Straight answers

A calm place to sort small-business bookkeeping. Upload the records you already have, review likely matches and category suggestions, and confirm decisions in short sessions.

Small-business owners and operators who want help organizing expenses without giving up control of every decision—especially if the pile has gotten a little behind.

No. Financial Fern does not currently connect directly to bank accounts or collect bank-login credentials. You upload the statements and receipts you choose to provide.

No. Financial Fern does not provide accounting, tax, legal, investment or financial advice. Suggestions should be reviewed by you and, when appropriate, a qualified professional.

Bank or card statements (spreadsheets or PDFs), receipt photos or PDFs, and supported Amazon or Shopify order exports. You choose what to share.

Fern compares dates, amounts and merchant details to find receipts or orders that may belong with each transaction. A likely match is only a suggestion until you confirm it.

Yes. Work for two minutes or twenty. Completed decisions stay saved, and unfinished items wait for your next session.

No. Fern suggests a match or category. You confirm it, change it or skip it. Nothing is final without your action.

Yes. Certain features send limited transaction, receipt or order information to OpenRouter and selected model providers to generate matching or categorization suggestions. See the Privacy Policy for more detail.

We do not promise that OpenRouter or its model providers will never retain or train on information sent for suggestions. Review the Privacy Policy and those providers’ policies for the current picture.

To request deletion of your account and associated data, email fern@financialfern.com from the address associated with your account.

Email fern@financialfern.com. The same mailbox is used for product questions, privacy requests and security concerns.