Cleo
by Cleo
AI money assistant with budgeting and cash advances
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Cleo calls itself the world's first AI financial assistant, and its paid tiers add advanced AI coaching that remembers your goals, plus debt tracking, credit score insights and cash advances if eligible. Bank accounts are linked through Plaid, and the vendor says your bank details are never stored. Cleo is a financial technology company, not a bank, and the AI coaching, savings yield and larger cash advances sit on the higher monthly tiers.
Our verdict
A mobile-first AI assistant that mixes coaching with credit and cash advance products. It is a different animal from a pure budgeting dashboard, so compare the monthly fee against what you will actually use.
Best for
Younger or credit-building users who want a chatty AI and short-term advances in one app.
Avoid if
You want a desktop-style budgeting dashboard or a no-subscription tool.
Pros
- Chat-style AI built into the core product
- Three clear monthly price points
- Plaid linking with bank details stated as not stored
Cons
- Advanced AI coaching needs the Pro tier or above
- Cash advances are eligibility-based
- Mobile app focused (iOS and Android)
Key capabilities
Frequently asked questions
How much does Cleo cost?
The pricing page lists Plus at $5.99 per month, Pro at $8.99 per month and Builder at $14.99 per month.
Is Cleo a bank?
No. The vendor says Cleo is a financial technology company and not a bank. Banking services are provided by Thread Bank, Member FDIC.
Does Cleo store my bank login?
The vendor states accounts are linked through Plaid and that your bank details are never stored.