Cleo is a paid tool, starting from .99/month.

Cleo supports budget tracking, spending analysis, savings goals, cash advances, financial coaching, bill negotiation, credit building. AI-powered financial assistant and budgeting app that analyzes your spending, delivers witty money insights, and helps you build better financial habits through chat.

Does Cleo have an API?

Cleo does not currently offer a public API.

What languages does Cleo support?

Cleo primarily supports English.

Cleo Review 2026: Is It Worth It?

Q: Is Cleo good for general productivity?

Yes, Cleo is well-suited for general productivity. AI-powered financial assistant and budgeting app that analyzes your spending, delivers witty money insights, and helps you build better financial habi

★★★★☆ 4.2/5

Pricing: .99/month

Best for: Finance & Business

Try Cleo →

About

AI-powered financial assistant and budgeting app that analyzes your spending, delivers witty money insights, and helps you build better financial habits through chat.

In-Depth Review

Cleo is an AI chatbot designed to make personal finance less boring — and more honest. Connect your bank accounts and Cleo analyzes your transaction history to track spending by category, identify patterns, and surface insights in a conversational interface. The app is known for its "Roast Mode" — where Cleo provides brutally honest (and funny) commentary on your spending habits — but also offers a more supportive coaching mode. Paid tiers add features like cash advances (up to 50), credit-builder tools, savings goals with round-ups, and bill negotiation. Cleo is especially popular with Gen Z and millennials who bounce between paychecks. Over 7 million people use the app in the US and UK.

Pricing

.99/month

Capabilities

budget trackingspending analysissavings goalscash advancesfinancial coachingbill negotiationcredit building

Pros & Cons

Cons

No public API

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Frequently Asked Questions

Is Cleo free to use?: Cleo is a paid tool, starting from .99/month.
What can Cleo do?: Cleo supports budget tracking, spending analysis, savings goals, cash advances, financial coaching, bill negotiation, credit building. AI-powered financial assistant and budgeting app that analyzes your spending, delivers witty money insights, and helps you build better financial habits through chat.
Is Cleo good for finance & business?: Yes, Cleo is well-suited for finance & business. AI-powered financial assistant and budgeting app that analyzes your spending, delivers witty money insights, and helps you build better financial habi
Does Cleo have an API?: Cleo does not currently offer a public API.
What languages does Cleo support?: Cleo primarily supports English.

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Cleo