Alternatives
Cleo alternatives in 2026
Updated
CleoBudgeting appCleo is a budgeting app. Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month. We checked that on Oct 25, 2026. Below are 14 other apps, starting with the 12 budgeting apps and then AI money tools. They're ranked by how close each app's category is to Cleo's, not by how good it is, and every fact shows the date we checked it.
Short answer
The closest alternatives to Cleo are Albert, Copilot Money and EveryDollar, because Albert, Copilot Money and EveryDollar are also budgeting apps. Cleo has a free version. We checked Cleo on Oct 25, 2026, and each card below puts an alternative's price, trial, platforms and ratings next to Cleo's, with the date we checked them.
What Cleo and its alternatives cost
- Cleo
$5.99a month
Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.
Cost over 1 and 3 years: $44.99 and $134.97, at the yearly list price before tax.
Albert$19.99a month
Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
Copilot Money$13a month
Copilot Money costs $13 a month, or $95 a year billed yearly.
Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.
As of · copilot.money
EveryDollar$17.99a month
EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
Cost over 1 and 3 years: $79.99 and $239.97, at the yearly list price before tax.
As of · everydollar.com
Goodbudget$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
Cost over 1 and 3 years: $80 and $240, at the yearly list price before tax.
As of · goodbudget.com/signup
HoneydueHoneydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
Monarch Money$14.99a month
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · monarch.com/pricing
Origin$12.99a month
Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.
PocketGuard$12.99a month
PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
Cost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.
As of · pocketguard.com/pricing
Quicken Simplifi$6.99a month, billed yearly
Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.
As of · quicken.com/products/simplifi
Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
YNAB$14.99a month
YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
Cost over 1 and 3 years: $109 and $327, at the yearly list price before tax.
As of · ynab.com/pricing
Fifecta$15a month
Fifecta costs $15 a month or $150 a year.
Cost over 1 and 3 years: $150 and $450, at the yearly list price before tax.
As of · pricelesstay.com/fifecta
Actual BudgetActual is free and open source, and its desktop apps run locally.
As of · github.com/actualbudget/actual
- Finances in ChatGPT
OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
Alternatives to Cleo, closest category first
Each card puts the app's facts next to Cleo's, with the date we checked each one. The order follows how close the category is, not how good the app is.
Other budgeting apps
- Same category
Albert
Budgeting app
Albert is a subscription money app for budgeting, banking, saving and investing, with an AI assistant called Genius.
- Price and fees
- AlbertAlbert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.As of Oct 24, 2026. Source: help.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- AlbertAlbert lists iOS and Android.As of Oct 24, 2026. Source: albert.com
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- AlbertAlbert has 4.6 out of 5 on the App Store from 339,706 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Albert lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Albert lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Albert lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- Albert lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Copilot Money
Budgeting app
Copilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.
- Price and fees
- Copilot MoneyCopilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 25, 2026. Source: copilot.money
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.As of Oct 25, 2026. Source: copilot.money
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,708 ratings.As of Oct 25, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Copilot Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Copilot Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Copilot Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
EveryDollar
Budgeting app
EveryDollar is a zero-based budgeting app from Ramsey Solutions with a free version and a paid premium version.
- Price and fees
- EveryDollarEveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.As of Oct 25, 2026. Source: everydollar.com
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- EveryDollarEveryDollar lists iOS, Android and Computer.As of Oct 25, 2026. Source: ramseysolutions.com/money/everydollar
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,169 ratings.As of Oct 25, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- EveryDollar lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- EveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- EveryDollar lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Goodbudget
Budgeting app
Goodbudget is an envelope budgeting app with a free version and a paid Premium version.
- Price and fees
- GoodbudgetGoodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.As of Oct 24, 2026. Source: goodbudget.com/signup
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- GoodbudgetGoodbudget lists Web, Android and iPhone.As of Oct 24, 2026. Source: goodbudget.com/signup
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,515 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Goodbudget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Honeydue
Budgeting app
Honeydue is a free mobile app for couples to track balances, budgets and bills together, with controls over what each partner shares.
- Price and fees
- HoneydueHoneydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.As of Oct 24, 2026. Source: support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- HoneydueHoneydue lists iOS and Android.As of Oct 24, 2026. Source: honeydue.com
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- HoneydueHoneydue has 4.5 out of 5 on the App Store from 10,274 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Honeydue lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Honeydue lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Monarch Money
Budgeting app
Monarch Money is a paid app for budgeting and for tracking your accounts, net worth and goals in one place.
