Get your money off your mind.
Cleo tracks your spending, helps you set and meet goals, and adjusts as life moves. No more anxiety or mental math.
Money talks. Cleo talks back.
She analyzes your spending, calls out bad habits, and makes you better at money.
Talk therapy for your wallet
Cleo gets to know you (and your money).
More personalized than most people.
Cleo’s always learning about you and building connection, so money conversations feel more personal (with real personality).
Let Cleo’s machine learning
conquer your machine spending.
Smart mind, smart mouth.
Cleo’s intelligent enough to optimize every dollar, and sharp enough to destroy your bad spending habits.
SaveLearn more
Say yes to saving more.
Commit to a savings1 goal, and Cleo does the rest. Save automatically, earn high interest, and hit your target on your timeline.
The internet has spoken
(and it likes Cleo).
I absolutely love this app! Cleo is definitely on my level when it comes to budgeting. She speaks my language too which makes me feel like I personally know her! 5 stars!!!
Ashley Smith, App Store
this app is everything! entertaining and educational! I love the roasts! they let you know exactly where you're messing up! keep up the great work cleo!
C Whitworth, App Store
Definitely a fun way to keep track of your finances. Cleo is funny, but informative! Really enjoying it and the credit building function is really nice!
Cody Mobley, Play Store
There's nothing like getting Roasted by Cleo. Thanks for designing an app that speaks my language.
Kimberly Kunkenmueller, App Store
It’s easy to tuck spending away but the Roast Me option is just genius. Not to mention the easy to use budget tools! So glad I downloaded this app.
Kekola, App Store
Finally, a financial assistant without a fleece vest.
Cleo's Features
24/7, 365. Talk to Cleo anytime. She’ll never leave you hanging, on hold, or on read.
No bank-speak. Unlike your bank, Cleo has a good personality. Talk to her like a human.
Real feedback. Cleo gives you the smart, brutally honest spending advice you need to hear.
Money on airplane mode. Set, forget, and get to your goals.
New features just dropped.
See the latest.
How Cleo Works
Inside Cleo’s personalized AI.
Building Cleo’s Memory
The tech behind AI memory.
Cleo in the news.
JANUARY 20, 2026 JANUARY 13, 2026 DECEMBER 11, 2025 DECEMBER 10, 2025 DECEMBER 9, 2025 SEPTEMBER 30, 2025 SEPTEMBER 21, 2025 JULY 29, 2025 MAY 2, 2025
FAQs
To keep your bank info safe, your accounts are linked through Plaid, an API provider.
You can check if Plaid supports your bank by following this link:
Select Launch Demo
Select Continue
Search for your bank name
If you don’t see your bank here, it can’t be connected just yet.
Get Cleo for free now.
Get Cleo for free now.
1Cleo is a financial technology company and is not an FDIC-insured bank. Direct Deposit banking services provided by Thread Bank, Member FDIC.
*Cleo Card issued by WebBank, Member FDIC. Subject to approval. $1 minimum deposit required.
2Credit outcomes vary based on individual behavior and credit profile.