Cleo AI
Claim this toolTrack spending, automate money goals, and get a personalized debt plan
From $5.99/mo, billed monthly (free plan available) Visit WebsiteThe Bottom Line
- Price
- From $5.99/mo, billed monthly (free plan available). Compare plans
Key facts
- AI money app with a chat assistant, spending insights and debt tracking
- Plus, Pro and Builder are paid plans; the app is free to download
- Cash advances up to $250 or $500 for eligible users
Pros
- Offers paid tiers, and the app is free to download
- Cleo states that a cash advance can be requested without subscribing, if eligible
- Builder adds a credit-building card, high-yield savings and early income access to the Plus feature set
- Conversational AI that explains spending in plain language instead of a dashboard of charts
Cons
- Cash advance amounts depend on eligibility: $20 to $250 on Plus and Pro, and $20 to $100 for first-time users
- Same-day transfers carry express fees depending on the amount
- Cash advances up to $500 require a direct deposit of at least $750 a month
- Debt Reset requires a paid subscription
- Cleo is not a bank, and the plans and rates described here are the US ones
What is Cleo AI?
Key Features
- Chat with an AI assistant about spending, goals and debt
- Spending analysis with a Roast Me mode
- Cleo Autopilot to automate money goals
- Debt Reset plan with a personalized debt-free date (paid plans)
- Cash advance up to $250 on Plus and Pro, up to $500 on Builder, for eligible users
- High-yield savings at 2.75% APY on Pro and Builder (variable rate, as of 4/6/2026)
- Cleo Card for building credit, with a $1 minimum deposit (Builder)
- Early access to paycheck deposits (Builder)
Pricing Plans
Pricing checked Oct 21, 2026. Source: web.meetcleo.com/products/pricing, read Oct 21, 2026
| Plan | Price | Details |
|---|---|---|
| Free | $0 |
|
| Plus | $5.99 / month |
|
| Pro | $8.99 / month |
|
| Builder | $14.99 / month |
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Is Cleo AI worth the price?
Cleo's pricing is fair and competitive for a cash advance and budgeting app.
The free tier offers real value with eligible cash advances, while Plus at $5.99/month and Pro at $8.99/month are reasonably priced for credit support and AI coaching. Builder at $14.99/month is pricier but adds higher advances and early income access, making it best for users who need frequent cash flow support.
How Cleo AI's pricing compares
Cleo AI starts at $5.99/mo, billed monthly. Its direct competitors are priced on a different basis (per user, or in another currency), so each entry price below is shown with its own unit and currency and is not ranked against the others.
Entry paid plan, monthly price (billing term shown per row), in each tool's own currency. Pricing checked Oct 21, 2026.
Cleo AI by the numbers
Toolradar data: Cleo AI's entry paid plan ($5.99/mo, billed monthly) ranks #10 of 24 for price among the Personal Finance tools with a verified entry price and no stated unit, where the median is $8.12/mo. As of Nov 2026.
| Metric | Cleo AI | Peer median | Position (1 is best) |
|---|---|---|---|
| Entry paid plan | $5.99/mo, billed monthly | $8.12/mo | #10 of 24 tools with no stated price unit, verified price |
| Free plan | Yes | 64% have one | n/a |
| Listed as an alternative to | 5 tools | 1 | #15 of 67 (joint) |
Each position is counted among the tools that have data for that row, as noted under it. A lower entry price ranks higher; prices are read on vendor pages and compared only with tools priced on the same basis. All Personal Finance data · How we compute this. Advertising and placement fees are not inputs to any position.
Cite this: Toolradar, “Cleo AI by the numbers”, Nov 2026.
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Cleo AI FAQ
How much does Cleo cost?
How big is a Cleo cash advance?
Is Cleo a bank?
Which banks does Cleo support?
How does Cleo AI pricing compare with other Personal Finance tools?
Source: web.meetcleo.com