What it is
Overview
Cleo addresses the financial anxiety and poor spending habits that plague young adults who struggle with traditional banking and budgeting methods. The tool targets millennials and Gen Z users who need personalized financial guidance but find conventional financial apps impersonal and overwhelming.
At a glance
Usability & Quality overview
Best for
- young adults who want engaging, personality-driven budgeting coaching
- users who prefer chat-based financial insights over traditional app interfaces
- people looking to automate savings goals with AI guidance
Watch out for
- Cash advance fees range $3.99-$14.99 for same-day transfers
- Some users report payment/refund problems and slow customer service
- Bank account connection can be difficult for some users
Real product, not a wrapperIndependent product
Cleo provides specialized AI financial coaching that goes beyond what you'd get from ChatGPT, with proprietary algorithms for expense analysis, automated savings features, and deep banking integrations. The AI personality and financial domain expertise create a differentiated experience.
Strong evidenceQuality score
Cleo Engaging AI financial coach that roasts spending and automates savings, but billing and support issues recur
This score is our editorial judgment, computed automatically from the sources, weights, and dates shown above. It reflects the data we could verify as of July 17, 2026, not a guarantee or statement of fact about Cleo. Third-party ratings and quotes belong to their original platforms and authors. Thin data lowers our confidence label, and we say so instead of guessing. Work on Cleo? Dispute any datapoint and we will review it, publish your response, and correct verified errors.
Plans
Pricing
Community feedback
Aggregated reviews
Ratings and quoted comments below are aggregated from third-party sources and reflect those users' views, not SearchTools.ai's.
What reviewers talk about
themes inside the Sentiment pillar — not score ingredients
63Output Qualitythin data · 7 mentions
“I do. You have to go into settings and create a couple of templates/instructions to make it effective. A couple of mine are “always document the names of any physicians mentioned by the patient” in the HPI, otherwise it’ll just say “they reported following up with their PCP LAST Thursday” instead of “their PCP Dr Sanjay Singh”. I also have a generic “no touch” exam that I tell it to insert at the end. When I’m walking to my desk after the encounter I just say “Cleo, add my no touch physical exam”
“I got a few advances from Cleo in the past but they're system of earning badges to qualify is stupid now. I linked all my debit cards but says it cannot see my transactions so it wont qualify me. And human support is useless. They cannot do anything.”
“I also use Cleo and love it. These are some great tips. I have a few custom instructions that help: - Evaluation and Plan: I have an instruction with the correct spelling of the names of other specialists and doctors at the hospital that we speak to regularly. It’s just and instruction that says something like “if you hear any of these names here is the correct spelling” followed by a list of names. Super easy. Very effective. - I have another instruction that tells Cleo to use colloquial termin”
“I use it. My best tips are to put all the indications for critical care time in (can be found online) and it has a reminder for me to document critical care time on potential patients. If I find it's not suitable, no extra clicks to not do it. You can do this for a number of things (heart score for chest pain, etc). I also tell it to use patient-reported language i.e. say "the patient reports their stress test last month was normal" rather than "the stress test last month was normal".”
10Value & Pricing12 mentions
“❤😅I have been very happy with the services for almost 2-3 years now”
“I downloaded the Cleo app a few months ago because I wanted help budgeting and managing my spending. The app seemed cool at first with the AI assistant and tracking features. But then I noticed I was getting charged $5.99 every month for their subscription and I don't even remember signing up for it. I tried to cancel the subscription like 3 times through the app but the charges kept going through. Then I saw something about them getting sued by the FTC for deceptive subscription practices and I”
“I don't use them, but I see them in our chargeback data like crazy. Be warned these companies are basically an e-pay day loan service just on a smaller threshold. Dave, Birgit, Cleo.... Recommend you find another way or method.”
“recently i have found some 5.99 charges from cleo ai on my checking account. i personally dont like using ai when i can hep it so i know for a fact i havent intentionally signed up for this. when i called my bank they said that they dont just have my card number but they have my routing number to my account. has anyone heard of/experienced similar issues from cleo ai?”
