AI Finance ToolsVisit Cleo 
C
Cleo
AI financial assistant chatbot that helps with budgeting, saving, and understanding spending habits.
4.1
FreemiumAbout 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.
Key Features
- AI spending analysis
- Budget tracking
- Salary advance
- Credit building
- Cashback rewards
- Transaction categorization
Pros
- Fun, approachable interface
- Good spending insights and categorization
- Salary advance feature on paid plans
- Connects to major banks
Cons
- Best features require paid subscription
- Not for serious financial planning
- Tone may not suit everyone
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Details
- Category
- AI Finance Tools
- Pricing
- Free basic plan. Cleo Plus $6/mo. Cleo Builder $15/mo.
- Website
- meetcleo.com
- Tags
- budgetingpersonal-financechatbotbanking
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