Cleo AI Pricing 2026
Plans, hidden costs, and alternatives compared
Prices last confirmed on Oct 21, 2026 on web.meetcleo.com. Same data as Markdown or JSON.
Cite this data: Toolradar, Cleo AI pricing verified Oct 2026, toolradar.com/tools/cleo-ai/pricing
Cleo AI starts at $5.99/month on the Plus plan.
Verified Oct 2026 from the official pricing page.
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.
Pricing Plans
Free
- App download is free
- A cash advance can be requested without subscribing, if eligible
Plus
$5.99 / month
- Cash advance up to $250 (eligible users)
- Credit support and credit score insights
- Debt Reset plan
Pro
$8.99 / month
- Everything in Plus
- High-yield savings at 2.75% APY
- Advanced AI coaching
Builder
$14.99 / month
- Everything in Pro
- Cash advance up to $500 (eligible users)
- Cleo Card
- Early income access
How Cleo AI compares
1 of 4 direct competitors offers a free plan.
| Tool | Starting price | Free plan |
|---|---|---|
| Cleo AI | $5.99/month, billing unit not specified | Yes |
| Rocket Money | $4/month, billing unit not specified | Yes |
| Monarch Money | $99.99/year, billing unit not specified | No |
| Copilot Money | $95/year, billing unit not specified | No |
| YNAB (You Need A Budget) | $9.08/month, billing unit not specified | No |
Cleo AI Pricing FAQ
How much does Cleo AI cost?
Cleo AI starts at $5.99/month on the Plus plan. It offers 3 paid tiers ranging from $5.99/month to $14.99/month. A free plan is also available.
Does Cleo AI have a free plan?
Yes. Cleo AI offers a free plan called "Free". It includes: App download is free, A cash advance can be requested without subscribing, if eligible.
What is the cheapest Cleo AI paid plan?
The cheapest paid plan for Cleo AI is "Plus" at $5.99/month. Key features include: Cash advance up to $250 (eligible users), Credit support and credit score insights, Debt Reset plan.
What are alternatives to Cleo AI?
Alternatives to Cleo AI include Rocket Money, Monarch Money, Copilot Money, YNAB (You Need A Budget). Rocket Money starts at $4/month, billing unit not specified; Monarch Money starts at $99.99/year, billing unit not specified; Copilot Money starts at $95/year, billing unit not specified.
Cleo AI alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Cleo AI pricing: web.meetcleo.com/products/pricing (verified Oct 2026)
- Cite this data: Toolradar, Cleo AI pricing verified Oct 2026, toolradar.com/tools/cleo-ai/pricing
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