Cleo AI vs Richwise: Pricing and Ratings Compared (2026)
Entry prices and free plans as read on each vendor's pricing page, and user ratings as published on review sites, for Cleo AI and Richwise side by side. This page compares data; it is not a hands-on review.
On the data: On the data below, Cleo AI leads on a free plan. We do not name an overall winner for this pair.
Short on time? Here's the quick answer
Based on published vendor pricing and features and on public review data, here's who should pick what:
Cleo AI
Track spending, automate money goals, and get a personalized debt plan
Best for you if:
- • You want a free tier before you commit
Richwise
See your full financial picture and get practical steps to improve it
Best for you if:
- • Households that want to track spending, plan finances, and project their future net worth
| At a Glance | Cleo AI | Richwise |
|---|---|---|
Starts at | Free plan, paid from $5.99/mo, billed monthly Plus plan | From $99/year Household plan |
Category | Personal Finance Budgeting Apps | Personal Finance Net Worth Trackers |
Rating | n/a | n/a |
Free plan | Yes | No |
Choose Cleo AI or Richwise?
Choose Cleo AI if
- You want a free tier before you commit
- You want a tool that offers paid tiers, and the app is free to download
Choose Richwise if
- Households that want to track spending, plan finances, and project their future net worth
In-Depth Analysis
Cleo AI
Track spending, automate money goals, and get a personalized debt plan
Cleo's pricing is fair and competitive for a cash advance and budgeting app.
Strengths
- Pro: Offers paid tiers, and the app is free to download
- Pro: Cleo states that a cash advance can be requested without subscribing, if eligible
- Pro: Builder adds a credit-building card, high-yield savings and early income access to the Plus feature set
- Pro: Conversational AI that explains spending in plain language instead of a dashboard of charts
Weaknesses
- Con: Cash advance amounts depend on eligibility: $20 to $250 on Plus and Pro, and $20 to $100 for first-time users
- Con: Same-day transfers carry express fees depending on the amount
- Con: Cash advances up to $500 require a direct deposit of at least $750 a month
- Con: Debt Reset requires a paid subscription
- Con: Cleo is not a bank, and the plans and rates described here are the US ones
Key features
Richwise
See your full financial picture and get practical steps to improve it
The Household tier at $99 per year is very fair for a couple, offering comprehensive financial aggregation and planning tools at roughly $8.25 per month.
Key features
Plans and prices: Cleo AI vs Richwise
| Tool | Plans and prices | Source |
|---|---|---|
| Cleo AI |
| web.meetcleo.com/products/pricing read Nov 11, 2026 |
| Richwise |
| richwise.ai/pricing read Nov 8, 2026 |
Prices as read on each vendor's own pricing page on the date shown. Plans are listed per tool and are not matched against the other tool's plans: a plan name or price in one column says nothing about the same row in the other. Details on Cleo AI pricing and Richwise pricing.
Key Takeaways
Cleo AI
- Has a free plan
Richwise
- Worth considering for personal finance
What the data shows
On the data below, Cleo AI leads on a free plan. We do not name an overall winner for this pair.
- Entry prices are not ranked, they are charged on different bases: Cleo AI $5.99/mo, billed monthly; Richwise $99/year.
- Only Cleo AI has a free plan.
Criteria: user rating (only above 20 reviews on both sides, gap of 0.2 or more), entry price (only on the same billing basis), free plan. How we rate
Frequently Asked Questions
How do Cleo AI and Richwise compare in 2026?
On the data below, Cleo AI leads on a free plan. We do not name an overall winner for this pair. Entry prices are not ranked, they are charged on different bases: Cleo AI $5.99/mo, billed monthly; Richwise $99/year. Only Cleo AI has a free plan.
What are Cleo AI and Richwise used for?
Cleo AI: Track spending, automate money goals, and get a personalized debt plan. Richwise: See your full financial picture and get practical steps to improve it.
What does Cleo AI cost vs Richwise?
Cleo AI's cheapest paid plan is Plus at $5.99/mo, billed monthly; it also has a free plan. Richwise's cheapest paid plan is Household at $99/year. Prices read on the vendors' pricing pages, latest check Nov 11, 2026.
What's the main difference between Cleo AI and Richwise?
Cleo AI's main strength: offers paid tiers, and the app is free to download. Richwise focuses on see your full financial picture and get practical steps to improve it.
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