kitio.aiCleo vs Mezzi
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Cleo starts at See pricing page and Mezzi starts at See pricing page. 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
- Account aggregation
- AI financial advice
- Tax-loss harvesting insights
- Retirement planning
- Portfolio risk X-ray
- Monitoring agents
| Feature | Cleo | Mezzi |
|---|---|---|
| Best for | AI money assistant app for budgeting, saving and cash advances | SEC-registered AI advisor for tax, retirement and portfolio planning |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Freemium |
| Starting price | See pricing page | See pricing page |
| Free plan | Yes | Yes |
| Made by | Cleo AI | Mezzi |
| Based in | United Kingdom | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Cleo starts at See pricing page and Mezzi starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
3 plans
Free
Free
- Connect all assets and liabilities
- Risk X-ray
- Limited AI insights
Advisory
$33.25/mo billed yearly
- Unlimited tax and retirement advice
- 5 monitoring agents
- Video, phone and email support
Concierge
$83.25/mo billed yearly
- Unlimited delegations
- Advanced AI analysis
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
Mezzi
- SEC-registered advisor
- Looks across all your accounts
- Free tier for tracking and risk analysis
- Advice limited on the free plan
- Listed prices are billed yearly
- Built around US tax rules
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 Mezzi if you want:
- SEC-registered advisor
- Looks across all your accounts
- Free tier for tracking and risk analysis
Watch out: advice limited on the free plan.
Cleo vs Mezzi FAQ
What is the difference between Cleo and Mezzi?
Cleo: AI money assistant app for budgeting, saving and cash advances. Mezzi: SEC-registered AI advisor for tax, retirement and portfolio planning. Both are legal, finance & hr tools.
Is Cleo or Mezzi cheaper?
Cleo starts at See pricing page and Mezzi starts at See pricing page. Check both pricing pages for current plans.
Do Cleo and Mezzi have free plans?
Cleo: Yes. Mezzi: Yes.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Who makes Mezzi?
Mezzi is made by Mezzi, based in United States.
Which should I choose, Cleo or Mezzi?
Choose Cleo if you value friendly, engaging assistant and free budgeting features. Choose Mezzi if you value sec-registered advisor and looks across all your accounts.