Cleo

At a glance

• Editor score
  7.1 / 10
• Pricing
  Paid
• Best for
  Users seeking AI money coaching alongside saving tools
• Free plan
  No
• Founded
  2016 · Wilmington, Delaware, United States
• Facts checked
  20 Sep 2026

• Where it wins

  • Combines spending analysis with conversational AI money coaching
  • Supports goals, roundups, weekly transfers and payday-based saving
  • Paid tiers add debt planning, cash advances and interest-bearing savings

• Where it doesn't

  • There is no free plan
  • It is a mobile-only product for iOS and Android
  • Savings, rates and eligibility can vary by region and subscription

Our verdict on Cleo

Cleo is a mobile financial assistant for individuals who want help understanding spending and building saving habits. Its tools combine transaction tracking and conversational AI coaching with savings goals, purchase roundups, weekly automated transfers, payday-based saving and Smart Save recommendations. The mix makes it relevant to people who want guidance alongside routine saving tools, rather than a savings account alone. The product is available on iOS and Android, and Plaid is listed as an integration.

Cleo is paid, with Plus, Pro and Builder plans. Plus includes credit support, Debt Reset and eligible cash advances up to $250. Pro includes Plus features, high-yield savings with 2.75% APY and advanced AI coaching. Builder includes Pro features, a Cleo Card and early income access. These tiers add progressively broader financial tools; the published plan details do not establish that every feature or rate is available to every subscriber. Cleo Savings supports manual deposits and withdrawals, while paid subscriptions add savings hacks and interest-bearing savings. Buyers should compare the tier-specific features with the tools they actually want before subscribing.

The product’s range is its main distinction: budgeting and transaction insight sit alongside saving automation, debt planning, credit support and eligible cash advances. That breadth may suit someone who wants one mobile assistant for several personal-finance routines. It may be less suitable for a buyer seeking a free app, desktop access, or a focused savings product without coaching and credit-related extras. Cleo’s support channels include email, chat and documentation. Availability, savings features, interest rates, cash-advance eligibility and subscription access can vary by region and plan, so those conditions matter when deciding whether the paid service fits.

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Cleo pricing

All 3 Cleo plans and prices →

Cleo fact sheet

Cleo integrations

Cleo lists 1 integrations on its own site.

• Plaid

Alternatives to Cleo

• PiggyVestPiggyVest suits savers who want automated schedules, group goals and interest without a subscription fee.8.8
• N26A bank account with automated savings tools, best suited to existing N26 customers.8.6
• CWChime WorkplaceA free workplace finance platform that pairs savings tools with wage access and employee support.8.1

See all Cleo alternatives →

Featured on iTechGuides

Cleo is listed in our Savings Apps directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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Last updated 7 Oct 2026 · How we research and update