63Ease of Usethin data · 5 mentions
“I do. You have to go into settings and create a couple of templates/instructions to make it effective. A couple of mine are “always document the names of any physicians mentioned by the patient” in the HPI, otherwise it’ll just say “they reported following up with their PCP LAST Thursday” instead of “their PCP Dr Sanjay Singh”. I also have a generic “no touch” exam that I tell it to insert at the end. When I’m walking to my desk after the encounter I just say “Cleo, add my no touch physical exam”
“I also use Cleo and love it. These are some great tips. I have a few custom instructions that help: - Evaluation and Plan: I have an instruction with the correct spelling of the names of other specialists and doctors at the hospital that we speak to regularly. It’s just and instruction that says something like “if you hear any of these names here is the correct spelling” followed by a list of names. Super easy. Very effective. - I have another instruction that tells Cleo to use colloquial termin”
“I use it. My best tips are to put all the indications for critical care time in (can be found online) and it has a reminder for me to document critical care time on potential patients. If I find it's not suitable, no extra clicks to not do it. You can do this for a number of things (heart score for chest pain, etc). I also tell it to use patient-reported language i.e. say "the patient reports their stress test last month was normal" rather than "the stress test last month was normal".”
“I hate to say it... but Penny did several things better than you- unless you have a broader plan for your product launch. I'm not trying to be a hater- I would absolutely love to try this out, the concept of a 'daily/weekly/monthly' budget is great- but there are a few things I think you should think about here. You're announcing something in closed beta. Which I can't buy or use- I have to request an invite. That's... not very exciting. Give me something I can sign up for and use immediately, e”
Capabilities
Key features
Coaching
Guides users toward personal or professional goals through conversational feedback and accountability
Accounting Assistant
Automates bookkeeping, expense tracking, and financial reconciliation for everyday business accounting
Productivity Tools
Automates routine tasks and streamlines daily workflows to help you get more done
The honest take
What users love & flag
Distinct themes surfaced across 383.7K reviews from 3 sources — each grounded in real review text, ranked by how often it comes up.
Questions
Frequently asked
What is Cleo?
Cleo is an AI financial coach that tracks your spending, analyzes your financial habits, and provides brutally honest feedback to help you save money and reach your goals. It features a conversational AI with personality that can 'roast' your spending decisions, plus automated savings features designed specifically for millennials and Gen Z users.
Is Cleo free to use?
Cleo offers a free tier, but also has three paid subscription plans. Plus costs $5.99/month for basic features like cash advances up to $250, Pro is $8.99/month for high-yield savings and advanced AI coaching, and Builder is $14.99/month for the most complete toolkit including the Cleo Card for credit building.
What does Cleo's 'roasting' feature do?
Cleo's roasting feature delivers brutally honest critiques of your spending decisions in a humorous, entertaining way. The AI calls out bad spending habits using casual language that resonates with younger users, gamifying financial responsibility to make money management more engaging rather than stressful.
Can Cleo give me cash advances?
Yes, Cleo offers cash advances based on your accrued income. Plus subscribers can get advances up to $250, while Builder subscribers can access up to $500. The amount depends on your income and account standing.
What platforms is Cleo available on?
Cleo is available as a mobile app for both iOS and Android devices. You can also access it as a web tool through their website at meetcleo.com.
Does Cleo offer high-yield savings accounts?
Yes, Cleo offers high-yield savings accounts with a 2.75% APY, available to Pro and Builder subscribers. The platform also includes an Autopilot feature that automatically transfers money toward your savings goals.
Can Cleo help me build credit?
Yes, Cleo offers credit building through the Cleo Card, which is available with the Builder subscription tier. The platform also provides credit score monitoring and debt reset planning to help users improve their overall financial health.
How does Cleo's AI remember my financial goals?
Cleo's conversational AI has memory capabilities that allow it to remember your interactions, goals, and preferences over time. This creates increasingly personalized advice and coaching as you continue using the platform, making the experience more tailored to your specific financial situation.
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