kitio.aiCleo vs OpenBudget
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Cleo starts at See pricing page and OpenBudget 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
- Bank connection via Plaid
- Claude and ChatGPT connector
- Google Sheets and Excel sync
- Automatic categorization
- Investment account tracking
| Feature | Cleo | OpenBudget |
|---|---|---|
| Best for | AI money assistant app for budgeting, saving and cash advances | Connects your bank accounts to Claude, ChatGPT and spreadsheets |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Free trial |
| Starting price | See pricing page | See pricing page |
| Free plan | Yes | No, 7-day trial |
| Made by | Cleo AI | OpenBudget |
| 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 OpenBudget starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
2 plans
Base
$60/yr billed yearly
- Up to 10 institutions
- AI questions about your money
- Spreadsheet sync
Investor
$99/yr billed yearly
- Up to 15 institutions
- Brokerage and retirement accounts
- Holdings and dividend questions
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
OpenBudget
- Uses the AI tools you already have
- No manual CSV exports
- Low yearly price
- Depends on Plaid bank coverage
- Investments need the higher plan
- Monthly-billed price not shown
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 OpenBudget if you want:
- Uses the AI tools you already have
- No manual CSV exports
- Low yearly price
Watch out: depends on plaid bank coverage.
Cleo vs OpenBudget FAQ
What is the difference between Cleo and OpenBudget?
Cleo: AI money assistant app for budgeting, saving and cash advances. OpenBudget: Connects your bank accounts to Claude, ChatGPT and spreadsheets. Both are legal, finance & hr tools.
Is Cleo or OpenBudget cheaper?
Cleo starts at See pricing page and OpenBudget starts at See pricing page. Check both pricing pages for current plans.
Do Cleo and OpenBudget have free plans?
Cleo: Yes. OpenBudget: No, 7-day trial.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Who makes OpenBudget?
OpenBudget is made by OpenBudget.
Which should I choose, Cleo or OpenBudget?
Choose Cleo if you value friendly, engaging assistant and free budgeting features. Choose OpenBudget if you value uses the ai tools you already have and no manual csv exports.