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SeraFi: Money & Debt Tracker

SeraFi: Money & Debt Tracker

Your money, clear & in control

3 ratings
3 reviews
💰 Finance
Free
In-App Purchases

Details

Released
August 21, 2026
Updated
October 9, 2026

Features

Developer

SeraFi LLC
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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

1.2.2

October 9, 2026

Fixes sign-in issues and improves reliability. Plus: a simpler Home, your wallet in Card IQ with your banks' logos, budget history, Sera's debt plan with findings, and notes on expenses.

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4

Subscriptions & In-App Purchases

SeraFi Premium

Full AI coaching, Card IQ & every feature

$29.991 Month
7 Days trial
How to cancel SeraFi subscription ⁉️

User reviews

Most RecentHighest RatedLowest Rated

Great app!

If you are a visual person, this app is a must for your finances. It’s super helpful and easy to connect. There are some bugs, but they are fixed almost immediately after reporting it. The team is really responsive. Overall, it’s helped me track my expenses a lot better. It’s also helping save and invest, understanding where everything is going.
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MMrsRancalv

Primera Impresión

Saludos, esta aplicación me ha ayudado a controlar y llevar responsablemente mis finanzas. La opción de colocar en un calendario los pagos o gastos que haré durante el mes ayuda demasiado.

Poder conectar múltiples cuentas en la app me da la oportunidad de poder ver todos mis números en una sola app.

Una aplicación muy recomendable.
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YNYauniel Nieves

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.
Jjanemfjeb

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.