# Sero: Budget & Expense Tracker — Savings goals, bills, payday

> Savings goals, bills, payday (iPhone/iPad app by NOEL JR CALATRAVA.)

- Source: https://appshunter.io/ios/app/sero-budget-and-expense-tracker/id6783575058 (this page in markdown: same URL + `.md`)
- Developer: [NOEL JR CALATRAVA](https://appshunter.io/developer/6783575060)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 15.1 · 45 MB
- Languages: English
- Released: 2026-08-20
- Data updated: 2026-09-09
- User reviews in markdown: https://appshunter.io/ios/app/sero-budget-and-expense-tracker/id6783575058/reviews.md

## What is Sero?

Payday comes, payday goes, and somehow there is nothing left to show for it.

Sero is a simple money tracker for people who earn regularly and want to know where it actually goes. No spreadsheets. No finance jargon. Just a clear view of your money.

TRACK IN SECONDS
Tap the amount, tap a category, done. Sero suggests the category for you based on your note.

ALL YOUR ACCOUNTS IN ONE PLACE
Bank, e-wallet, cash on hand, credit cards. Sero recognises many banks automatically and gives each account its own look.

SAVINGS GOALS THAT ACTUALLY HOLD
Money set aside for a goal is carved out of your spendable balance, so you always know what is truly free to spend.

NEVER MISS A BILL
Add your recurring bills and Sero reminds you before they are due, including credit card payments.

SEE WHERE IT GOES
A spending wheel, a calendar view, and clear charts by day, week or month.

SPLIT A RECEIPT PROPERLY
Bought groceries and a coffee in one trip? Break a single receipt into items and give each one its own category.

BUDGET BY CATEGORY
Set a limit per category and Sero tells you when you are getting close, not after you have blown past it.

19 CURRENCIES
Built in the Philippines, works anywhere.

YOUR DATA IS YOURS
Export a full backup whenever you want, and lock the app behind a PIN or Face ID. Sero has no ads and no third-party tracking.

SERO PREMIUM (OPTIONAL)
Free Sero covers what most people need. Premium adds unlimited savings goals, budgets, bills and credit cards, every theme pack, analytics for any period, paycheck allocation, recurring transactions and data export.

₱149 per month or ₱999 per year, with a 7-day free trial. Prices vary by country. Payment is charged to your Apple Account, renews automatically unless cancelled at least 24 hours before the current period ends, and can be managed in your Apple Account settings.

Terms of Service: https://sero.tukod.studio/terms
Privacy Policy: https://sero.tukod.studio/privacy

Made in Bohol, Philippines.


## Version history (last 2 releases)

### 1.1.0 — 2026-08-29

Sero Premium is here. Unlimited goals, budgets, bills and cards, every
theme pack, analytics for any period, and paycheck allocation. Free for
7 days if you want to try it.

Free Sero is unchanged, and always will be.

### 1.0 — 2026-08-21

No release notes.

---

*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 2026-09-09.*