Cleo’s 2025 was massive.
2025 proved Cleo can scale efficiently. Cleo’s intelligence grew, offering sharper user insights and smarter actions. New products broadened the business.
And more people than ever used and paid for Cleo. Users saw better outcomes, and our revenue and reach increased, too.
Peep the numbers
- 80%year-over-year increase in ARR
- 1.3Mpaying subscribers (Dec. 2025)
- $572Krevenue per employee
Growth expanded. We stayed lean.
Revenue surged 87% to $254M, with paid subscribers surpassing 1M and gross profit rising to $138M.
More and more
people used Cleo.
- 51%conversion to subscription (2025 avg.)
- 75%YoY growth in paying subscribers
- $17customer acquisition cost (2025 avg.)
New products drove
unprecedented growth.
Cleo 3.0
Cleo’s third major update delivered better memory and advanced reasoning, voice, and agentic capabilities.
Learn more
Debt Reset
Over 25% of Builder subscribers adopted Cleo’s Debt Reset product within days of its launch.
Learn more
Money IQ
1 in 8 new users joined Cleo to play MoneyIQ, a weekly quiz game that rewards personal spending awareness.
Learn more
As Cleo’s capabilities improved,
so did users’ financial outcomes.
Across Cleo’s products, users saw their incomes and savings grow measurably and their credit scores improve.
“When I founded Cleo in 2016, I believed conversation would become the most important interface in personal finance. In 2025, we proved that idea works at scale.”
