Social Proof & User Consensus
5,200 user reviews
Consensus from the App Store, Google Play & Trustpilot
What Users Love
- Makes budgeting genuinely engaging
- Plain-language answers about your own spending
- Automated savings add up quietly
- Personality keeps people checking in
Points of Caution
- Best features sit behind Cleo Plus
- Cash-advance fees can be pricey
- Bank sync occasionally drops and needs reconnecting
Full Overview
Cleo is a personal-finance app built around a conversational AI. Link your accounts and you can ask it questions like "how much did I spend on coffee this month?" or "can I afford this?" and get a straight answer. It automates small transfers into savings, sends spend alerts, and has two personalities — a supportive "hype" mode and a blunt "roast" mode — that make budgeting feel less like a chore. It is aimed at younger users building their first money habits.
Capabilities
- Category
- Personal Finance
- Section
- Business & Finance
- Pricing model
- Freemium
- Rating
- 4.3 / 5
- Last verified
- Aug 30, 2026
Screenshots
Pricing Plans
Free
Free
- Spending breakdowns and Q&A
- Weekly budget check-ins
- Basic savings goals
- Bank connection
Cleo Plus
$5.99/mo
- Cash advances up to a limit
- Roast mode and hype mode
- Higher automated-savings rates
- Credit-building tools
Disclaimer: EzAI provides feature summaries and pricing based on the latest available updates. Errors are possible, and pricing or plan tiers may change over time. We recommend verifying final details directly on the official provider's website.
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Disclaimer: EzAI provides feature summaries and pricing based on the latest available updates. Errors are possible, and pricing or plan tiers may change over time. We recommend verifying final details directly on the official provider's website.