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“I never know where my money goes at the end of the month”

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.

Recommended agent: Cleo
💰 $0 to $15/month (free plan to start). Level: Easy 🌍 United Kingdom Permanent free plan

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.

How it works

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.

Step-by-step setup

  1. Download Cleo and connect your bank account in a few clicks.
  2. Chat with the assistant (“where did my money go this month?”).
  3. Set a budget together per category (groceries, going out, transport).
  4. Get alerts when you drift and encouragement when you save.
⚠️ Guardrails: 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.
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Frequently asked questions

How much does Cleo cost?

$0 to $15/month (free plan to get started). Permanent free plan.

Is Cleo free?

Yes. Permanent free plan.

Is Cleo hard to get started with?

Level: Easy. Setup takes 4 steps; the first one: Download Cleo and connect your bank account in a few clicks.

What limits and guardrails should you know about with Cleo?

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.

Other agents for this problem

Lindy

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Leexi

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NotebookLM

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Reclaim.ai

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Perplexity

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See also

“I waste 40 minutes a day sorting my emails” — Lindy“I leave every meeting without usable notes” — Leexi“My notes and documents are scattered everywhere, I can't find anything anymore” — NotebookLM

Profile updated on November 1, 2026 — see what's new at the Directory.