Stop guessing
what's yours
How It Works
/ From deposit to peace of mind
Connect your accounts
Sync your checking via a secure bank connection
We set aside your taxes
Confirm a deposit and your reserve % moves to your own tax savings
Know what's Safe to Spend
Your true liquid balance, minus what you owe — in real time
Features
/ Built for variable income
One-Tap Tax Set-Aside
Confirm a deposit and Fern moves your reserve into your own tax-savings account.
Safe to Spend
A single, deterministic number showing your liquid cash after tax obligations.
Smart Reserve Rates
Dynamic reserve-rate estimates based on your real income and federal/state brackets.
Deterministic, Not Guesswork
Rule-based logic you control — no probabilistic AI deciding what your money does.
Custodial
Accounts
No second bank account required. Soon, Fern can hold and manage your tax reserves in a secure, yield-bearing custodial account.
Planned — not yet available. Subject to partner-bank and licensing requirements; yields and custody are not guaranteed. Not financial advice.
Automatic Tax Routing
We automatically sweep, hold, and pay your quarterly taxes directly to the IRS.
Yield-Bearing Reserves
Your tax reserves earn high-yield interest while they wait for quarterly payment deadlines.
INCOMING PAYMENT
Client Deposit
Safe to Spend
$3,500.00
Tax Reserve
$1,500.00
Forward-looking,
not retrospective
Other tools categorize your past expenses for tax season. Fern actively manages your daily liquidity — moving money between your own accounts the moment you confirm a deposit, so your taxes are set aside before you spend it.
The result is critical financial infrastructure for the self-employed, not just another dashboard.