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 and no bank login. The money you track stays on your device, and no one else can see it.
- 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 your device, and budgeting works 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.