kitio.aiStash vs Cleo
A side-by-side look at pricing plans, free tiers, features, pros and cons, updated for 2026. Stash starts at $12/mo and Cleo 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 Money Coach
- Personalised investment plan
- Managed Smart Portfolio
- Fractional stocks and ETFs
- Retirement accounts with match
- Stock-Back rewards card
- AI spending chat
- Budgets and savings goals
- Automatic savings
- Cash advances
- Credit builder
| Feature | Stash | Cleo |
|---|---|---|
| Best for | Investing app with an AI money coach and managed portfolios | AI money assistant app for budgeting, saving and cash advances |
| Category | Legal, finance & HR | Legal, finance & HR |
| Pricing model | Free trial | Freemium |
| Starting price | $12/mo | See pricing page |
| Free plan | No, 7-day trial | Yes |
| Made by | Stash Financial | Cleo AI |
| Based in | United States | United Kingdom |
| Rating | No ratings yet | No ratings yet |
| Key features |
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Pricing compared
Stash starts at $12/mo and Cleo starts at See pricing page. Check both pricing pages for current plans.
Free plan
Cheapest paid plan
Top plan
Free trial
1 plan
Stash Plan
$12/mo
- Investing and retirement accounts
- AI Money Coach
- 3% retirement match
- $10,000 life insurance
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
Stash
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
- Monthly fee is high for small balances
- Only available in the US
- Built for long-term investing, not trading
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
Which one should you choose?
Choose Stash if you want:
- One flat monthly fee
- Advice available around the clock
- Low minimum to start investing
Watch out: monthly fee is high for small balances.
Choose Cleo if you want:
- Friendly, engaging assistant
- Free budgeting features
- Helpful cash flow insights
Watch out: cash advances require a paid plan.
Stash vs Cleo FAQ
What is the difference between Stash and Cleo?
Stash: Investing app with an AI money coach and managed portfolios. Cleo: AI money assistant app for budgeting, saving and cash advances. Both are legal, finance & hr tools.
Is Stash or Cleo cheaper?
Stash starts at $12/mo and Cleo starts at See pricing page. Check both pricing pages for current plans.
Do Stash and Cleo have free plans?
Stash: No, 7-day trial. Cleo: Yes.
Who makes Stash?
Stash is made by Stash Financial, based in United States.
Who makes Cleo?
Cleo is made by Cleo AI, based in United Kingdom.
Which should I choose, Stash or Cleo?
Choose Stash if you value one flat monthly fee and advice available around the clock. Choose Cleo if you value friendly, engaging assistant and free budgeting features.