kitio.aiCleo vs Deduction
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Cleo starts at See pricing page and Deduction starts at $499/yr. Check both pricing pages for current plans.
At a glance
Best for
Pricing model
Starting price
Free plan
Made by
Based in
Rating
Key features
- AI spending chat
- Budgets and savings goals
- Automatic savings
- Cash advances
- Credit builder
- AI tax assistant
- CPA-reviewed returns
- Year-round tax planning
- Document Vault
- Accuracy guarantee
| Feature | Cleo | Deduction |
|---|---|---|
| Best for | AI money assistant app for budgeting, saving and cash advances | Tax firm pairing an AI assistant with CPAs for advice and filing |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Paid |
| Starting price | See pricing page | $499/yr |
| Free plan | Yes | No |
| Made by | Cleo AI | Deduction |
| Based in | United Kingdom | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
|
|
Pricing compared
Cleo starts at See pricing page and Deduction starts at $499/yr. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Deduction
$499/yr
- Unlimited CPA-reviewed advice
- Annual filing included
Reserve
$999/yr
- Added complexity like rentals
- Everything in Deduction
Private Client
Custom
- Foreign income
- S corporation returns
Prices in USD, checked Oct 28, 2026 or later. Plans change often, so confirm on each tool's site before you buy.
Pros and cons
Cleo
- Friendly, engaging assistant
- Free budgeting features
- Helpful cash flow insights
- Cash advances require a paid plan
- Mainly available in the US
- Tone may not suit everyone
Deduction
- Every return checked by a CPA
- Unlimited advice through the year
- Conversational, no forms
- Costs more than DIY tax software
- Only for US taxpayers
- Complex cases need the custom tier
Which one should you choose?
Choose Cleo if you want:
- Friendly, engaging assistant
- Free budgeting features
- Helpful cash flow insights
Watch out: cash advances require a paid plan.
Choose Deduction if you want:
- Every return checked by a CPA
- Unlimited advice through the year
- Conversational, no forms
Watch out: costs more than diy tax software.
Cleo vs Deduction FAQ
What is the difference between Cleo and Deduction?
Cleo: AI money assistant app for budgeting, saving and cash advances. Deduction: Tax firm pairing an AI assistant with CPAs for advice and filing. Both are legal, finance & hr tools.
Is Cleo or Deduction cheaper?
Cleo starts at See pricing page and Deduction starts at $499/yr. Check both pricing pages for current plans.
Do Cleo and Deduction have free plans?
Cleo: Yes. Deduction: No.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Who makes Deduction?
Deduction is made by Deduction, based in United States.
Which should I choose, Cleo or Deduction?
Choose Cleo if you value friendly, engaging assistant and free budgeting features. Choose Deduction if you value every return checked by a cpa and unlimited advice through the year.