Cleo AI

Cleo is a personal finance app that uses a conversational assistant to help you understand spending and work towards money goals. It is intended for personal money management. It is different from business bookkeeping software, a stock-research platform or a source of professional financial advice.

What can you do with Cleo?

Cleo's current product range includes spending-related conversations, goal and savings features, and additional services such as cash advances and a card. Availability and access depend on the product, your account and the applicable eligibility terms. Check the particular feature you need rather than assuming every advertised service is included.

For a budgeting task, start with a question about a specific spending category and period. Compare the answer with the underlying transactions, correct a categorization where needed and decide what change would be practical for the following month. The conversational format is useful only if it helps you understand your own records.

Understand costs before choosing a plan

Read the current plans and pricing in the app or on Cleo's website. Separate the subscription price from charges associated with a particular service. For a cash advance, review the amount offered to your account, repayment terms and any express-transfer fee. An advertised maximum is not the amount every user receives.

For savings or card features, read the relevant provider, account and eligibility information. Check what permissions you grant when connecting financial accounts, how you can manage those connections and how to cancel a recurring subscription.

Documented consumer context

In March 2025, the FTC announced a $17 million settlement agreement concerning allegations about cash-advance marketing and subscription cancellation. Read the current terms for the service you are considering; do not infer your eligibility or transfer timing from an advertisement.

How to evaluate the app

Try the budgeting workflow on a question you can answer from your statements. Check whether the explanations are clear, the categories make sense and you can find account controls without difficulty. Compare the total cost of the features you would actually use, and keep important financial decisions tied to your own circumstances and checked information.