BEST MONEY TRACKER I’VE FOUND SO FAR
10/10 would recommend using if you are lost and dont know where to even start paying your debt or how to split your income with your bills.
Free
In-App Purchases
About
This app acts as a bilingual financial coach, helping users understand their income, bills, and safe-to-spend amounts. It offers insights into credit card usage, debt payoff strategies, and savings management, with an AI coach to identify spending leaks.
✓AI money coaching
✓Safe-to-spend calculation
✓Bill and savings management
✓Credit card insights (Card IQ)
✓Debt payoff strategies (Avalanche/Snowball)
✓Spending leak identification
✓Bilingual support (English/Español)
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What's New in SeraFi
1.1.0
August 27, 2026
Your feedback built this update. - Notifications: gentle reminders for bills due, your daily check-in, and your monthly report - Face ID App Lock: your money stays private on your device - Variable income support: plan the Sera way on your low months - Faster onboarding with autosave, smoother bank linking, and budget improvements throughout
MoreSubscription plans
SeraFi Premium
Full AI coaching, Card IQ & every feature
$29.991 Month
7 Days trialUser reviews
FAQ
What is SeraFi's pricing structure?
SeraFi offers a 7-day free trial. Basic membership is $19.99/month or $179.99/year for up to 4 linked accounts. Premium membership is $29.99/month or $269.99/year for unlimited accounts. Payments are charged to your Apple Account.
How does SeraFi handle account linking and security?
Bank connections are read-only through Plaid. SeraFi does not move, hold, or touch your money, and it is not a bank or credit repair service.
Can I cancel my SeraFi subscription?
Yes, subscriptions renew automatically unless canceled at least 24 hours before the end of the period. You can manage or cancel your subscription anytime in your Apple Account settings.
What debt payoff methods does SeraFi support?
SeraFi supports both the Avalanche and Snowball debt payoff methods. It calculates your exact monthly plan, covering minimums first and then directing surplus funds to your chosen target.
Does SeraFi offer financial advice?
SeraFi provides financial education and coaching, but it is not a bank, credit repair service, or a provider of financial, legal, or tax advice.
How does SeraFi help identify spending leaks?
SeraFi provides monthly reports that coach users by highlighting what has increased or decreased, unusual spending patterns, and opportunities to cut subscriptions for permanent income increases.
What devices is SeraFi available on?
SeraFi is available on iPhone and iPod devices.
How often is SeraFi updated?
The latest version is 1.1.0, released on August 27, 2026, indicating recent updates and ongoing development.