Fern: Cycle Budget Planner
Save money one day at a time
Only for iPhone
Free · In‑App Purchases · Designed for iPhone. Not verified for macOS.
iPhone
One number, once a day: what you can spend. Fern turns your pay cycle into a calm, honest plan — no accounts, no sign-in, nothing leaves your phone.
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/
Ratings & Reviews
- This app hasn’t received enough ratings or reviews to display an overview.
The developer, Roval Apps Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Roval Apps Inc.
- Size
- 21.4 MB
- Category
- Finance
- Compatibility
Requires iOS 17.0 or later.
- iPhone
Requires iOS 17.0 or later. - Mac
Requires macOS 14.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
9+
- 9+
- Contains
Health or Wellness Topics
- In-App Purchases
Yes
- Fern Plus Yearly $39.99
- Fern Plus Monthly $4.99
- Copyright
- © 2026 Roval Apps Inc.