Cleo review
7.1/10★★★★★Chatty AI money coach with voice, budgeting and debt plans, plus cash advances
- Best for
- Younger users who want an engaging chat-first way to check their spending
- Price
- Freemium · from $5.99/month
Free: Budgeting, spending tracking and chat insights - Platforms
- iOS, Android
- Made by
- Cleo AI Ltd
- App store ratings
- iOS 4.7★ (265K) · Android 4.6★ (154K)
What it is
Cleo is built around a conversational AI you can text or talk to, which answers questions about your spending with a sharp personality. It adds budgeting, a debt payoff plan, Autopilot savings and credit building, and paid plans add cash advances.
What the AI does
- Conversational AI money coach
- Real-time two-way voice chat
- Autopilot savings roadmap that adjusts to your spending
- Debt Reset payoff plan
Pros and cons
- The most natural AI chat here, including voice
- Free plan includes the chat
- Huge user base and high iOS rating
- Budgeting tools are shallower than Monarch or Copilot
- Pushes cash advances, which carry express fees
- No web app
How it scores
The best conversational experience, but its budgeting depth is limited and the app leans on cash-advance upsells.
Feature checklist · 3 of 9
- Ask an AI assistant questions about your money (yes)
- Sorts transactions into categories automatically (no)
- Links to bank and card accounts automatically (yes)
- Finds and tracks subscriptions and recurring bills (no)
- Cancels subscriptions or negotiates bills for you (no)
- Shared budgets for partners or households (no)
- Tracks net worth and investment balances (no)
- Works on the web as well as on your phone (no)
- Free plan available (yes)
Alternatives
See all Cleo alternatives, ranked →
- Monarch 8.4/10Couples and households who want one shared, detailed view of their money
- Rocket Money 8.2/10People who want an assistant that actually cuts recurring costs, not just reports them
- Copilot Money 8.1/10iPhone and Mac users who want the most polished budgeting app
- Origin 7.9/10People who want budgeting, forecasting and planning tools in one subscription