What is Cleo?
A budgeting app that talks back about your spending.
Who is Cleo best for?
Cleo is best for US users who want a chatty app that tracks spending and helps with cash advances and credit.
Overspenders who want a nudge
Cleo tracks where your money goes and calls out bad habits in a blunt, joking chat instead of a spreadsheet.
Short gaps before payday
Paid plans offer cash advances of up to $250, or up to $500 on Builder, if you qualify.
Building a credit history
Builder's Cleo Card is meant for building credit, and every paid plan adds credit score tips and monitoring.
Saving without thinking about it
Autopilot and savings goals move money for you, and Pro adds a high-yield savings account.
How much does Cleo cost?
Cleo is free to download, and its paid plans cost $5.99 a month for Plus, $8.99 for Pro or $14.99 for Builder, which adds a credit-building card and early paychecks.
- Credit score monitoring and tips
- A personal Debt Reset plan
- Cash advance of $20 to $250 if eligible
- Everything in Plus
- High-yield savings, 2.75% APY (variable)
- Advanced AI coaching that remembers your goals
- Cleo Card to build credit, $1 minimum deposit
- Paycheck up to 2 days early
- Cash advance of $150 to $500 if eligible
Cleo lists monthly prices only, in US dollars for its US app. The app is free to download, and you can request a cash advance without subscribing. Same-day cash advance transfers cost $4.49 to $14.99 in express fees depending on the amount, and first-time advances are smaller. Builder's $500 limit needs at least $750 a month in direct deposits. Cleo is not a bank: savings are held with Thread Bank and the Cleo Card is issued by WebBank. Full pricing on web.meetcleo.com. We checked these prices on .
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What are the best Cleo alternatives?
Two tools on Recaply do Cleo's job.
Questions about Cleo
What is Cleo?
A budgeting app that talks back about your spending.
Who is Cleo for?
Cleo is best for US users who want a chatty app that tracks spending and helps with cash advances and credit.
Is Cleo free?
Yes, Cleo is free to download and start using, and you can ask for a cash advance without a subscription. Cleo's site does not list what else the free version includes; paid plans start at $5.99 a month for Plus.
How much does Cleo cost?
Cleo's paid plans are Plus at $5.99 per month, Pro at $8.99 per month and Builder at $14.99 per month.
What are the best Cleo alternatives?
The closest alternatives on Recaply are Monarch Money and Goodbudget.
Where can I try Cleo?
On its official website, web.meetcleo.com.
Does Cleo charge fees for cash advances?
Yes, if you want the money the same day: Cleo charges an express fee of $4.49 to $14.99 depending on the amount. Advances depend on eligibility and income, from $20 to $250 on Plus and Pro and up to $500 on Builder.
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