Budgeting App for Expenses, Cash Flow, and Investments

A budget in one app, savings in another

When spending, savings, and investments are in separate tools, you know what you spent but not what it changed. The budgeting app shows the overspend; the account that paid for it is somewhere else.

Spending and balances in the same records

1cc.ai keeps expense records next to cash balances and holdings. A budget review covers where money went, how cash changed, and how the portfolio moved in the same period.

Included today

Expenses and cash flow

Record daily spending by category and see cash flow for the period next to your balances.

Spending against holdings

See whether a higher-spending month also moved cash reserves or long-term holdings.

No export yet

CSV and Excel export are not currently available. Review budgets inside the app and keep outside records separately if you need them.

Use Cases

Review monthly spending next to the month's change in net worth.

Keep a personal budget in the same account as stocks, ETFs, bonds, gold, and cash.

Keep any records you need for tax preparation separately, since the app does not export yet.

From everyday records to long-term plans.

Understand where your money goes.

Record income and spending, review cash flow, and keep balances in different currencies together with the exchange rate used.

Make a plan for financial independence.

Set a FIRE goal from spending and investable assets. Compare contribution and return assumptions, adjust your plan and revisit the action after its review period.

Frequently asked questions

Is 1cc.ai only a budgeting app?

No. Budgeting is one part. The same account tracks cash, net worth, and holdings in US stocks, ETFs, options, US Treasuries, and gold.

Can I export budget and expense records?

Not currently. CSV and Excel export are not implemented in the current app.

Does 1cc.ai give budgeting advice?

No. It records spending and summarizes patterns. It does not give financial, legal, or tax advice.