iPhone Screenshots


Cleo is an AI powered chatbot that sits above your bank account and analyzes your spending. She’ll use that data to create dynamic budgets and give you a range of kick-ass tools to help you get your balance back. (Literally). With straight talk and a sense of humor, we’re out to fix your relationship with money and help you in ways your bank never did.
Join over 1.5 million other users today and build your strong money game. Our most popular features include:

• High-interest, automatic saving
• Cashback Rewards
• Interest-free salary advances
• Weekly money games and quizzes
• Insight into your daily, monthly and weekly spending habits
• And roast mode, which we’re pretty sure is the most entertaining way to not be broke

What’s New

Version 1.16.0

- Cleo Wallet is now native to the app - so you can put aside money beautifully and easily.
- Feature release: cashback on your spending. We're calling it Daily Cash.
- New dashboard designs, and improvements to navigation.
- Fixed some bugs! Standard.

Ratings and Reviews

4.5 out of 5
2.6K Ratings

2.6K Ratings

ChyAnnieeee ,

Love it but kinda sad

Okay so I have a bank that is like an only in the area kinda bank. Like it’s not very popular or big, idk why I let my mom talk me into banking with them but I did, anyways you guys don’t have it it’s Desert Communities Federal Credit Union, there’s similar ones but not the one I need, but my bank is merging with another called Arrowhead credit union and I believe that was in the search for banks. So I kinda have a question and hopefully it’ll get answered, my bank is doing the merge August 1, will my setup work then? Someone let me know. And I suggest before getting all excited about a really cool financial app like this you think about if your banked with a nation wide bank or if your bank is more local in your area because they might not have it.

Lina210618 ,

I’m still going to try...

I was recommended Cleo by a friend who loves how user friendly it is and how it can roast her, and I thought it would be great for my chronic overspending problem. I downloaded it and immediately starting having problems. First it took awhile to connect my bank account and now here’s two of the same one. Second, when adding my income (which I had to do manually, as I couldn’t choose one of the suggested ones) it was in pounds, not dollars, and it would NEVER save. Third, making my own budget (as the one Cleo suggested was just not gonna work for me) was difficult because it always said I didn’t have enough money to cover my spending. I went in vacation this month and spent a lot of money, but I wasn’t hoping on starting the budget this month. I guess I’ll try again next month and see if I have any luck. Also, when I was trying to identify bills, it was next to impossible as I have multiple iTunes bills and I couldn’t specify which ones update when or choose prices.

Suggestions: Make it easier to view which bank accounts are linked. Fix currency. Have a reset button for the entire app. Make a button when creating a budget on when it should start (like it will start when the next month comes around). Focus more on working on upkeep and not just making it yell at me. Let me manually input prices when it comes to bills.

Right now I’m not very happy with Cleo, but I really want it to work. I will try again next time I get paid so we will see.

Zoiemo ,

Maybe I just budget differently than Cleo does...

I’ve really tried with Cleo. Twice, actually. But the app just doesn’t seem to speak the same financial language I do. I use Simple banking and their app is already set up for envelope budgeting. So once I separate out each paycheck, I budget based on what’s leftover. But Cleo only sees my total amount, not the leftover amount, which is what I actually need her help with. Even when I try to plug my bills into her, she still doesn’t get any of the numbers right and it’s all just more trouble than it’s worth. Not to mention the app being totally unintuitive. I might try again it’s ever tweaked so I have a bit more control over the budget and what transactions are handled than Cleo does (meaning, I handle all of the numbers myself and Cleo just records and informs me of transaction types of my choosing and then does the math to adjust the spending budget - more like an assistant). But since that doesn’t seem to be an option right now and Cleo doesn’t play nice with other budgeting tools, I’m giving up...again.


Cleo AI Ltd
39.3 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 9+ for the following:
Infrequent/Mild Profanity or Crude Humor
© Cleo AI Ltd


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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