# Saro: AI Expense Tracker — Budget Planner & Spending Log > AI-powered offline income and expense tracker with receipt scanning and voice input. (iPhone/iPad app by Nadezhda Volkova.) - Source: https://appshunter.io/ios/app/saro-ai-expense-tracker/id6740823154 (this page in markdown: same URL + `.md`) - Developer: [Nadezhda Volkova](https://appshunter.io/developer/1791778877) - Category: Finance, Productivity - Price: Free with in-app purchases - Rating: 5.00/5 from 2 App Store ratings - Age rating: 4+ - Requires: iOS 17.0 · 53 MB - Languages: American English, French (France), German (Germany), Japanese, Korean, Brazilian Portuguese, Russian, Chinese (Simplified, China), European Spanish - Released: 2025-01-31 - Data updated: 2026-08-06 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/saro-ai-expense-tracker/id6740823154/reviews.md ## What is Saro? Saro — Offline Income and Expense Tracker Saro turns scattered receipts, transfers and goals into a single clear picture of your finances. Powered by AI, designed for everyday life, and built to respect your privacy — it is the finance app that adapts to the way you actually live. Whether you log every coffee or just want to know where the month went, Saro keeps up. Snap a receipt, speak a transaction, or chat with the built-in assistant — your numbers always end up exactly where they belong. AI Assistant in Chat • Talk to your finances. Ask Saro to create a transaction, set up a monthly budget, plan a savings goal, or break down where your money went last week — all in a conversation. Drop in a photo of a receipt and the assistant reads it, categorizes it, and adds it to your records in seconds. It is like having a financial copilot living inside your phone. AI Receipt and Document Scanning • Add expenses in a single shot. Point your camera at a receipt, an invoice, or any printed document — Saro recognizes amounts, merchants, categories and dates automatically. Import existing photos from your library and let AI handle the paperwork. Voice Input • Hands full? Just talk. Tell Saro "twelve for lunch" or "got paid 2,500 for the freelance project" and the right amount and category land in your ledger instantly. iCloud Sync • Your data follows you. Every transaction, account, goal and budget stays seamlessly in sync across iPhone, iPad and every other Apple device on your iCloud — securely and automatically. Native iPad Experience • A full adaptive layout designed for the iPad's bigger canvas. See your dashboard, statistics and lists side by side, and manage your money with the comfort of a real workspace. Advanced Statistics • Go beyond pretty charts. Compare this period to the previous one by category, see your biggest transactions, and track average income and spending over any timeframe. Spot the trends that quietly shape your budget. Widgets for Home Screen and Lock Screen • Your balance, recent transactions and most-used categories — one tap away from every screen. Launch the AI camera, add a transaction, or jump into a category directly from your widget, no app launch required. Powerful Search and Filters • Find any transaction in seconds. Search by description or category, or narrow down by an amount range — perfect for tracking down that one purchase from three months ago. Flexible Balance • Choose how your balance is calculated — all time, current month, or current quarter — and show it exactly where you want it: on the dashboard, in a widget, or both. Income and Expense Tracking • Log income, expenses and transfers between accounts or savings goals. Notes, attachments and a built-in calculator make every entry effortless. Financial Goals • Set savings goals for the new bike, the long vacation, or the emergency fund. Track your progress visually and route money toward them through transfers. Flexible Budgets • Plan with precision. Build budgets for a single category or combine several into one (think "Dining Out" plus "Entertainment" together), set limits, and see what is left to spend at a glance. Debt Management • Track money you have lent and money you owe, with dates and notes, so every loan, IOU and split bill stays under control. Multi-Currency Accounts • Travel and earn in any currency. Hold wallets in different currencies, transfer between them, and see your total balance converted to your home currency. Customizable Interface • Personalize your dashboard. Hide what you do not use, surface what matters, and arrange the cards the way your brain works. Privacy First, Offline by Design • Saro works fully offline — no account required, no tracking, no ads. Optional Face ID and passcode lock keep your data yours and yours alone. