Cleo

Chat-based money app that helps you budget, save and understand spending with a cheeky AI.

Free + PaidAI Finance & Accounting#8 in Finance & Accountingby Cleo

What is Cleo?

Cleo is a money app you talk to like a chatbot. It looks at your spending, helps set budgets and savings goals, and can be gently honest about your habits. Paid plans add features like cash advances in some regions. It runs on iPhone and Android.

Best for: Young adults who want a fun way to manage money.

What you can do with Cleo

Ask how much you spent on takeaways
Set a savings goal
Get reminders before bills are due

Key features

Chat with an AI about your money
Budgets and spending insights
Savings goals
Bill reminders

Cleo pros and cons

Pros

Friendly, engaging style
Free plan

Cons

Available in a limited number of countries

Cleo pricing

Free + Paid

Cleo has a free plan, with paid plans that add more usage or features. Plans change often, so check the official site for current prices.

How to get started

Open meetcleo.com and create a free account.
Try one real task first: ask how much you spent on takeaways.
Compare the result with Monarch Money or Copilot Money, then keep the one that fits how you work.

Compare Cleo

Side-by-side comparisons of features, pricing, pros and cons.

Cleo alternatives

Other tools that do a similar job, ranked by our editors.

Monarch Money
Free trial
Personal finance app for budgets, net worth and goals, with an AI assistant for money questions.
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Copilot Money
Free trial
Smart budgeting app that learns how to categorise your spending and tracks investments.
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Rocket Money
Free + Paid
Personal finance app that finds and cancels subscriptions, tracks budgets and lowers bills.
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QuickBooks
Free trialEditor's pick
Accounting software for small businesses with AI agents for bookkeeping, invoices and cash flow.
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Xero
Free trial
Cloud accounting software with AI help for reconciling, invoicing and understanding your numbers.
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Ramp
Free + Paid
Corporate cards and spend management with AI that reviews expenses and automates bookkeeping.
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Top AI finance tools

How Cleo compares with the best in AI Finance & Accounting.

1. QuickBooks
Free trial
Accounting software for small businesses with AI agents for bookkeeping, invoices and cash flow.
2. Xero
Free trial
Cloud accounting software with AI help for reconciling, invoicing and understanding your numbers.
3. Monarch Money
Free trial
Personal finance app for budgets, net worth and goals, with an AI assistant for money questions.
4. Ramp
Free + Paid
Corporate cards and spend management with AI that reviews expenses and automates bookkeeping.
5. AlphaSense
Paid
Market intelligence platform with AI search across filings, transcripts and expert calls.

See all 13 AI finance tools

Cleo FAQ

What is Cleo?

Is Cleo free?

Cleo has a free plan, with paid plans that add more usage or features. Check the official site for current limits and prices.

What can you do with Cleo?

With Cleo you can ask how much you spent on takeaways; set a savings goal; get reminders before bills are due.

Who is Cleo best for?

Young adults who want a fun way to manage money.

Does Cleo have an app?

Yes. Besides its main version, Cleo has apps for iPhone & iPad and Android.

Who makes Cleo?

Cleo is made by Cleo.

What are the best alternatives to Cleo?

Popular alternatives include Monarch Money, Copilot Money, Rocket Money and QuickBooks. See the full ranking on our AI Finance & Accounting page.

AltFTool is not affiliated with Cleo. This summary was written by our editors from the tool's public information. Browse all 451 AI tools