- Price and fees
- Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Oct 24, 2026. Source: monarch.com/pricing
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- Monarch MoneyMonarch Money lists Web, iOS and Android.As of Oct 24, 2026. Source: monarch.com
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 115,317 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Monarch Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Monarch Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Monarch Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Origin
Budgeting app
Origin is a paid app for budgeting, tracking your accounts and investments, and asking an AI advisor about your money, with free partner access.
- Price and fees
- OriginOrigin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.As of Oct 24, 2026. Source: support.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- OriginOrigin lists Web, iOS, Android and Mac.As of Oct 24, 2026. Source: useorigin.com
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- OriginOrigin has 4.6 out of 5 on the App Store from 3,973 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Origin lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Origin lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Origin lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
- Origin lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
PocketGuard
Budgeting app
PocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.
- Price and fees
- PocketGuardPocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.As of Oct 24, 2026. Source: pocketguard.com/pricing
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- PocketGuardPocketGuard lists Web, iOS, Apple Watch and Android.As of Oct 24, 2026. Source: pocketguard.com
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- PocketGuardPocketGuard has 4.6 out of 5 on the App Store from 7,681 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- PocketGuard lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- PocketGuard lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- PocketGuard lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Quicken Simplifi
Budgeting app
Quicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.
- Price and fees
- SimplifiQuicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.As of Oct 25, 2026. Source: quicken.com/products/simplifi
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- SimplifiQuicken Simplifi lists Web and Mobile.As of Oct 25, 2026. Source: quicken.com/products/simplifi
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- SimplifiQuicken Simplifi has 4.5 out of 5 on the App Store from 11,919 ratings.As of Oct 25, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Simplifi lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Simplifi lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
Rocket Money
Budgeting app
Rocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.
- Price and fees
- Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- Rocket MoneyRocket Money lists iOS, Android and Web.As of Oct 24, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- Rocket MoneyRocket Money has 4.5 out of 5 on the App Store from 401,884 ratings.As of Oct 24, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Rocket Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Rocket Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Rocket Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Same category
YNAB
Budgeting app
YNAB is a paid budgeting app built around the YNAB Method, where you give every dollar a job before you spend it.
- Price and fees
- YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Oct 25, 2026. Source: ynab.com/pricing
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Oct 25, 2026. Source: ynab.com/our-app-lineup
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- YNABYNAB has 4.8 out of 5 on the App Store from 61,970 ratings.As of Oct 25, 2026. Source: App Store listing
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- YNAB lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- YNAB lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- YNAB lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Our appFifecta
Budgeting app
Fifecta is the Priceless Tay budgeting app that gives every paycheck a plan with FUNDS, built on your Money Type.
- Price and fees
- FifectaFifecta costs $15 a month or $150 a year.As of Oct 25, 2026. Source: pricelesstay.com/fifecta
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- FifectaFifecta lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 25, 2026. Source: pricelesstay.com/fifecta
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- FifectaWeb app, not in app stores.As of Oct 25, 2026. Source: pricelesstay.com/fifecta
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Fifecta lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Fifecta lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Fifecta lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
AI money tools
- Nearby category
Actual Budget
AI money tool
Actual Budget is an open source, local-first budgeting app built on envelope budgeting that you can self-host.
- Price and fees
- Actual BudgetActual is free and open source, and its desktop apps run locally.As of Oct 25, 2026. Source: github.com/actualbudget/actual
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- Actual BudgetActual Budget lists Windows, macOS, Linux and Web (installable PWA).As of Oct 25, 2026. Source: actualbudget.org/download
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- Actual BudgetDesktop and web app; its official mobile apps are deprecated.As of Oct 25, 2026. Source: actualbudget.org/docs/faq
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Actual Budget lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Actual Budget lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Actual Budget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
- Nearby category
Finances in ChatGPT
AI money tool
Finances is a built-in ChatGPT feature that links your bank accounts through Plaid and shows a money dashboard in ChatGPT.
- Price and fees
- Finances in ChatGPTOpenAI lists Finances for U.S. Free, Go, Plus and Pro users.As of Oct 25, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Oct 25, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
- Platforms
- Finances in ChatGPTFinances in ChatGPT lists Web, iOS and Android.As of Oct 25, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- CleoCleo lists iOS and Android.As of Oct 25, 2026. Source: meetcleo.com
- App store rating
- Finances in ChatGPTFeature inside the ChatGPT app.As of Oct 10, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
- CleoCleo has 4.7 out of 5 on the App Store from 266,378 ratings.As of Oct 24, 2026. Source: App Store listing
Who it fits
- Finances in ChatGPT lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
- Finances in ChatGPT lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
- Finances in ChatGPT lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
Who Cleo and its alternatives are for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Cleo: Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.
