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About Cleo
Cleo is an AI-powered personal finance assistant that tracks your spending, helps you set and meet savings goals, and gives you brutally honest feedback about your money habits. Cleo's AI analyzes your transactions, provides spending insights, and can automatically save money toward your goals. With a personality that roasts bad spending and celebrates good habits, Cleo makes personal finance feel like talking to a friend.
Updated 6/24/2026
Key Features
- AI Spending Analysis — Automatically categorizes and tracks all transactions across linked accounts
- Roast Me — AI gives brutally honest (and funny) feedback about your spending habits
- Cleo Autopilot — Automate savings goals; Cleo saves money automatically and adjusts as life changes
- Savings Goals — Set targets and Cleo helps you reach them with automatic transfers and high interest
- Cleo Card — Optional spending card with cashback rewards and credit building features
- 24/7 Chat — Talk to Cleo anytime via conversational AI; no bank-speak, just human conversation
- Bill Tracking — AI monitors upcoming bills and alerts you before due dates
- Credit Building — Tools and insights to help improve your credit score over time
- Subscription Detection — AI identifies recurring subscriptions you may have forgotten about
- Bank-Level Security — Bank-grade encryption with Plaid integration for secure account linking
Pricing Structure
- Free — $0/month — Basic spending tracking, AI insights, savings goals, roast me feature, 24/7 chat.
- Cleo Plus — $5.99/month — Everything in Free plus Cleo Card, cashback rewards, credit building, advanced analytics, priority support.
- Cleo Premium — $14.99/month — Everything in Plus plus higher savings interest, premium features, exclusive perks.
Why People Use It
Cleo is the only financial assistant that combines genuinely useful AI-powered money management with a personality that keeps you engaged. The 'Roast Me' feature went viral for a reason — it makes confronting your spending habits feel like entertainment rather than punishment. For people who struggle with traditional budgeting apps, Cleo's conversational approach and automatic savings features make personal finance accessible and even fun.
See Cleo in Action
