1cc.ai is a free privacy-first personal finance app for tracking expenses, cash, stocks, ETFs, bonds, gold, and net worth in one view without moving your financial records into a company ledger.
Move from everyday spending to long-term holdings in the same app. Each view keeps the important numbers visible and the deeper detail one tap away.
Cash flow, balances, and investments in one daily view.
Use a free expense tracker app that keeps daily spending, cash flow, and portfolio context together instead of splitting records across tools.
Turn a busy review period into a short, readable summary across spending and holdings. The analysis stays informational and every financial decision remains yours.
No financial, legal, or tax advice. Read the complete AI boundaries.
Generate a plain-language recap of what changed across holdings, net worth, and the main drivers behind a review period.
Highlight when one asset class has become a larger share of the portfolio, making concentration and rebalancing questions easier to spot.
Call out unusual spending, repeating outliers, and cash flow changes so users can review what deserves a closer look.
Financial data is stored in an encrypted database on your device. When sync is enabled, it moves through your personal cloud storage, not a central 1cc.ai ledger.
Financial records are stored in an encrypted database on your device rather than in a central company ledger.
When sync is enabled, your personal cloud storage becomes the transport and storage layer for your records.
Users can export transaction history and asset reports for outside analysis, accounting review, or personal archiving.
All current tracking, analysis, privacy, and export features are available without a subscription charge.
Download 1cc.ai for free and start with the records you already have. No credit card and no subscription required.
The practical details about privacy, supported assets, sync, and cost.
Yes. 1cc.ai uses a privacy-first setup. Your financial records stay in an encrypted database on your device, and the website does not claim custody of those records on its own servers. If you enable synchronization, the app sends data directly between your device and your personal cloud storage.
1cc.ai combines daily finance tracking with multi-asset monitoring. You can record expenses and follow holdings across US stocks, ETFs, options, gold, and US Treasury Bonds in one view.
Yes. 1cc.ai is free to download and free to use. The free app includes expanded tracking, AI-powered insights, and export tools without requiring a credit card or subscription.
Yes. You can export transaction history and asset reports to CSV or Excel so you can review the data yourself or share it with an accountant or advisor.
When sync is enabled, 1cc.ai uses your personal cloud storage rather than a dedicated company vault for your financial records. The goal is to let you move between devices without handing over routine access to your ledger data.