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - AI chat assistant for financial queries - AI receipt and document scanning - Voice input for transactions - iCloud sync across Apple devices - Advanced statistics and insights - Home and Lock Screen widgets - Income and expense tracking - Financial goal setting ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Year | $49.99 | per year | | Month | $4.99 | per month | ## Frequently asked questions about Saro ### How does Saro help manage my money? Saro provides an offline income and expense tracker powered by AI. It allows you to log transactions through voice commands, by scanning receipts, or by chatting with its AI assistant, offering a clear overview of your financial activity. ### What are the subscription options for Saro? Saro offers a monthly subscription for $4.99 and an annual subscription for $49.99. The annual plan includes a 7-day free trial, allowing you to explore its premium features before committing. ### Is Saro secure for my financial data? Saro is designed with privacy in mind and offers offline tracking. Your data is synced securely via iCloud across your Apple devices, ensuring your financial information is protected. ### Can I use Saro on multiple Apple devices? Yes, Saro utilizes iCloud Sync to seamlessly keep all your transactions, accounts, goals, and budgets updated across your iPhone, iPad, and other Apple devices. ### How often is Saro updated? The latest version of Saro is 5.0, and it was last updated on May 28, 2026. This indicates a commitment to ongoing development and improvements. ### What is the age rating for Saro? Saro has an age rating of 4+, making it suitable for a wide range of users looking to manage their personal finances. ### Does Saro have ads? No, Saro does not contain advertisements. Its focus is on providing a clean and uninterrupted user experience for managing your finances. ### What makes Saro's AI assistant unique? Saro's AI assistant allows you to converse with your finances. You can ask it to create transactions, set budgets, plan savings goals, or analyze spending patterns, making financial management more interactive. ## Version history (last 5 releases) ### 5.5 — 2026-08-03 An important update: amount entry is now exact. • Amount entry fixed — while typing a decimal amount, digits could change on their own: 299.98 could turn into 299.89, and the decimal separator could disappear. Amounts are now saved exactly as you type them — in transactions, budgets, goals, debts, and recurring payments. This logic is now covered by automated tests so it stays fixed. • Payment source in chat — choose right on the expense card how it was paid: from your account or with one of your credit lines. The card now shows exactly which one. • Fix — the Save button now appears when you change only the payment source in the transaction editor. Thank you for the detailed reports! ### 5.4 — 2026-07-23 A small update focused on card purchases. • Payment source in chat — choose right on the expense card how it was paid: from your account or with one of your credit lines. The card now shows exactly which one. • Fix — the Save button now appears when you change only the payment source in the transaction editor. ### 5.3 — 2026-07-11 This update is all about control. • Credit Lines — track credit cards: limit, current debt, statement date, and payment reminders. • Month-End Reconciliation — match every account against its real balance and close the gap in a couple of taps. • Photos in Notes — attach receipts, price tags, and screenshots right next to your text. • Redesigned Debts — clearer statuses, payoff progress, and actions for every obligation. • AI Model Picker — Fast replies instantly, Smart thinks deeper. Switch with one tap in chat. ### 5.2 — 2026-06-29 New Activity screen — turn tracking into a game. Build daily streaks for logging expenses, climb levels by earning XP, collect Neeko mascot cards and unlock achievements as you go. A fun, habit-forming reason to come back every day. Notes — jot down formatted thoughts and attach them to your goals, debts, budgets and subscriptions, all kept together in one tidy thread. Budgets that stay honest — editing a budget limit now applies going forward only, so past periods and historical stats stay accurate. Smarter goals — a precise calculation of how much to set aside each period, plus a clear trajectory chart that shows whether you're on track. Thanks for using Spendy! Got feedback? We read every message. ### 5.1 — 2026-06-13 What's new in 5.1: Activity Streak — show up every day and log expenses to grow your streak. Track progress and milestones on a GitHub-style activity grid, plus a new Home Screen widget. Smarter Insights — monthly spending forecast, unusual category spending and subscription reminders, now in a swipeable card carousel with detailed breakdowns. Stats in your transaction list — daily total, net balance and period summary right in the list header. AI chat on the Lock Screen — open a chat with your AI assistant in one tap. Thanks for using Spendy! Got feedback? We read every message. ## Apps similar to Saro | App | Rating | Price | Category | | --- | --- | --- | --- | | [Budget Savior](https://appshunter.io/ios/app/budget-savior/id6446244073) | 2.0 (1) | Free | Finance | | [VEEV FinanceFlow - Mo. Balance](https://appshunter.io/ios/app/veev-financeflow-mo-balance/id6742516101) | — | Free | Finance | | [Surplus: Expense Tracker](https://appshunter.io/ios/app/surplus-expense-tracker/id1578612881) | 4.8 (27) | Free | Finance | | [Monthly Expenses Tracker Plus](https://appshunter.io/ios/app/monthly-expenses-tracker-plus/id6741706638) | 5.0 (1) | Free | Finance | | [Debty - Private Debt Tracker](https://appshunter.io/ios/app/debty-private-debt-tracker/id1560139068) | 4.8 (121) | Free | Finance | | [Bear. Money](https://appshunter.io/ios/app/bear-money/id6478437574) | — | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-06.*