Fern: Budget & Expense Tracker

No banks. No sign-ups. No subscriptions. Just your money, written down by you and kept on your phone. Fern is a quiet little budget tracker for people who'd rather log their own spending than hand a bank account over to an app. You add what you spent, pick a category, and see where your money actually went. That's it. No login, no ads, nothing watching over your shoulder. WHY PEOPLE LIKE FERN 🌿 It's actually private. No account, no bank connection, and nothing you type ever leaves your phone. 🌿 It's calm. The screen stays quiet and out of your way. No noise, no nagging to upgrade. 🌿 It's quick. Add your first expense in a few seconds and skip the long setup. 🌿 It's free to download. WHAT YOU CAN KEEP TRACK OF • Expenses, income, and transfers between your accounts • All your wallets in one place: cash, e-wallets, bank accounts, even credit cards, each with its own balance • Monthly budgets for each category, so you can see what's on track and what's slipping • Recurring bills, with reminders so you don't forget one • Savings goals, so you can set a target and watch your ipon grow • Money you've lent out, and money you still owe YOUR WHOLE MONTH AT A GLANCE Fern tells you what's actually safe to spend after your bills and savings are set aside, so you're never guessing. Make your own categories, tap in amounts on a fast keypad, pin the ones you use most, and save templates for the things you buy again and again. You can even just type "lunch 350 yesterday" and Fern sorts out the rest. YOUR DATA STAYS YOURS • Everything lives on your phone and works with no signal at all • Export to CSV whenever you want it • Back up and restore from a single file • Lock it behind your fingerprint or face if you like Made with the Philippines in mind. Peso first, with the categories and money habits you actually use day to day. If you've been meaning to get a handle on your spending the calm, private way, give Fern a try. Add your first transaction today.