Cleo Review: AI Chatbot for Budgeting and Saving

Cleo is an AI finance app that helps you track spending, save automatically, and get money tips through chat. Here’s our review with features, pricing, pros & cons.

By BestTopThree Editorial Tool Review
Cleo Review: AI Chatbot for Budgeting and Saving

Cleo

Rating: 4.2/5

Free basic app; Cleo Plus at ~$5.99/month

Visit Cleo

Cleo is a fun, chatbot-style finance app that tracks your spending, helps you save, and even roasts you if you overspend. It’s popular among Gen Z for making money management less boring. For other finance AIs, check Plum review and Monarch Money review.

✨ Key Features

💰 Pricing

Free

Price $0
Highlights Budgeting chatbot, savings challenges

Cleo Plus

Price $5.99/mo
Highlights Cash advance, credit score, more perks

✅ Pros & Cons

👍 Pros

  • Engaging, gamified finance app
  • Affordable
  • Makes budgeting approachable

👎 Cons

  • Chat style not for everyone
  • Cash advance capped at low amounts

📌 Verdict

Cleo is a playful yet effective budgeting assistant, especially for younger users who need motivation to save.

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