Last updated: 2026-08-26
The money app that talks like your group chat: an AI that roasts or hypes your spending, automates saving, builds credit and fronts small advances — personal finance for people budgeting apps bore.
Visit Cleo →Actually getting used. The personality earns daily opens that earnest budgeters never see, and the roast-mode honesty lands where charts don't. Behind the jokes: solid spend tracking, saving automation and credit tools for thin-file users.
Free core; Cleo+ and Builder subscriptions unlock advances, credit building and perks.
Subscriptions plus advance fees can outrun the savings for some users — the model monetises exactly the paycheck-to-paycheck stress it soothes. Power budgeters want deeper reports than banter.
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