Cleo 2024 FALL
Release
November 13, 2024
The AI your finances will thank you for later.
The World’s First AI Money Pro
Now powered by a system of large language models, Cleo understands your money better than ever,
and can talk to you about literally anything.
and can talk to you about literally anything.
Now powered by a system of large language models, Cleo understands your money better than ever, and can talk to you about literally anything.
LLM integration
Cleo's faster, smarter, and more accurate. By plugging into a system of large language models (LLMs) like OpenAI’s GPT-4, she can scan vast bases of knowledge in seconds. So, whenever you ask Cleo a question, she taps into these massive libraries of information to deliver you the most accurate answer, faster than it took you to write your question.
Cleo is faster, smarter, and more accurate. By plugging into a system of large language models (LLMs) like OpenAI’s GPT-4, she can scan vast bases of knowledge in seconds. So, whenever you ask Cleo a question, she taps into these massive libraries of information to deliver you the most accurate answer, faster than it took you to write your question.
Enhanced Conversation
Old Cleo was good… new Cleo's better. Before, she was using
basic machine learning to respond to you with preset replies.
But now, thanks to Retrieval-Augmented Generation (RAG), knowledge graphs, and advanced workflows, she can keep
up a natural conversation with you no matter the topic.
basic machine learning to respond to you with preset replies.
But now, thanks to Retrieval-Augmented Generation (RAG), knowledge graphs, and advanced workflows, she can keep
up a natural conversation with you no matter the topic.
Old Cleo was good… new Cleo is better. Before, she was using basic machine learning to respond to you with preset replies. But now, thanks to Retrieval-Augmented Generation (RAG), knowledge graphs, and advanced workflows, she can keep up a natural conversation with you no matter the topic.
Your money, but better
Cleo’s LLM brain knows you and your spending. She can now predict, suggest, and make money moves for you.
Cleo’s LLM brain knows you and your spending. She can now predict, suggest, and make money moves for you.
Personalized Insights
Cleo analyzes your spending patterns to offer suggestions that are unique to you
and your income.
and your income.
Cleo analyzes your spending patterns to offer suggestions that are unique to you and your income.
Smart Suggestions
Cleo proactively finds money-saving opportunities for you. She’ll alert you if you’re overpaying for things like insurance, so you can switch and save.
Cleo proactively finds money-saving opportunities for you. She’ll alert you if you’re overpaying for things like insurance, so you can switch and save.
New Look
It’s more than just a new aesthetic. Cleo’s refreshed design makes the app even easier to navigate—and a lot more fun.
It’s more than just a new aesthetic. Cleo’s refreshed design makes the app even easier to navigate—and a lot more fun.
Game, Set, Save
Cleo knows money can be daunting, so she uses cognitive behavioral techniques to gamify your finances.
Set-and-forget personalized savings goals to let your emergency fund grow without even noticing.
Set-and-forget personalized savings goals to let your emergency fund grow without even noticing.
Cleo knows money can be daunting, so she uses cognitive behavioral techniques to gamify your finances. Set-and-forget personalized savings goals to let your emergency fund grow without even noticing.
Challenges
Put your worst money habit to the test with a personalized
spending challenge. Cleo will show you your estimated
savings so you can be money motivated till the very end.
spending challenge. Cleo will show you your estimated
savings so you can be money motivated till the very end.
Put your worst money habit to the test with a personalized spending challenge. Cleo will show you your estimated savings so you can be money motivated till the very end.
Chat Modes
From Roast Mode to Brat Mode, Cleo turns learning where your money goes into a conversation. You get to chat with a friend,
while Cleo sneakily helps you understand your spending habits.
while Cleo sneakily helps you understand your spending habits.
From Roast Mode to Brat Mode, Cleo turns learning where your money goes into a conversation. You get to chat with a friend, while Cleo sneakily helps you understand your spending habits.
Save Hacks
Remove the guesswork and mental math from saving money. Choose from five “set-it-and-forget-it” hacks, like this user-favorite Swear Jar1, to help you save without thinking.
Remove the guesswork and mental math from saving money. Choose from five “set-it-and-forget-it” hacks, like this user-favorite Swear Jar1, to help you save without thinking.
When I started chatting with the AI, I honestly thought it was a human”
— Nick K.2
What sets Cleo apart is its witty, conversationial style that makes budgeting and saving feel less like a chore and more like chatting with a clever friend.”
— Alex D.2
Because of Cleo I feel comfortable checking my credit scores. Cleo made staying on top of finances and budgeting more fun unlike those big name banks!”
— Kyle H
⭐ ⭐ ⭐ ⭐ ⭐
App Store
App Store
1 Cleo is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC.
2 Real review. Individual results may vary.