What it does

Cleo is an AI money app that chats with you about your spending, helps you budget, and offers credit-building and cash-advance features on paid plans. It is available in the US and UK.

Who it's for

Young adults and anyone who wants a friendly, chat-based way to manage money.

Good points

Free app to start
Friendly, chat-style budgeting help
Credit support and debt plans on paid tiers
Mobile-first and easy to use

Watch out for

Cash advances and fees can add up; read the terms
Most useful features need a subscription
Requires linking your bank account

Good for

Budget my money Track spending

Pricing

Free plan: yes · Paid plans from $5.99/month (Cleo Plus)

Free app. Paid tiers $5.99/month (Plus), $8.99/month and $14.99/month with more features.

Last verified Oct 15, 2026 on the official pricing page. Prices can change; check before you buy.

Official pricing page

Alternatives

Rocket Money

Admin and finance · Rocket Money

What it does: Personal finance and subscription manager.

Who it's for: People who want to cut wasted subscriptions and keep an eye on their spending.

Free plan available Paid from $7/month (Premium, pay-what-you-want range) Last verified Oct 15, 2026

Try Rocket Money Details

Docyt

Admin and finance · Docyt

What it does: AI bookkeeping for small businesses.

Who it's for: Hotel groups, multi-location businesses and their accountants.

Paid only Paid from $100/location/month (Daily Flash) Last verified Oct 15, 2026

Try Docyt Details

Cleo