finance-cash-flow-tracker/id6759871691 (this page in markdown: same URL + `.md`) - Developer: [Ion Razvan Ghinea](https://appshunter.io/developer/1833060817) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 80 MB - Languages: American English, Afrikaans, Czech, Danish, French (France), German (Germany), Italian, Norwegian Bokmål, Polish, European Portuguese and 4 more - Released: 2026-03-23 - Data updated: 2026-08-06 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/1m-finance-cash-flow-tracker/id6759871691/reviews.md ## 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 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 ## Key features - Privacy-first local data storage - Offline day-to-day tracking - Sankey cash flow visualization - Budgeting and recurring cost planning - Multi-currency and asset tracking - Biometric app lock ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | 1M Finance Plus (Yearly) | $23.99 | per year | | 1M Finance Plus (Monthly) | $2.49 | per month | ## Recent user reviews (1 of 1) All indexed reviews: https://appshunter.io/ios/app/1m-finance-cash-flow-tracker/id6759871691/reviews.md ### 5/5 — Отзыв *2026-06-22* Благодарю за обратную связь по добавлению языка! Теперь я смогу пользоваться приложением **Developer response:** Спасибо большое за отзыв. И отдельное спасибо за обратную связь по переводу и помощь в том, чтобы сделать 1M Finance лучше! ## Frequently asked questions about 1M Finance ### Does 1M Finance have ads? No, 1M Finance does not display advertisements. The app is designed with a privacy-first approach and explicitly states it does not show ads. ### What is the pricing for 1M Finance Plus? 1M Finance Plus is available as a monthly subscription for $2.49 or a yearly subscription for $23.99. A 3-month free trial is offered for the monthly plan. ### How does 1M Finance handle user data and privacy? 1M Finance stores your financial records in a local database on your device, ensuring your data stays private. It does not connect to your bank, sell your data, or show ads. Optional backups use your own iCloud account. ### What devices is 1M Finance available on? Currently, 1M Finance is supported on iPhones. The app is rated for ages 4 and up. ### How often is 1M Finance updated? The latest version of 1M Finance is 1.3.9, and it was last updated on June 22, 2026. This indicates a recent update, suggesting ongoing development and support. ### Can I track multiple currencies with 1M Finance? Yes, 1M Finance is built for users who manage money across different currencies. You can track cash, savings, debt, Bitcoin, gold, and other multi-currency holdings in one place. ### What are the limitations of the free tier of 1M Finance? The free tier includes unlimited transactions and essential tracking features, but is limited to 5 accounts, 10 expense categories, 3 income categories, and analytics covering up to three months of history. ### How does 1M Finance compare to apps that connect to your bank? Unlike apps that connect to your bank, 1M Finance keeps your financial records entirely on your device for enhanced privacy. It focuses on manual tracking and provides detailed cash flow visualizations rather than automatic transaction imports. ## Version history (last 5 releases) ### 1.5.0 — 2026-08-03 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 ### 1.4.0 — 2026-07-19 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 ### 1.3.9 — 2026-06-22 Adds a new planning layer for your money: • New recurring calendar with daily spend heatmap and upcoming payments • Optional day-before reminders for recurring costs • Better Draft Review for Wallet quick add and imports • Import-first onboarding, expanded languages, navigation polish, and reliability fixes ### 1.2.0 — 2026-05-30 1.2.0 focuses on localization, reliability, and a cleaner foundation: • Added Czech, Polish, and Italian app support • Improved app diagnostics to help guide future reliability and product improvements • Fixed recurring transaction editing, Sankey chart labels, bottom sheet layouts, imports, backups, and localized account/budget wording ### 1.1.18 — 2026-05-26 Locale formatting improvements: • Numbers, currencies, and amount fields now follow local formatting rules • Better localized transaction entry, imports, forecasts, and paywall copy • Improved translated screen layouts and in-app message presentation --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-06.*