As of . Source: web.meetcleo.com
Albert: Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.
As of . Source: help.albert.com
Copilot Money: Copilot Money costs $13 a month, or $95 a year billed yearly.
As of . Source: copilot.money
EveryDollar: EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.
As of . Source: everydollar.com
Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
As of . Source: goodbudget.com
Honeydue: Honeydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
As of . Source: support.honeydue.com
Monarch Money: Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
As of . Source: monarch.com
Origin: Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.
As of . Source: support.useorigin.com
PocketGuard: PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.
As of . Source: pocketguard.com
Simplifi: Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 22, 2026 see a first-year offer of $3.99 a month, billed annually.
As of . Source: quicken.com
Rocket Money: Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
As of . Source: rocketmoney.com
YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.
As of . Source: ynab.com
Fifecta: Fifecta costs $15 a month or $150 a year.
As of . Source: pricelesstay.com
Actual Budget: Actual is free and open source, and its desktop apps run locally.
As of . Source: github.com
Finances in ChatGPT: OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.
As of . Source: help.openai.com
Does it connect to my bank and import transactions?
Cleo: Yes. Cleo's App Store listing says features like Money IQ need at least one bank account connected to the Cleo app.
As of . Source: apps.apple.com
Albert: Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions.
As of . Source: albert.com
Copilot Money: Yes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.
As of . Source: help.copilot.money
EveryDollar: Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.
As of . Source: ramseysolutions.com
Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
As of . Source: goodbudget.com
Honeydue: Yes. Honeydue says it supports over 20,000 financial institutions across 5 countries, from bank accounts and loans to investments.
As of . Source: honeydue.com
Monarch Money: Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.
As of . Source: monarch.com
Origin: Yes. Origin says you can connect to over 11,000 financial institutions.
As of . Source: useorigin.com
PocketGuard: Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.
As of . Source: pocketguard.com
Simplifi: Yes. Quicken says Simplifi connects to over 14,000 financial institutions.
As of . Source: quicken.com
Rocket Money: Yes. Rocket Money says it connects to your accounts through Plaid.
As of . Source: rocketmoney.com
YNAB: Yes. YNAB lets you connect your accounts and import transactions.
As of . Source: ynab.com
Fifecta: Optional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.
As of . Source: pricelesstay.com
Actual Budget: Yes. Actual has built-in bank syncing through goCardless in the EU and UK and SimpleFIN in the US and Canada.
As of . Source: actualbudget.org
Finances in ChatGPT: Yes. OpenAI says Finances connects bank accounts through Plaid and credit through Experian, as separate connections.
As of . Source: help.openai.com
Is there support from the app's makers if I need help?
Cleo: Yes. In-app chat (Ask Cleo) and email.
In their words: “the fastest way to get help is in Ask Cleo.”
As of . Source: web.meetcleo.com
Albert: Yes. Virtual assistant chat, live agent over text or email and phone (support options and voicemail).
In their words: “You can always ask to transfer to a live support agent to get continued support over text or email. Call us at (844) 891-9309 to listen to support options over the phone or leave a voicemail.”
As of . Source: help.albert.com
Copilot Money: Yes. In-app chat and email.
In their words: “Still have questions? Contact us in the app or at support@copilot.money.”
As of . Source: help.copilot.money
EveryDollar: Yes. Live person (free) and coaching (premium).
In their words: “Get support from a live person if you need help.”
As of . Source: ramseysolutions.com
Goodbudget: Yes. Community (Free) and email (Premium).
In their words: “Email support”
As of . Source: goodbudget.com
Honeydue: Yes. Email and in-app chat.
In their words: “You can email us at support@honeydue.com about any concerns, bugs, or suggestions.”
As of . Source: support.honeydue.com
Monarch Money: Yes. In-app help (instant answer) and support ticket.
In their words: “Click Contact Support to get an instant answer or submit a ticket.”
As of . Source: help.monarch.com
Origin: Yes. AI bot with a team member on request (app and web), scheduled phone call and email.
In their words: “Prefer to speak to someone directly? Schedule a call with our Support team at a time that works for you.”
As of . Source: support.useorigin.com
PocketGuard: Yes. Email, AI chat and priority human support (paid plan).
In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.”
As of . Source: pocketguard.com
Simplifi: Yes. Live chat, phone and community.
