# SeraFi: Money & Debt Tracker — Your money, clear & in control

> AI-powered bilingual financial coach for managing money, debt, and savings. (iPhone/iPad app by SeraFi LLC.)

- Source: https://appshunter.io/ios/app/serafi-money-and-debt-tracker/id6793312650 (this page in markdown: same URL + `.md`)
- Developer: [SeraFi LLC](https://appshunter.io/developer/6793312652)
- Category: Finance
- Price: Free with in-app purchases
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 32 MB
- Languages: American English
- Released: 2026-08-21
- Data updated: 2026-09-07
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/serafi-money-and-debt-tracker/id6793312650/reviews.md

## What is SeraFi?

Income − Bills = Money You Control. That one line changes everything — and SeraFi builds your entire financial life around it.

SeraFi is the bilingual money coach made for first-generation wealth-builders: the people who were handed credit cards but never the manual. Link your accounts and Sera — your AI money coach — reads what is really happening: what comes in, what leaks out, and exactly how much is safe to spend today.

YOUR REAL SAFE-TO-SPEND
Not a budget fantasy — cash truth. SeraFi walls off your savings, sets aside every bill due before your next payday (biweekly, semimonthly, or monthly — it knows the difference), and tells you what is actually yours to spend today. If a shortfall is coming, you hear it now, not after the late fee.

CARD IQ — EVERY CARD, WORKING HARDER FOR YOU
The two dates that decide your credit score. The utilization sweet spot bureaus reward. What each card is best for — and what to avoid. Your real APRs, real minimums, real interest cost, read straight from your linked cards.

THE WAY OUT OF DEBT — COMPUTED, NOT GUESSED
Choose Avalanche or Snowball and SeraFi builds this month’s exact plan: every minimum covered first, then your true surplus — income minus bills minus every minimum minus your living budgets — strikes the #1 target. Real payoff dates. Real interest saved. No more paying blind.

SERA FINDS THE LEAKS
Monthly reports that coach instead of judge: what went up, what came down, what looks unusual, and where cutting one subscription becomes a permanent raise. Every dollar freed becomes fuel for your emergency fund or your debt attack.

SAVINGS WITH NAMES
One real savings balance, divided into buckets you name — emergency fund, dreams, life happens. SeraFi never moves your money; the division lives in the app, the dollars stay at your bank.

FULLY BILINGUAL — English y español, switch anytime. Built with cultura, not translated as an afterthought.

SeraFi is financial education and coaching — not a bank, not credit repair, and never financial, legal, or tax advice. SeraFi never moves, holds, or touches your money. Bank connections are read-only through Plaid.

MEMBERSHIP (7-day free trial): Basic $19.99/mo or $179.99/yr (up to 4 linked accounts) · Premium $29.99/mo or $269.99/yr (unlimited accounts — the full picture). Payment is charged to your Apple Account at confirmation of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the period. Manage or cancel anytime in your Apple Account settings.

Terms: https://serafiapp.com/terms · Privacy: https://serafiapp.com/privacy

## Key features

- 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)

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| SeraFi Premium | $29.99 | per month |
| SeraFi Premium Annual | $269.99 | per year |
| SeraFi Basic | $19.99 | per month |
| SeraFi Basic Annual | $179.99 | per year |


## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/serafi-money-and-debt-tracker/id6793312650/reviews.md

### 5/5 — BEST MONEY TRACKER I’VE FOUND SO FAR

*2026-08-28*

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.

## Frequently asked questions about SeraFi

### 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.

## Version history (last 2 releases)

### 1.1.0 — 2026-08-27

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

### 1.0 — 2026-08-21

No release notes.

## Related topics

[ahorro de dinero](https://appshunter.io/ios/topics/ahorro-de-dinero)

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*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 2026-09-07.*