The Launchpad take
Verdict
Budgeting chat app. it can link bank accounts (account aggregation). Paid tiers include cash advances — those products have separate fees and terms; this listing is not an offer of credit. Official FAQ (meetcleo.com FAQs): Free app; Plus $5.99/mo or $44.99/yr; Pro $8.99/mo; Builder $14.99/mo. Some users pay legacy Plus prices from $1.99.
Young adults wanting budgeting nudges; paid tiers add cash advances — read fees and terms first
Best for
Quick facts
- Free tier
- Free app; bank linking and cash-advance terms on paid tiers
- Starting price
- $5.99/month
- Platforms
- iOS, Android
- Company
- Cleo AI Ltd.
Pricing
USD per month. There is no free plan. “Without subscribing” refers only to requesting a cash advance, not a free tier. Express fees $4.49–$14.99. Builder $14.99/mo is browser-verified 2026-10-14 on web.meetcleo.com/products/pricing (Plus $5.99 and Pro $8.99 also shown there).
| Plan | Price | Key limits |
|---|---|---|
| Plus | $5.99/month | Cash advances up to $250, subject to eligibility |
| Pro | $8.99/month | Cash advances up to $250, subject to eligibility |
| Builder | $14.99/month | Cash advances up to $500, subject to eligibility |
Prices checked 2026-10-14
Key capabilities
Works with
- transactions
Outputs
- chat
- budgets
Get it
How to use Cleo on phones and tablets.
- Mobile web: Works in a mobile browser (responsive or dedicated mobile site).
Technical details
- Offline
- No
- API
- No
- Languages
- Not listed
- Difficulty
- Beginner-friendly
- Privacy
- Low
What changed
- 2026-10-14 · freeTier — RA: no free plan. Removed freeTier. “Without subscribing” refers only to the cash advance.
Sources & notes(1)
- Checked 2026-10-13 (from catalog copy)