Best Fern alternatives: apps like Fern: Cycle Budget Planner

DebtTracker: IOU & Loan Log

Who Owes Me? Lend & Borrow

Free

Easily track who owes you money and who you owe. Log loans, record payments, and get reminders for due dates. Keep all your IOUs and personal loan details in a private ledger without needing an account or subscription.

Flux: Budget & Expense Tracker

Offline Money & Receipt Scan

Free

This privacy-focused expense tracker operates entirely offline, keeping your financial data secure on your device. It uses on-device AI for receipt scanning and offers smart budgeting tools with clear visualizations. Log expenses hands-free with Siri shortcuts and monitor spending with home screen widgets.

Windfall - Expense Tracker

Log spending in one sentence

Free

Effortlessly track expenses using natural language, voice commands, or receipt scanning. Visualize spending trends, set budgets, and gain financial awareness without connecting to your bank. Offers smart alerts and customizable transaction details.

Debtyy – Debt Tracker & IOU

Who owes me? Loans to friends

Free

Easily track money lent to friends or borrowed from family. Record payments, set reminders, and manage all your personal loans and IOUs in one private place. Focuses solely on interpersonal debt, not general expenses.

Moneta: Money Tracker & Budget

Track spending and savings

Free

A private budget planner and money manager designed for clarity and control. Track spending, plan ahead, and reach your financial goals without linking bank accounts or dealing with ads and complexity. Offers manual tracking, customizable budgets, and visual summaries.