Cleo

Cleo is a conversational AI personal-finance assistant that connects to bank accounts and explains money in plain language. It automatically categorizes transactions, tracks income and recurring bills, highlights spending patterns, recommends daily spending limits, builds budgets, sets savings and debt goals, and sends personalized reminders and challenges. The mobile app offers a free core experience, while paid tiers add features such as deeper AI memory, voice chat, credit coaching, savings tools, and eligible cash advances.