Cleo review
AI money coach in your pocket
4.6
freemium7M+ usersTop RatedFree Tier
85
ToolHund Score
Excellent
Top 5%
Our verdict
Cleo is a sassy AI chatbot that roasts your spending, builds budgets, offers cash advances and helps you save — all over chat.
ToolHund Score: 85/100 · Best for: Gen Z budgeting and breaking bad spending habits.
Strengths
- Budgeting chat
- Strong fit for gen z budgeting and breaking bad spending habits.
- Real free plan you can ship work with
Weaknesses
- Best features sit behind the paid plan
- Output quality varies with prompt skill
- Limited offline use — internet required
Pricing
Free · Plus $5.99/mo
Strong — free plan covers most casual use, paid unlocks pro workflows
Features
- Budgeting chat
- Cash advance
- Credit building
- Savings goals