Copilot Money vs Cleo
Copilot Money: Smart budgeting app that learns how to categorise your spending and tracks investments. Cleo: Chat-based money app that helps you budget, save and understand spending with a cheeky AI. Here is how they compare on features, pricing, platforms, pros and cons.
Quick verdict
Copilot Money
Best for: Apple users who want a beautiful, smart budgeting app.
Stands out for: Excellent design; Smart categorisation.
Cleo
Best for: Young adults who want a fun way to manage money.
Stands out for: Friendly, engaging style; Free plan.
Side-by-side comparison
| Visit copilot.money (opens in a new tab) | Visit meetcleo.com (opens in a new tab) | |
|---|---|---|
| What it is | Smart budgeting app that learns how to categorise your spending and tracks investments. | Chat-based money app that helps you budget, save and understand spending with a cheeky AI. |
| Pricing | Free trial | Free + Paid |
| Free to use | No | Yes |
| Category | AI Finance & Accounting | AI Finance & Accounting |
| Editor rank | #6 in category | #8 in category |
| Made by | Copilot Money | Cleo |
| Best for | Apple users who want a beautiful, smart budgeting app. | Young adults who want a fun way to manage money. |
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Copilot Money vs Cleo: questions
Is Copilot Money better than Cleo?
Neither wins for everyone. Our editors rank Copilot Money slightly higher overall in AI Finance & Accounting, but Cleo can be the better fit: Young adults who want a fun way to manage money.
Which is free, Copilot Money or Cleo?
Cleo can be used for free (free + paid), while Copilot Money is free trial.
Can I use Copilot Money and Cleo together?
Yes. Many people keep both and pick per task, for example see where your money went this month with Copilot Money, and ask how much you spent on takeaways with Cleo.