Cleo

Meet your AI money coach — the conversational budgeting app that makes managing your finances feel like chatting with a friend who actually gets it.

Cleo transforms the stress of money management into simple, straightforward conversations. Instead of wrestling with spreadsheets or navigating confusing banking apps, you simply message Cleo about your finances and get instant, plain-English answers. Curious about how much you spent on coffee last month? Ask. Want to know what's left in your budget this week? She'll tell you—and maybe gently remind you why that third takeaway order wasn't in the plan.

Your spending habits become crystal clear through casual dialogue. Cleo breaks down where your money actually goes, turning complex financial data into insights you can understand and act on immediately. Whether you're tracking bills, monitoring your budget progress, or just checking your account balance across multiple banks, everything happens through natural conversation—no complex menus or overwhelming dashboards required.

Building a realistic budget has never been easier. Cleo connects securely to your bank using Plaid's read-only connection, giving her access to your spending patterns without compromising your security. From there, she consolidates all your accounts into one unified view, identifies spending trends, sends you timely bill reminders, and tracks exactly how much you have left to spend. The result is a budget that actually fits your real life—including those daily essentials you weren't willing to cut anyway.

The power of Cleo lies in her conversational approach. Rather than forcing you into rigid budgeting frameworks, she adapts to how you naturally think and talk about money. Ask anything: "How much have I spent this week?" "Am I on track for the month?" "What's my biggest spending category?" You'll get instant, actionable responses that help you make smarter financial decisions without feeling deprived or overwhelmed.

Your data security is paramount. Cleo's connection to your bank is encrypted and operates in read-only mode, meaning she can see your transactions but never move money or make changes on your behalf. She's designed to be your trusted financial companion, not an advisor offering investment tips or credit products.

Take control of your finances through conversation. Download Cleo today and discover how talking about your money can finally make managing it simple, stress-free, and even a little fun.