Cleo

Cleo is a personal finance app with an AI assistant that analyses your spending, builds budgets and nudges you to save, often with a joking tone. It is popular with younger users in the US, and paid plans add cash advances and credit-building tools.

After linking a bank account, users can ask Cleo how much they spent on food, set savings goals or get a weekly breakdown of bills. Its roast and hype modes give blunt or encouraging feedback, and automatic savings rules move small amounts aside.

Cleo is free to use for basic budgeting, while Cleo Plus and Builder subscriptions unlock cash advances, credit-builder cards and more insights. It is used mostly in the US.