ERN Finance

ERN Finance is a privacy-first expense tracker, budget planner, and money manager for cash, banks, and e-wallets. Track spending, plan bills and savings goals, manage receivables and sinking funds, and see what’s safe to spend—without an account.

KNOW WHAT’S SAFE TO SPEND See a clear Safe to Spend estimate after considering your reserve, open dues, planned expenses, and expected income.

MANAGE YOUR MONEY • Track cash, bank, e-wallet, and other accounts • Log expenses, income, and transfers • Organize transactions using categories • Monitor balances and recent activity • Plan goals, budgets, installments, bills, and expected income • View credit card dues and billing details with ERN Pro

SINKING FUND MANAGER — PRO Manage shared or pooled funds in one organized place. • Add and update fund members • Track collections and contribution status • Record loans, repayments, and interest • Monitor available cash and total fund value • View fund projections and member allocations • Generate shareable receipt images

FREE VERSION Create one Cash account and one additional Bank, E-Wallet, or Other account, for a maximum of two accounts.

ERN PRO — ONE-TIME PURCHASE Unlock ERN Pro with one purchase for lifetime access to: • Additional and unlimited accounts • Credit card management • Sinking Fund Manager • Future Pro improvements included with this version of ERN Finance

PRIVACY FIRST ERN Finance does not require an account. Your financial records are stored locally on your device unless you choose to export, back up, or share them.

ERN Finance is a personal planning and record-keeping tool. It does not provide financial, investment, tax, or legal advice.