Employees, freelancers, and students who want to understand their budget without opening a spreadsheet. If on the 25th of the month you wonder where your paycheck went, read on.
Cleo (cleo.ai), a financial assistant that chats with you like a friend: it categorizes your spending automatically, tells you where you overshoot, and helps you set money aside without thinking about it.
Trigger: An expense appears on your account — categorizes it, compares it to the budget, and alerts you, and you get an up-to-date budget and visible overspending.
$0 to $15/month (free plan to get started). Permanent free plan.
Yes. Permanent free plan.
Level: Easy. Setup takes 4 steps; the first one: Download Cleo and connect your bank account in a few clicks.
Never make an investment decision on its advice alone: it's a budget coach, not a financial advisor. Check the automatic categories during the first month.
I waste 40 minutes a day sorting my emails
$50 in free credits for 7 days, then from $49.99/user/month (5,000 credits).
My notes and documents are scattered everywhere, I can't find anything anymore
€0/month with a free Google account (paid Google AI plans optional: Plus from ~€5/month, Pro ~€22/month, for more capacity).
My calendar is overflowing and I can't fit in my real tasks anymore
$0 to $12/month (free plan is enough to get started).
I waste hours looking for reliable answers online
$0 to $20/month ($17/month billed annually; Max at $200/month, or $167 billed annually). The free version is more than enough for everyday use.
Profile updated on November 1, 2026 — see what's new at the Directory.