Conversational AI financial assistant that helps you save, budget, and build credit.

Description

Cleo is an AI financial assistant with a unique personality that communicates via chat, making personal finance accessible for millennials and Gen Z. It connects with your bank accounts to analyze spending habits. The AI Chat allows you to ask questions about your finances in natural language. Roast Mode analyzes your spending with brutal humor, identifying bad habits. Use the Budget Builder to create personalized budgets automatically. Access Cash Advances up to $250 interest-free for emergencies. The Savings Wallet automates saving based on your spending patterns. Credit Builder helps you build credit without a traditional card. Spending Insights categorizes expenses and identifies forgotten subscriptions. Bill Negotiation is available in the premium plan. With over 5 million users, Cleo is not a traditional finance app but operates entirely through a chat interface. Free with basic features, or Plus for advanced tools. Ideal for young adults starting their financial journey, making finances less intimidating.