Cleo AI: Manage Your Money

Cleo AI: Manage Your Money

AI Chat to budget your money

248K ratings
3707 reviews
Free

Details

  • Released
  • Updated
  • February 23, 2019
  • July 28, 2026

Features

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About

This AI-powered financial assistant helps you manage your money through conversational chat. It offers budgeting tools, savings accounts with high APY, credit building features, and cash advances without interest or credit checks.

AI-powered financial chat
Budgeting and spending tracking
Cash advances up to $250
High-yield savings account (2.72% APY)
Credit score building
Automated financial planning
Debt management dashboard
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What users say

See all reviews
+2

What's New in Cleo AI

3.68.0

July 28, 2026

Bug fixes & minor improvements. Watch this space.

Charts

Top Free

📉 23-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on July 29, 2026.

Events

Read more about Money's not hush-hush anymore

Money's not hush-hush anymore

Cleo's custom roasts are loud and clear.

Jun 19, 2026 Jul 19, 2026

Read more about Summer should be stress-free

Summer should be stress-free

Your money just got an upgrade

Jun 15, 2026 Jul 16, 2026

Read more about Father's Day gifts, anyone?

Father's Day gifts, anyone?

Celebrate his way with Cleo's cash advance.

May 31, 2026 Jun 30, 2026

User reviews

X don’t like snarky comments

No

Prize draw

I believe that the prize is really meant for people who have more money and the ones who don’t have to burrow much

Awful

Cash advances only go out to the stupid cleo card

Waste of time

They make you pay for plus before you even get accepted for an advance and that’s if you even get accepted not worth it

Terrible

App seems to work for a selective few. I can’t get past the bank connection step. It goes from “get started”, to “loading…”, then fails with a server timeout error message instead of launching the screen to plaid.

User experience

🐞

Reported Bugs

3 issues

Issues with connecting and disconnecting bank accounts

Bug

Problems with cash advance approvals and deposits

Bug

Glitches in the budgeting and spending tracking features

Bug

Requested Features

4 requests

Ability to manually categorize and edit transactions

Feature

More customizable budgeting options and spending categories

Feature

Improved integration with bank accounts and credit cards

Feature

Better communication and transparency around eligibility for cash advances

Feature

FAQ

What does Cleo AI do?

Cleo AI is an AI-powered money coach that helps users budget, save money, build credit, and access cash advances. It uses a conversational interface to make managing finances simple and engaging, offering insights into spending habits and personalized financial advice.

What are the key features of Cleo AI?

Key features include an AI chat interface for financial queries, budgeting tools, a savings account with a 2.72% APY, cash advances up to $250 with no interest or credit checks, credit building without a credit card, automated financial planning with Autopilot, and a debt management dashboard.

How much does Cleo AI cost?

Cleo AI offers a freemium model. While some features like budgeting and cash advances are available for free, advanced features such as the Debt Reset require a paid subscription. Specific pricing details can be found within the app.

What are the eligibility requirements for a cash advance?

Cash advances are subject to eligibility and amounts are based on accrued, unpaid income, ranging from $20-$250. First-time users may have a lower limit. There are no interest, credit checks, or late fees associated with these advances, and no direct deposit is required.

Can Cleo AI help me build credit?

Yes, Cleo AI offers features to help build your credit score without needing a credit card. This includes a 0% APR cash advance and score coaching, which can lead to smoother approvals, lower interest rates, and higher credit limits over time.