Cleo — AI Money Management and Budgeting

Cleo is an AI-powered financial assistant for individuals looking to automate their budgeting and expense tracking.

Cleo is an AI-powered financial management assistant that automates personal expense tracking and budgeting through a conversational interface. This application is built for individuals and small business owners who need to simplify their financial oversight without manually managing spreadsheets. By connecting directly to bank accounts, Cleo analyzes spending patterns to offer real-time feedback and categorized reports on where money is being spent. The tool provides proactive financial insights by identifying unnecessary subscriptions and upcoming bill payments. Users can interact with the AI to ask specific questions about their balance or spending limits for the week. This conversational approach removes the friction from traditional banking apps and helps users maintain a clear view of their cash flow. Business owners can use the platform to monitor monthly overheads and set strict savings targets automatically. The AI uses bank-level encryption to ensure data remains secure while providing actionable advice on how to improve credit scores or save for specific goals. According to the latest 2026 data on surfai.app, the assistant also includes features for interest-bearing savings and cash advance options for eligible users. Cleo offers a comprehensive free tier for basic tracking and budgeting. Advanced features including credit building and cash advances require a monthly subscription plan.

• Pricing: freemium

Specifications

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