tools
Cleo
AI financial assistant that analyzes spending, helps set goals, offers budgeting guidance, and provides eligible cash advances.
Cleo connects to financial accounts through Plaid and uses chat to explain spending, support budgeting, track credit, set savings goals, and provide personalized financial guidance. Its mobile app includes voice chat, memory, Debt Reset, cash advances, savings features, and the Cleo Card on eligible plans.
Cleo also offers Autopilot, which creates financial roadmaps, daily plans, and consent-based actions such as moving money into savings. Cash advances, card access, early income, high-yield savings, and advanced AI features depend on eligibility and subscription tier; express cash-advance transfers cost extra.
Features
- Analyzes spending and transaction patterns
- Provides budgeting tools and spending insights
- Creates personalized Debt Reset plans
- Offers eligible cash advances up to $250 or $500
- Supports savings goals and high-yield savings at 2.75% APY
- Provides AI coaching, voice chat, and conversation memory
- Offers Cleo Card and early income access on Builder
Use cases
- Track spending and understand recurring expenses
- Set savings goals and monitor progress
- Create a plan to improve cash flow
- Ask for budgeting and credit guidance in chat
- Request an eligible cash advance
- Use Autopilot to receive personalized financial actions
Pros
Cons
Pricing
- Starting price
- $5.99 / month
- Pricing checked
- 2026-09-19
Plus
$5.99 / month
- Credit support
- Debt Reset
- Cash advance up to $250
Pro
$8.99 / month
- Credit support
- Debt Reset
- Cash advance up to $250
- High-yield savings with 2.75% APY
- Advanced AI coaching
Builder
$14.99 / month
- Credit support
- Debt Reset
- High-yield savings with 2.75% APY
- Advanced AI coaching
- Cash advance up to $500
- Cleo Card
- Early income access