# Saro: Budget & Expense Tracker — AI Money Manager & Planner > 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-budget-and-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 · 70 MB - Languages: American English, French (France), German (Germany), Japanese, Korean, Brazilian Portuguese, Russian, Chinese (Simplified, China), European Spanish - Released: 2025-01-31 - Data updated: 2026-10-25 - Monetization: freemium ## 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. Shared Accounts • Keep one account together with your partner or family: you and up to three more people see the same balance, expenses, budgets and goals. Invite them with a link in Messages or by email — no sign-up needed, Saro uses your iCloud. Expenses added by others show who added them, and your other accounts stay private. Everyone in the account needs an iPhone with iCloud. 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. 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. 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 | | --- | --- | --- | | Plus Monthly | $1.99 | per month | | Plus Yearly | $19.99 | per year | | Year | $49.99 | per year | | Month | $4.99 | per month | ## Is Saro safe? Not enough ratings yet to assess Saro. ## Is Saro legit? Saro: Budget & Expense Tracker appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Saro is 65 out of 100 points across 7 verification signals from App Store and developer data. ## 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) ### 6.0 — 2026-10-24 One account for two — or for the whole family. • Shared accounts — keep one account together: you and up to three more people see the same balance, expenses, budgets and goals. • Invite with a link — send it in Messages or by email. No sign-up needed: Saro uses your iCloud. • See who added what — expenses added by others show who added them, and edits from different phones merge cleanly, with no duplicates. • Personal stays personal — only you can see your other accounts. Shared data is stored in iCloud, encrypted. • Shared accounts work on iPhone with iCloud for everyone in the account. Also in this version: • Ready for iPhone Duo — Saro fits both screens and moves between them smoothly: a comfortable column when unfolded, the chart beside the list in Statistics, and the add and voice buttons stay in place when you fold. • Saro Plus — a new plan with no limits on accounts, budgets, goals and debts, for less than Pro. Unlimited AI stays in Pro. ### 5.7 — 2026-09-23 Dates, amounts and translations — the way your language does them. • Dates by your language’s rules — day-and-month order, 12- or 24-hour clock from your iPhone settings, weeks and periods as a single range. • Amounts by currency rules — cents with two digits, yen and won without a fraction, the currency symbol where it belongs. Widgets and percentages too. • Currency symbols — correct signs for the rupee, Turkish lira, tenge, dram, manat, lari, Belarusian ruble, Hong Kong dollar and yuan. • Japanese and Korean, rewritten — translations redone from scratch: natural phrasing, consistent terms, the right word order in cards, statistics and labels. • Permission prompts in your language — camera, microphone, speech recognition and Face ID now explain themselves in German, French and Portuguese, not English. • Transaction list, redesigned — days as cards with a daily total, filter chips for type, category, period and amount, a summary on top and swipe to delete. ### 5.6 — 2026-09-11 The biggest update yet: a new home screen, widgets, Siri and a rebuilt AI chat. • A new home screen — a feed of cards in your order, with a header you build yourself: “Safe to spend today”, “Today”, “This week” and your own card. Turn it on in Settings. • Repeat from the Widget — your latest transactions on the Home Screen. Tap Repeat to log the same one again without opening the app. • Streak on the Lock Screen — the flame stays lit while today is logged, with your level right next to it. • Sixty level cards to collect — twenty of them new: a cozy room, a winter market, a summer afternoon and a dream underwater. Every level unlocks the next card. • Siri, Shortcuts and Controls — “Log expense” and “Spent so far” from Siri, Spotlight and the Action button. New expense, voice, receipt scan and AI chat in Control Center. • The AI chat, rebuilt — action cards you confirm with a tap, and answers as objects: “how much did I spend”, “will I make it to payday” and “what changed” come back as numbers and charts. Available with the new design turned on. • Attachments and chat memory — attach receipts and statements, and let the chat remember your rules and go-to categories. Every fact stays visible and deletable. • Budgets, goals, debts and recurring — redesigned lists with a summary card on top and a status in every row. • Fixes — two crashes reported from TestFlight and a batch of smaller issues on the new home screen. ### 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. ## Apps similar to Saro | App | Rating | Price | Category | | --- | --- | --- | --- | | [Check Writer: Checkbook Maker](https://appshunter.io/ios/app/check-writer-checkbook-maker/id6759298288) | 4.6 (28) | Free | Finance | | [Expense Tracker: Budget AI](https://appshunter.io/ios/app/expense-tracker-budget-ai/id6756522502) | 5.0 (13) | Free | Finance | | [Ivy Invest: Build wealth](https://appshunter.io/ios/app/ivy-invest-build-wealth/id6479629508) | 5.0 (30) | Free | Finance | | [Bitcoin Wallet : BTC,ETH,USD](https://appshunter.io/ios/app/bitcoin-wallet-btcethusd/id6758147798) | 4.3 (14) | Free | Finance | | [Coinmetro: Buy Crypto & Wallet](https://appshunter.io/ios/app/coinmetro-buy-crypto-and-wallet/id1397585225) | 4.5 (369) | Free | Finance | | [Apex: AI Trading Bot & Broker](https://appshunter.io/ios/app/apex-ai-trading-bot-and-broker/id1613903971) | 4.4 (165) | Free | Finance | ## Related topics [saros](https://appshunter.io/ios/topics/saros) --- *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 2026-10-25.*