Is Cleo worth the price?
Cleo's pricing structure, ranging from a Free tier to the Builder tier at $14.99/month, appears generous for personal finance management.
The Free and Grow ($2.99) tiers offer good value for basic budgeting and savings. However, the Pro ($8.99) and Builder ($14.99) tiers seem expensive for features that might be available at lower costs or for free elsewhere.
This pricing is best for individuals seeking comprehensive financial tools and willing to pay for advanced AI and credit-building features.
Pricing Plans
Free
Free
- Expense tracking
- Budget insights
- Chatbot services
- Basic spend tracking
Grow
$2.99/monthly
- Targeted savings
- Financial growth features
Plus
$5.99/monthly
- Cash advance $20-$250
- Credit score access
- Advanced budgeting
Pro
$8.99/monthly
- Voice chat
- Conversation memory
- Advanced AI features
Builder
$14.99/monthly
- Credit Builder card
- Build credit history
- Cashback rewards
Hidden Costs & Gotchas
Cash advance fees (if applicable)
Potential for upsells to higher tiers
No annual discount mentioned
Feature limitations on lower tiers
Which Plan Do You Need?
Budgeting beginners
Credit builders
AI-assisted financial management
How Cleo Compares to Competitors
Compared to personal finance apps like Mint (free with ads) or YNAB ($14.99/month), Cleo's Free and Grow ($2.99) tiers are competitive for basic features. However, its higher tiers, especially Pro ($8.99) and Builder ($14.99), are on the pricier side, matching YNAB's cost but offering different feature sets, with YNAB focusing more on strict budgeting and Cleo on AI and credit building.
Cleo Pricing FAQ
How much does Cleo cost?
Cleo starts at $0/month on the Free plan. It offers 5 paid tiers ranging from $0/month up to $14.99/month.
Does Cleo have a free plan?
Cleo does not offer a permanent free plan. Paid plans are required from day one.
What is the cheapest Cleo paid plan?
The cheapest paid plan for Cleo is "Free" at $0/month. Key features include: Expense tracking, Budget insights, Chatbot services.