Fern vs PiggySpy

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/

PiggySpy turns tracking your money into detective work — and it stays out of your way while doing it. ADD AN EXPENSE IN THREE TAPS A numeric keypad with a built-in calculator. Type 12+8, pick a category, done. SEE WHERE IT GOES A donut chart by category for any period: day, week, month, year or a custom range. Charts for spending over time, income against expenses and money flow. A REPORT THAT WATCHES THE MONTH A month-end forecast, a comparison with your typical month and your spending pace. Categories that stray from the usual stand out at once — and any category can carry a monthly limit. SAVINGS, KEPT SEPARATE Mark a category as savings — bonds or a deposit stop counting as spending and get their own place on the home screen, in the report and on the charts. SHARE AN ACCOUNT Run a household budget with someone else. Both of you see and add entries on the same account, using the same categories, so the totals always agree. Your other accounts stay private. BRING YOUR HISTORY WITH YOU Import a CSV from another app — PiggySpy proposes the column mapping and creates missing categories. Export back to CSV or paste straight into a spreadsheet. MADE FOR EVERY DAY Multiple accounts. Recurring payments added automatically. Face ID lock. Themes and colours you can adjust. Available in English, Polish, German, Spanish, French, Italian, Portuguese, Japanese and Chinese. YOUR DATA IS YOURS Everything lives on your device and in your private iCloud. There is no PiggySpy server, no account to create, no ads and no tracking. We cannot see your finances — nobody can. FREE, WITH AN OPTIONAL TIP Every feature above is free forever. If PiggySpy earns its keep, you can support it — supporters get an alternate app icon, True Black mode, extra themes and shared accounts. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://github.com/sucre06/PiggySpy-assets/blob/main/privacy-policy.md