Cleo

Cleo is an AI-powered financial assistant that connects to your bank accounts and helps you manage money through a conversational chat interface. It analyzes your spending, identifies patterns, and provides budgeting advice in a casual, sometimes humorous tone that makes personal finance less intimidating. The free tier includes spending insights, transaction categorization, and basic budgeting tools. Paid tiers add features like salary advances (up to $250), credit building, cashback rewards, and a no-interest savings feature. Cleo is designed for younger users who find traditional banking apps boring or overwhelming. The chat-first interface works well for quick financial check-ins. It is not a replacement for comprehensive financial planning, but for day-to-day money management and building better spending habits, it is effective and approachable.