Windfall vs Fern

Turn a sentence into a transaction you can review. Type ‘Lunch at Starbucks $12’, ask Siri, or scan a receipt—Windfall prepares the merchant, amount, category, account, and date before you save. LOG SPENDING YOUR WAY • Describe expenses and income in natural language • Ask Siri, use Shortcuts, or run a personal automation • Review every prepared transaction before saving • Scan receipts or import multiple transactions NEVER MISS A BILL (PRO) • See upcoming bills and income on an Upcoming screen and on Home • Log recurring payments automatically, or have Windfall ask first • Get reminders, price-change alerts, and a duplicate warning • Find recurring payments hiding in your history • Budgets set money aside for bills that are coming up • Check and log payments with Siri, Shortcuts, and Spotlight ACCOUNTS THAT LOOK LIKE CARDS • Pick a card design and a network such as Visa, Mastercard, American Express, or Discover • Tap a card to flip it, or drag to tilt it • Account pickers suggest the account you usually use at a merchant, and tell you why KEEP YOUR MONEY CLEAR • See weekly, monthly, and yearly budget progress • Follow trends, categories, forecasts, and activity heat maps • Use merchant logos, calendar browsing, search, and CSV export • Track multiple currencies with exchange-rate conversion NO BANK LOGIN REQUIRED Windfall never asks for banking credentials or connects to your bank. Saved financial records stay on your device. Smart Entry can run on device; when Automatic or receipt parsing uses a service provider, only the text, receipt image, and relevant context needed to return the parsed result are sent. Choose your parsing mode in Settings. A focused ledger, ready for your approval, with native iPhone tools that fit your routine. EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://trywindfall.app/privacy

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/