kitio.aiCleo vs PortfolioPilot
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Cleo starts at See pricing page and PortfolioPilot starts at $29/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
- Net worth aggregation
- AI investing recommendations
- Tax optimization
- Retirement planner
- Hidden fee detection
| Feature | Cleo | PortfolioPilot |
|---|---|---|
| Best for | AI money assistant app for budgeting, saving and cash advances | AI investing adviser for net worth tracking and tax optimization |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Freemium | Freemium |
| Starting price | See pricing page | $29/mo |
| Free plan | Yes | Yes |
| Made by | Cleo AI | Global Predictions Inc. |
| Based in | United Kingdom | United States |
| Rating | No ratings yet | No ratings yet |
| Key features |
|
|
Pricing compared
Cleo starts at See pricing page and PortfolioPilot starts at $29/mo. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
4 plans
Free
Free
- Unlimited account tracking
- Retirement planning
- Portfolio assessment
Gold
$29/mo
- Investing recommendations
- Hidden fee detection
- Tax-saving ideas
- Limited AI assistant
Platinum
$99/mo
- Unlimited AI assistant
- AI equity research
- Tax-efficient withdrawals
Pro
$149/mo
- Quarterly expert call
- Private equity modeling
- Multi-user login
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
PortfolioPilot
- Useful free net worth tracker
- Advice from a registered adviser
- Covers taxes, fees and estate planning
- Personalized advice needs a paid plan
- AI assistant is limited on Gold
- US-focused accounts and 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 PortfolioPilot if you want:
- Useful free net worth tracker
- Advice from a registered adviser
- Covers taxes, fees and estate planning
Watch out: personalized advice needs a paid plan.
Cleo vs PortfolioPilot FAQ
What is the difference between Cleo and PortfolioPilot?
Cleo: AI money assistant app for budgeting, saving and cash advances. PortfolioPilot: AI investing adviser for net worth tracking and tax optimization. Both are legal, finance & hr tools.
Is Cleo or PortfolioPilot cheaper?
Cleo starts at See pricing page and PortfolioPilot starts at $29/mo. Check both pricing pages for current plans.
Do Cleo and PortfolioPilot have free plans?
Cleo: Yes. PortfolioPilot: Yes.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Who makes PortfolioPilot?
PortfolioPilot is made by Global Predictions Inc., based in United States.
Which should I choose, Cleo or PortfolioPilot?
Choose Cleo if you value friendly, engaging assistant and free budgeting features. Choose PortfolioPilot if you value useful free net worth tracker and advice from a registered adviser.