What is Cleo?
Cleo is an AI financial assistant offered as a mobile app, built around a conversational persona that analyzes your spending and talks to you about money. It learns from your transactions and goals over time, so its advice becomes more personal as you use it.
In practice you can use Cleo to track where your money goes, set savings goals and have it automate saving, get a personalized Debt Reset plan with an estimated debt-free date, monitor credit score insights, and access small cash advances if you are eligible. Higher plans add high-yield savings with a stated 2.75% APY, a Cleo Card for building credit, and early access to income. Cleo states it is a financial technology company, not a bank, with banking services provided by Thread Bank.
Key features
- Spending tracking and analysis
- Savings goals with automatic saving
- Debt Reset plan with debt-free date estimate
- Credit score insights and credit tips
- Cash advances up to $250 or $500 depending on plan (subject to eligibility)
- High-yield savings account with 2.75% APY (Pro and Builder)
Who is it for
- Individuals who want help budgeting and managing spending
- People paying down debt
- People looking to build credit
Pros and cons
- Personalized, conversational AI that learns from your habits
- Combines budgeting, debt reset, savings and credit tools in one app
- Cash advances depend on eligibility and carry express transfer fees
- Credit card and banking services are provided by partner banks, not Cleo itself
Cleo pricing
| Plan | Price | Includes |
|---|---|---|
| Plus | 5.99 USD / month | Debt Reset, credit support, cash advance up to 250 USD (subject to eligibility) |
| Pro | 8.99 USD / month | Adds 2.75% APY high-yield savings and advanced AI coaching; cash advance up to 250 USD |
| Builder | 14.99 USD / month | Adds Cleo Card, early income access, saving goals and challenges; cash advance up to 500 USD (requires at least 750 USD/month direct deposit) |
Prices copied from Cleo pricing, checked October 12, 2026. Currency as shown by the vendor; taxes may apply.
Is Cleo free?
There is a free trial. Cleo can be tried for free in the app; the Debt Reset and other features require a paid subscription, and cash advances can be requested without subscribing.
Cleo alternatives
| Tool | Price from | Free plan | Category |
|---|---|---|---|
 HubSpot | 7 EUR/mo | yes | Business & sales |
 Brex | 12 USD/mo | trial | Business & sales |
 inFakt | not listed | trial | Business & sales |
 Rovo | not listed | ? | Business & sales |
 Pipedrive | 14 EUR/mo | trial | Business & sales |
 Apollo.io | 49 USD/mo | yes | Business & sales |
FAQ
What is Cleo used for?
AI financial assistant that tracks spending, calls out bad habits, and helps users set and reach savings and debt goals.
Is Cleo free?
There is a free trial. Cleo can be tried for free in the app; the Debt Reset and other features require a paid subscription, and cash advances can be requested without subscribing.
How much does Cleo cost?
The cheapest paid plan is 5.99 USD/mo (vendor pricing, October 12, 2026).
What are the best Cleo alternatives?
Closest alternatives: HubSpot, Brex, inFakt, Rovo, Pipedrive.
Data checked October 12, 2026 on the vendor website (web.meetcleo.com).