Fendu vs Yearn

Most money apps tell you where your money went. Fendu helps you decide where your take-home pay is going before it leaves your account. Start with each paycheck. Allocate money to bills, credit cards, savings, checking accounts, and everyday spending before payday turns into guesswork. Fendu shows what is already spoken for, what still needs a plan, and what is actually safe to spend. Plan your paycheck before you spend it. Set your take-home pay, pay schedule, deposit accounts, and recurring bills. Fendu turns every paycheck into a clear allocation plan. Put bills on the right paycheck. Assign rent, subscriptions, loans, utilities, credit card payments, and other recurring bills to the paycheck that should cover them. Move a bill for one pay period when cash flow changes. Split income across accounts. Plan fixed deposits into checking, savings, or other accounts, then send the remainder where it belongs. Track actual spending against the plan. Log purchases, transfers, and refunds as they happen. Fendu updates your remaining amount so you can see whether the paycheck is still on track. See where every dollar is going. Flow view shows how each paycheck is allocated across bills, accounts, categories, and spending. Stay ahead without extra noise. Optional local notifications can remind you when payday arrives, when bills are coming up, or when most of a paycheck has already been used. Widgets and Live Activities keep your remaining balance close. Private by design. Your data stays on your device and syncs through your iCloud. No third-party finance server is required. Fendu is for anyone who thinks in paychecks: people replacing a budgeting spreadsheet, managing bills between paydays, or trying to stop wondering, "Can I actually spend this?" — FENDU PRO — Fendu is free to use with up to 1 checking account, 1 savings account, 1 credit card, and 2 recurring bills. Fendu Pro is an optional auto-renewing subscription that unlocks: • Unlimited recurring bills • Unlimited credit cards • Unlimited deposit accounts • Paycheck splits across more than two accounts • Income tracking (side gigs, extra income, refunds beyond the basics) • 7-day free trial on first subscription Pricing: • Monthly: $3.99 per month • Yearly: $29.99 per year (save 37%) Payment is charged to your Apple ID at confirmation of purchase. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. Manage or cancel anytime in your App Store account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://fendu.app/privacy

Yearn is a paycheck budget planner built on envelope budgeting, made for tips, gig work, hourly shifts, and contract pay. Every bill and goal is funded by its due date, from whatever paycheck schedule you're on. Most budgeting apps assume the same paycheck lands every two weeks. Yearn doesn't. Set a funding schedule that matches your payday, weekly, biweekly, twice a month, or monthly, and Yearn works out what each paycheck needs to cover. What's left is your Free to Spend: the money that is truly yours after bills and goals are handled. BUDGET BY PAYCHECK Create an envelope for each bill or goal, give it a due date and an amount, then attach it to a funding schedule. On each funding date, Yearn calculates how much to set aside so every bill is fully funded by the day it's due. Bills can repeat weekly, biweekly, twice a month, monthly, quarterly, or yearly. No spreadsheets, no mental math. ENVELOPE BUDGETING FOR VARIABLE INCOME The envelope method works for irregular income because Yearn never asks how much you make. It only asks what you owe and when. Every envelope shows its status at a glance: Ready, On track, Ahead, or Behind, so you know before payday whether next week's check will stretch. FREE TO SPEND, ALWAYS VISIBLE One number, always current: what you can spend today without touching money that already belongs to a bill. It updates each time a funding schedule runs on the payday you chose, and whenever a purchase is matched to an envelope. BILL TRACKER, GOAL TRACKER, SPENDING CHARTS Real-time progress on every bill and savings goal. Cash flow, spending by category, upcoming bills, and a six-month trend, all built from your own transactions. YOUR BANK, YOUR CHOICE Track manually, or connect your bank with a secure, read-only Plaid connection so balances and transactions stay in sync. Auto Spend matches purchases to the right envelope automatically. Import transactions from CSV, OFX, or QFX files, reconcile balances when they drift, and review your balance history. Yearn never moves money in your bank account. WHAT YOU GET - Paycheck budget planner with automated envelope funding - Funding schedules for weekly, biweekly, semi-monthly, and monthly pay - Free to Spend calculated after every bill and goal - Bill tracker and expense tracker with due-date progress - Auto Spend: purchases matched to envelopes automatically - Manual tracking or read-only bank sync via Plaid, with CSV/OFX/QFX import - Multiple accounts from the same bank in one dashboard - Spending charts: cash flow, categories, upcoming bills, six-month trend - Push or email alerts for new transactions - Biometric login, dark mode, and multi-currency support - Zero-based budgeting without the monthly straitjacket - Also available on the web at yearnapp.io WHO IT'S FOR Hourly workers, tipped and hospitality staff, gig and delivery drivers, independent contractors, freelancers, self-employed people, and anyone living paycheck to paycheck who wants a budget app that finally matches their pay schedule. Yearn was built by a founder who got tired of budgeting apps designed for W-2 salaries. If your income changes every week, this is the money manager made for you. Free plan available. No credit card required. 30-day free trial on paid plans. https://www.apple.com/legal/internet-services/itunes/dev/stdeula/