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.