Budget your way
Get a clear view of your money
Chat with Cleo, your budget assistant
Stay on track with nudges and advice
Join millions of Cleo subscribers
Smarter budgeting, built for you
All your money in one place
Connect all your banks, cards, and savings accounts. Cleo automatically tracks what’s coming in, what’s going out, and what’s left to spend.
Know exactly where your money’s going
Cleo categorizes every transaction and highlights spending trends, giving you complete visibility and the power to make smarter spending decisions.
Set a spending limit
Let Cleo recommend a daily limit based on your income and spending habits, or set your own. Know how much you have to spend each day to stay on track.
Stay ahead of every bill
Never miss a payment again. Cleo tracks your recurring bills, spots patterns in your payments, and sends smart reminders before anything’s due.
Challenge yourself to spend less
Cut back with personalized challenges. Whether it’s takeout or impulse buys, Cleo spots a category you overspend on, sets a limit, and helps you stay within budget.
Get real answers, instantly
Thinking about making a purchase? Just ask Cleo. She’s your AI-powered assistant who’s smart enough to track everything and real enough to explain it.
Join the millions of Cleo subscribers who are building a life beyond their next paycheck.
What our users are saying1
"Honestly, whoever is writing for Cleo’s chat client is an absolute genius and the programs they offer actually help you. If you struggle with finances and want a hilarious yet stable solution then download Cleo right now!!”
"There’s nothing like getting Roasted by Cleo. Thanks for designing an app that speaks my language.”
"Cleo is one of the only budget apps that actually worked for me. It helps with income, budgets, bills, and even has a roasting feature. It works extremely well and gives you the reality of your spending.”
How it works
01
Set your income
Select your latest paycheck so Cleo can help you set a budget that matches your real-life pay cycle.
02
Review your bills
Confirm your recurring bills. Cleo automatically detects your recurring bills and subscriptions. You just make sure everything looks right so you don’t miss a payment.
03
Get your spend limit
Have Cleo recommend a daily limit based on your income and spending habits—or set your own. You can adjust it anytime to fit your life.
Security
FAQ
Still have questions? Find answers below.
1Real review. Individual results may vary