Cleo Pricing
Finance & Investing
$5.99 a month for Plus
Pro is $8.99 a month and Builder $14.99 a month. Plus also bills yearly: $44.99 a year. Free costs $0.
Cleo pricing
| Plan | Billed monthly | Billed yearly |
|---|---|---|
| Free | $0 | |
| Plus The essentials you need to take control of your money: cash advance, credit tips and score monitoring, and a personalized Debt Reset plan. | $5.99 a month | $44.99 a year ≈ $3.75 a month our math Saves 37% our math |
| Pro Advanced AI that remembers your goals and knows how to achieve them, plus high-yield savings to grow your money faster. | $8.99 a month | Not listed |
| Builder Our most complete financial toolkit and powerful AI. Build credit with Cleo Card and access your paycheck up to 2 days early. | $14.99 a month | Not listed |
What Free includes
- Chat with Cleo, the AI money assistant, any time
- Spending insights, budgeting and saving help at no fee
- A cash advance can be requested without subscribing
- Credit score, Debt Reset and savings APY need a paid plan
What Plus includes
- Cash advance up to $250, subject to eligibility ($20 to $100 for first-time users)
- Credit score monitoring and credit tips, with a full Equifax report
- Debt Reset: a personalized plan to pay down what you owe
- Same-day advances cost an express fee of $4.49 to $14.99; standard delivery in 3 to 4 days is free
Pro also lists
- Everything in Plus: cash advance up to $250, credit score monitoring, Debt Reset
- High-yield savings with a variable APY (banking by Thread Bank, Member FDIC)
- Savings goals and Save Hacks
- Advanced AI coaching, including voice chat and conversation memory
- Monthly only; Cleo sells no annual Pro plan
Builder also lists
- Everything in Pro: high-yield savings, advanced AI coaching, Debt Reset, credit score
- Cleo Card for building credit, issued by WebBank (subject to approval, $1 minimum deposit)
- Cash advance up to $500 ($150 to $180 for first-time users; the full amount needs $750 a month in direct deposits)
- Early income access: your paycheck up to 2 days early with direct deposit
- The Cleo Card needs an active Builder subscription; after 90 days unpaid the card is closed
Source: web.meetcleo.com
Price history
We check Cleo's prices by hand, not nightly.
Last checked Oct 26, 2026.
How to cancel Cleo
In the Cleo app, open your profile, tap Subscriptions and then Unsubscribe from Cleo Plus. On Builder, scroll to Manage Cleo Builder, tap Unsubscribe, then Unsubscribe from Cleo Builder: because Builder also closes your Cleo Card, you then tick both Before you cancel boxes, verify your phone by text, pick the bank account for any money left on the card and tap Close my account. Your plan runs to the end of the month you paid for, and a refund only comes inside the 27-day Grace Period in Cleo's terms. If the app won't let you cancel, email team@meetcleo.com.
Why this score?
Computed from five weighted dimensions: required steps, retention friction, channel restrictions, refund policy, and recovery hostility. See the full rubric.
If you're reconsidering Cleo
Other finance & investing services in the same space.
Curated by category. Not paid placements.
Sources & corrections
- Last full audit: October 26, 2026
- Pricing source: https://web.meetcleo.com/products/pricing
- Cancellation source: https://web.meetcleo.com/faqs/en/articles/3325860-how-do-i-cancel-cleo-plus
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