Cleo AI: Smart Money Manager icon
How Cleo AI Actually Helps You Manage Money Better

by Cleo AI Ltd

4.6
IOSFinance
If you’ve ever struggled to keep track of spending or needed a little financial cushion before payday, Cleo’s got your back. This app connects to your bank, tracks expenses in real time, and even offers cash advances without credit checks. It’s like having a money-savvy friend who nudges you when you’re overspending and helps out in a pinch.

My Full Experience

I’ve been using Cleo for about six months now, and it’s honestly changed how I handle my finances. One of the biggest pain points for me was always forgetting small purchases—that daily coffee or impulse online buy—and then wondering where my money went. Cleo sends notifications almost instantly after a transaction, so you’re always aware. It categorizes everything automatically, which makes budgeting way less painful. Where it really shines, though, is the cash advance feature. I remember last month my car tire blew out, and I was short on cash till payday. Cleo spotted me $120, deposited same-day for a small fee (you can also wait a few days for free). They determine your advance limit based on your income patterns, not your credit score, which is huge for people rebuilding credit or just starting out. The app isn’t perfect—sometimes the categorization is a little off (it thought my vet bill was ‘entertainment’ once, lol), but it’s easy to recategorize. Also, the interface is fun and engaging, almost like chatting with a friend. It doesn’t judge; it just helps. If you’re someone who needs help staying on budget or occasionally needs a short-term boost, Cleo’s worth downloading.

Key Features

  • Real-time spending alerts and categorization
  • No-credit-check cash advances up to $300
  • Flexible repayment and deposit options

Why Users Love It

Builds credit without hard checks
Instant notifications keep you aware

Perfect for: Perfect for young adults, freelancers, or anyone rebuilding credit who wants better spending insight and occasional advances.

📊Ranking History

Track Cleo AI: Smart Money Manager's performance in Finance over the last 30 days

Top 5
Top 10
Top 15
Below 15

Current Rank

#44

1 from last week

Best Rank

#37

🏆

All-time high

Average Rank

#43

📈

30-day average

User Reviews

Surfergirl365
Sep 5, 2025

I finally found a money budgeting get my debt under control teaching app, easy to understand and easy to manage. And the only reason I chose this app is because my middle name is Cleo! But I’ll be back in 25 days I would have hit 30 days and I’ll check my progress! But so far I’m liking it! At last I finally found a money budgeting get my debt under control teaching app, easy to understand and easy to manage. And the only reason I chose this app is because my middle name is Cleo! But I’ll be back in 25 days I would have hit 30 days and I’ll check my progress! But so far I’m liking it!

Kanye Mest
Sep 5, 2025

Monitors your spending properly & can assist you when you allow it to Money well monitored Monitors your spending properly & can assist you when you allow it to

!:!:):):$/!/?/?
Sep 5, 2025

Just needs some minor tweaks like telling us some things about the card like we can only withdraw from certain places and somethimes the card is a little trouble on payments I just try the payment again and it works but other then that the money is there when I need it oh and one more thing you should be able to take money off not withdraw like move it from one card to another but other then that 4 and a half stars It was the best app I could have wished for Just needs some minor tweaks like telling us some things about the card like we can only withdraw from certain places and somethimes the card is a little trouble on payments I just try the payment again and it works but other then that the money is there when I need it oh and one more thing you should be able to take money off not withdraw like move it from one card to another but other then that 4 and a half stars

Cleo Crew
Sep 6, 2025

Great apo they helo you manage uour money and have lots of helpful tios to help you. Saving money that there game. And getting you. Your life on track thats there goal seems to me with all the good advice they give me if you spend too much they can help Cleo Great apo they helo you manage uour money and have lots of helpful tios to help you. Saving money that there game. And getting you. Your life on track thats there goal seems to me with all the good advice they give me if you spend too much they can help

Tony Halsaver
Sep 6, 2025

They rob you of your money!!! I never received my advance, but they charged me for it !!! Thieves/ crooks They rob you of your money!!!I never received my advance, but they charged me for it !!!

App Details

Developer

Cleo AI Ltd

Platform

ios

Rating

4.6

Last Updated

9/6/2025