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 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
Plan | Price | Highlights |
---|---|---|
Free | $0 | Budgeting chatbot, savings challenges |
Cleo Plus | $5.99/mo | Cash advance, credit score, more perks |
Free
Price $0
Highlights Budgeting chatbot, savings challenges
Cleo Plus
Price $5.99/mo
Highlights Cash advance, credit score, more perks
✅ Pros & Cons
📌 Verdict
“Cleo is a playful yet effective budgeting assistant, especially for younger users who need motivation to save.”