Fern: Budget & Expense Tracker

No banks. No accounts. No subscription. Just your money, entered by you and kept on your device.

Fern is a calm, private budget tracker for people who'd rather track money by hand than connect a bank. Add a transaction, pick a category, and see exactly where your money goes.

WHY FERN

• Truly private. No sign-up, no bank login, no analytics. Your data never leaves your device.
• Calm by design. A quiet, uncluttered interface, no ads, no noise.
• Fast to start. No onboarding marathon. Add your first expense in seconds.
• Free, with no subscription. Start tracking today.

WHAT YOU CAN TRACK

• Expenses, income, and transfers between accounts
• Multiple wallets with live balances and net worth
• Monthly category budgets with clear progress
• Recurring bills, with reminders so nothing slips
• Savings goals. Set a target and watch it grow
• Credit cards and amounts owed

EVERYDAY MONEY, AT A GLANCE

Fern shows safe-to-spend and cash runway so you always know where you stand this month. Custom categories, a fast keypad, and pinned favorites keep daily entry quick.

YOUR DATA, YOUR CONTROL

• Stored on-device, works fully offline
• Export to CSV anytime
• Back up and restore with a single file
• Optional Face ID / Touch ID lock

Fern runs on iPhone and iPad.

Start budgeting the calm, private way. Download Fern and add your first transaction today.