kitio.aiCleo vs Ludex
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Cleo starts at See pricing page and Ludex starts at $4.99/mo. 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
- Photo card identification
- Prices from actual sales
- Collection portfolio
- TCG deck builder
- eBay listing drafts
- Cross-marketplace search
| Feature | Cleo | Ludex |
|---|---|---|
| Best for | AI money assistant app for budgeting, saving and cash advances | Card scanner app that identifies and prices sports and trading cards |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Freemium |
| Starting price | See pricing page | $4.99/mo |
| Free plan | Yes | Yes |
| Made by | Cleo AI | Ludex |
| Based in | United Kingdom | – |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Cleo starts at See pricing page and Ludex starts at $4.99/mo. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
4 plans
Free
Free
- 200 scans per month
- Portfolio up to 60 cards
- 1 collection and 1 TCG deck
Lite
$4.99/mo
- Unlimited scans in 1 category
- 200 scans in other categories
- Price reports
Standard
$9.99/mo
- Unlimited access to all features
- 50 eBay listings per month
Pro
$24.99/mo
- 250 eBay listings per month
- Unlimited collections and decks
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
Ludex
- Fast identification from one photo
- Covers sports cards and TCGs
- Free plan with 200 scans a month
- Free portfolio holds only 60 cards
- Lite plan unlocks just one category
- eBay listing counts are capped by plan
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 Ludex if you want:
- Fast identification from one photo
- Covers sports cards and TCGs
- Free plan with 200 scans a month
Watch out: free portfolio holds only 60 cards.
Cleo vs Ludex FAQ
What is the difference between Cleo and Ludex?
Cleo: AI money assistant app for budgeting, saving and cash advances. Ludex: Card scanner app that identifies and prices sports and trading cards. Both are legal, finance & hr tools.
Is Cleo or Ludex cheaper?
Cleo starts at See pricing page and Ludex starts at $4.99/mo. Check both pricing pages for current plans.
Do Cleo and Ludex have free plans?
Cleo: Yes. Ludex: Yes.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Who makes Ludex?
Ludex is made by Ludex.
Which should I choose, Cleo or Ludex?
Choose Cleo if you value friendly, engaging assistant and free budgeting features. Choose Ludex if you value fast identification from one photo and covers sports cards and tcgs.