Cleo
web.meetcleo.com
AI money assistant for budgeting and cash advances.
Quick Information
- Category:
- Finance & Accounting
- Pricing:
- Freemium
- Platforms:
- iOS, Android
- Free Plan:
- Yes
- API Available:
- No
- Last Verified:
- October 2026
What Is Cleo?
Cleo is an AI money assistant for budgeting and cash advances. Search results agree on the core pricing but differ on tiers and advance limits. Most sources list a free tier plus three paid plans: Plus at $5.99 a month, Pro at $8.99 and Builder at $14.99. One cleoapps.com snippet describes a $2.99 Grow tier that the others do not mention, so treat it with caution. Cash advances require a paid plan: Plus advances are commonly listed at $20 to $250 and Builder up to $500, one source says Plus and Pro advances range from $20 to $250 for existing users but only $20 to $100 for first-time users, and another says Builder requires $750 or more a month in direct deposits for the $500 maximum.
Advances carry no interest and standard transfers are free, with the main cost being optional express transfers at $3.99 to $14.99, and some sources note express fees can exceed small advances. One review cites a daily disbursement cap of $170. One source reports that the FTC reached a $17 million settlement with Cleo in March 2025 over deceptive cash advance and cancellation claims, which I could not confirm from an official source here, so read the cancellation terms. Several sources are affiliate-style review sites, and the most reliable is Cleo's official pricing page, which one guide says it checked directly in July 2026.
Cleo suits people who want a chatty budgeting assistant and small advances between paydays, though the subscription and express fees add up. This is not financial advice. Compare Monarch, Copilot Money and Upstart. Browse the Finance & Accounting tools directory for more.
What Can You Use Cleo For?
AI budgeting chat
Spending insights.
Small cash advances
Paid plans only.
Cleo Features
- Paid-plan advances — $20 to $500.
- 0% interest — Per sources.
- Express fees — Optional.
Who Is Cleo For?
- Paycheck-to-paycheck budgeters — Small advances.
- Younger users — Chat-style coaching.
Cleo Pros & Limitations
What We Like
- Free tier
- No interest on advances
- Engaging AI interface
Limitations
- Advances require a paid plan
- Express fees can exceed small advances
- Reported FTC settlement over cancellation practices
Cleo Pricing
| Plan | Price | Main Features |
|---|---|---|
| Free | $0 | Budgeting and AI chat; no advances |
| Plus | $5.99/month | Advances commonly $20-$250 |
| Pro | $8.99/month | Features differ by source |
| Builder | $14.99/month | Advances up to $500; $750+ monthly deposits required per one source |
| Express transfer fee | $3.99-$14.99 | Standard 3-4 day transfers free |
Pricing was last verified October 2026. Check the official website for the latest pricing.
AI Listing Jungle Ranking
- Global Rank:
- #10
- Overall Score:
- 94.7/100
- Monthly Users:
- –
- Rank Change:
- ▲ 1537
This ranking reflects AI Listing Jungle's own independent scoring methodology and is not an endorsement by Cleo or its company. How Our Rankings Work
Frequently Asked Questions
How much is Cleo?
Free, then $5.99, $8.99 or $14.99 a month.
Are advances free?
No interest; express transfers cost $3.99-$14.99.
How large are advances?
$20-$250 on Plus; up to $500 on Builder.
Was there an FTC case?
One source reports a $17M settlement in March 2025; unconfirmed here.
Our Take
Cleo is a fun budgeting assistant with strings attached.
Read the cancellation terms.
Cleo Alternatives
Cleo Comparisons
Ready to try Cleo?
Visit the official website to get started.
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