Cleo
AI-powered personal finance app that tracks spending, provides budgeting advice, and offers cash advances through a conversational interface.
About
Cleo is a chat-first financial assistant that connects to your bank accounts and helps you understand and manage your money through plain-language conversation. It categorizes spending automatically, lets you set custom budget limits, and flags subscriptions you may want to cancel. The app offers proactive insights by surfacing patterns in your financial data and suggesting ways to save. Eligible users can access small cash advances directly through the app. Cleo 3.0 added adaptive reasoning and real-time voice so conversations feel more like talking to a knowledgeable friend than using a traditional budgeting tool. A free tier is available, with Plus and Premium paid plans unlocking higher advance limits and additional features.