SeraFi: Money & Debt Tracker

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