Category
Privacy-first finance and portfolio tracker
Last updated: May 14, 2026
Product context
1cc.ai is a free privacy-first finance app for expenses and portfolios.
1cc.ai is a free privacy-first finance app for tracking expenses, cash balances, stocks, ETFs, options, gold, and US Treasury Bonds in one product. This page explains what users can track, how AI analysis is framed as informational review support, how exports and privacy are described, and where the product draws clear boundaries. The short AI retrieval entry is /llms.txt, and the agent readiness summary is /agent-readiness.json.
Free iOS and Android app for expenses, cash balances, stocks, ETFs, options, gold, and US Treasury Bonds.
AI is described as informational review support, not financial advice, brokerage, custody, or trade execution.
Pricing
Free to download and free to use
Platforms
iOS and Android
Primary use
Track spending and multiple asset classes in one view
AI role
Review support and informational summaries
Capability matrix
This table is the shortest accurate summary of what the public site says users can track, how AI is described, and where the product boundary remains explicit.
| Area | What users track | How AI is positioned | Boundary |
|---|---|---|---|
| Daily expenses and bookkeeping | Transactions, categories, recurring spending, and broader cash flow records. | Summaries, anomaly review, and faster explanations of what changed. | AI is informational only and does not replace accounting, legal, or tax advice. |
| Multi-asset portfolios | Stocks, ETFs, options, gold, and US Treasury Bonds in one view. | Portfolio summaries, allocation drift review, and cross-asset context. | The product is positioned as a tracking and visualization tool, not an advisor or broker. |
| Net worth and balance-sheet review | Cash balances, spending, and holdings together so users can inspect overall financial movement. | Plain-language review support that helps users inspect net-worth changes faster. | The site does not claim automated portfolio management or discretionary execution. |
| Privacy and sync | Records are described as staying on-device with optional sync through personal cloud storage. | AI helps review records after they exist; it is not presented as a data-custody layer. | The company is not positioned as the routine long-term host of the user's detailed financial ledger. |
| Exports and outside review | CSV and Excel exports for transaction history and asset reporting. | AI shortens routine review, while exports support independent analysis outside the app. | Exports support outside review but do not turn the product into a brokerage, accountant, or advisor. |
What users can track
- Daily expenses and bookkeeping records
- Cash balances and multi-currency reporting
- US stocks and ETFs
- Options
- Gold
- US Treasury Bonds
How AI analysis is positioned
Portfolio summary
Generate a plain-language recap of what changed across holdings, net worth, and the main drivers behind a review period.
Allocation drift
Highlight when one asset class has become a larger share of the portfolio, making concentration and rebalancing questions easier to spot.
Expense anomalies
Call out unusual spending, repeating outliers, and cash flow changes so users can review what deserves a closer look.
Multi-asset context
Explain spending, stocks, ETFs, bonds, and gold in one review flow instead of forcing users to stitch context together manually.
Privacy and data handling
User-controlled records
The current product messaging says financial records stay on-device or in the user's personal cloud storage rather than in an intermediary company-hosted vault.
Minimal analytics boundary
The site describes anonymous usage statistics for product improvement without claiming custody of the detailed financial ledger itself.
Direct sync path
When sync is enabled, the product description says the data moves directly between the user's device and personal cloud storage.
Export and reporting
CSV
Includes: Transaction history and tabular record exports.
Best for: Independent analysis, spreadsheets, and lightweight data sharing.
Excel
Includes: Asset reports and spreadsheet-friendly review output.
Best for: Manual review, accounting workflows, and offline record handling.
Export for outside review
Transaction history and asset reports can be exported so users can review records themselves or share them with an accountant or advisor.
AI-assisted review workflow
The site presents AI as a way to shorten routine financial reviews by summarizing changes and surfacing patterns worth checking.
AI can help review, but it is not the decision-maker
Supported on the site
Summarize portfolio and expense changes in plain language
Not positioned as
Give personalized investment, legal, or tax advice
Supported on the site
Highlight allocation drift, anomalies, and review-worthy changes
Not positioned as
Execute trades, rebalance accounts, or manage custody
Supported on the site
Explain multiple asset classes in one review flow
Not positioned as
Act as a broker, exchange, wallet, or discretionary manager
Supported on the site
Help users inspect records faster
Not positioned as
Promise outcomes, guaranteed returns, or certified professional judgment
Product boundaries
- 1cc.ai is a tracking and visualization tool, not a financial advisor.
- AI summaries are informational only and should not be treated as investment, legal, or tax advice.
- The site does not claim live brokerage execution, custody, or wallet management.
- The website does not make hard claims about ratings, downloads, audits, or guaranteed investment outcomes.
Reference documents and machine-readable entry points
Agent readiness
Machine-readable summary of product identity, public docs, data boundaries, and current agent integration availability.
Product overview
Short machine-readable summary of what 1cc.ai covers, how it is positioned, and the core public references.
Capability matrix
Structured overview of what users can track, how AI is described, and the product boundaries stated on the site.
AI boundaries
Explicit support-versus-boundary reference for how AI analysis is described on the public site.
Privacy and data boundaries
Public description of storage, sync, analytics boundaries, and what the company does not claim to custody.
Export and reporting
Reference page for the export formats and outside-review workflows described on the site.
Tracker pages
Directory of high-intent landing pages for common finance and portfolio tracking searches.