Cleo vs Rocket Money

In short

• Both: Automations, Mobile app
• Only Cleo states: AI agents

Cleo

AI financial assistant that analyzes spending, helps set goals, offers budgeting guidance, and provides eligible cash advances.

Plans

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

Prices checked 2026-09-26 on the maker’s page.

Capabilities

• Automations — “Automate your money goals with Autopilot.” source
• AI agents — “Cleo addresses this by routing work to specialized subagents scoped to a specific function.” source
• Mobile app — “App Store Google Play” source

Rocket Money

Rocket Money tracks spending, subscriptions, bills, budgets, credit, savings goals, and net worth, with AI assistant Rowan in Premium+.

Plans

Free

Free

• Link financial accounts
• Up to 3 category budgets
• View subscriptions
• Bill negotiation (success fee)
• Credit score
• Mobile app (iOS & Android)

Premium

• $7–$14/month

• Real-time sync and net worth tracking
• Unlimited category budgets
• Subscription cancellation assistance
• Custom transaction categories and rules
• Financial goals and debt paydown
• Credit report monitoring

Premium+

• $15/month

• Rowan AI-powered financial assistant
• Bill negotiation with no success fee
• Real-time sync and net worth tracking
• Unlimited category budgets
• Subscription cancellation assistance
• Credit report monitoring

Prices checked 2026-09-26 on the maker’s page.

Capabilities

• Automations — “Transaction rules allow Premium members to automate how transactions are categorized, tagged, or ignored based on custom logic that you define.” source
• Mobile app — “Mobile app (iOS & Android) Yes” source