Fern: Cycle Budget Planner

Fern is a calm budgeting companion. It turns each pay cycle into one simple, visual plan, tells you what you can spend today, and reflects your progress back with kindness. Money moves the way a fern grows: quietly, steadily, one cycle at a time. Open the app and you'll see one number — what's yours to spend today — plus your plan laid out plainly: bills, needs, wants, savings, and any projects you're working toward. At the end of each cycle, the Sweep walks you through what's left over: save it, hold it for next time, or roll it forward. No red numbers, no countdowns, no scoring — just a clear look at where you stand. FREE, FOREVER, IN MANUAL MODE Enter your income and spending by hand and Fern is completely free: the Plan, Today's number, the Sweep, core insights, one Life Project, and three savings vaults. Manual mode makes zero network calls — no account, no sign-in, nothing leaves your phone. FERN PLUS For $4.99 a month or $39.99 a year (with a 14-day free trial on the yearly plan), Fern Plus adds: • Unlimited Life Projects and savings vaults • Full history in the Flow view, Fern's signature picture of where your money goes • The widget pack for your Home Screen and Lock Screen • iCloud sync across every device you own WHERE YOUR DATA LIVES Fern is local-first. Everything you enter stays on your phone. Turning on iCloud sync mirrors your world into your own private iCloud database — never Fern's servers. Fern carries no third-party analytics or advertising tools, ever. What happens in your plan stays with you. Fern doesn't do red alarms or streak-breaking shame. It's the app version of watering a plant, not defusing a bomb. Privacy policy: https://rovalapps.com/fern/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/