In their words: “You can reach out to our support team via chat, phone, or the Quicken Simplifi Community, each with specific hours.”
Rocket Money: Yes. In-app chat and email.
In their words: “However, as we are an app-based service, all our support is currently provided digitally.”
As of . Source: help.rocketmoney.com
YNAB: Yes. Chatbot with human handoff and email.
In their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!”
As of . Source: support.ynab.com
Fifecta: Yes. Contact form.
In their words: “Questions about these terms? Use our contact form.”
As of . Source: pricelesstay.com
Actual Budget: Yes. Community Discord (#support channel) and GitHub issues.
In their words: “For questions about installing or using Actual, join our Discord and make a new post in the #support channel”
As of . Source: actualbudget.org
Finances in ChatGPT: Yes. Chat (OpenAI Help Center).
In their words: “Need more help? Contact us for product questions, account support and general troubleshooting.”
As of . Source: help.openai.com
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
FAQ
What are the closest alternatives to Cleo?
The closest alternatives to Cleo are Albert, Copilot Money and EveryDollar, because Albert, Copilot Money and EveryDollar are also budgeting apps. This list is ordered by how close each app's category is to Cleo's, not by how good it is.
How much does Cleo cost?
Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month. We checked this on Oct 25, 2026.
What is Cleo's app store rating?
Cleo has 4.7 out of 5 on the App Store from 266,378 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
What devices does Cleo work on?
Cleo lists iOS and Android. We checked this on Oct 25, 2026.
Keep comparing
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 89 facts, each linked and dated
Cleo5 sourced facts, last checked Oct 25, 2026
- Price and feesweb.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options, as of Oct 25, 2026
- Platformsmeetcleo.com, as of Oct 25, 2026
- Bank syncingApp Store listing, as of Oct 25, 2026
- FeaturesApp Store listing, as of Oct 25, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Albert6 sourced facts, last checked Oct 24, 2026
- Price and feeshelp.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost, as of Oct 24, 2026
- Free trialalbert.com, as of Oct 24, 2026
- Platformsalbert.com, as of Oct 24, 2026
- Bank syncingalbert.com/about/budgeting, as of Oct 24, 2026
- Featuresalbert.com/about/genius, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Copilot Money6 sourced facts, last checked Oct 25, 2026
- Price and feescopilot.money, as of Oct 25, 2026
- Free trialcopilot.money, as of Oct 25, 2026
- Platformscopilot.money, as of Oct 25, 2026
- Bank syncinghelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, as of Oct 25, 2026
- Featurescopilot.money, as of Oct 25, 2026
- App store ratingApp Store listing, as of Oct 25, 2026
EveryDollar6 sourced facts, last checked Oct 25, 2026
- Price and feeseverydollar.com, as of Oct 25, 2026
- Free trialeverydollar.com, as of Oct 25, 2026
- Platformsramseysolutions.com/money/everydollar, as of Oct 25, 2026
- Bank syncingramseysolutions.com/money/everydollar, as of Oct 25, 2026
- Featuresramseysolutions.com/money/everydollar, as of Oct 25, 2026
- App store ratingApp Store listing, as of Oct 25, 2026
Goodbudget6 sourced facts, last checked Oct 25, 2026
- Price and feesgoodbudget.com/signup, as of Oct 24, 2026
- Free trialforums.goodbudget.com/t/premium-level/2994, as of Oct 25, 2026
- Platformsgoodbudget.com/signup, as of Oct 24, 2026
- Bank syncinggoodbudget.com/signup, as of Oct 24, 2026
- Featuresgoodbudget.com/what-you-get, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Honeydue6 sourced facts, last checked Oct 25, 2026
- Price and feessupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Oct 24, 2026
- Free trialsupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Oct 25, 2026
- Platformshoneydue.com, as of Oct 24, 2026
- Bank syncinghoneydue.com/how-it-works, as of Oct 24, 2026
- Featureshoneydue.com/how-it-works, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Monarch Money6 sourced facts, last checked Oct 24, 2026
- Price and feesmonarch.com/pricing, as of Oct 24, 2026
- Free trialmonarch.com/pricing, as of Oct 24, 2026
- Platformsmonarch.com, as of Oct 24, 2026
- Bank syncingmonarch.com, as of Oct 24, 2026
- Featuresmonarch.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Origin6 sourced facts, last checked Oct 24, 2026
- Price and feessupport.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan, as of Oct 24, 2026
- Free trialsupport.useorigin.com/hc/en-us/articles/27519866928013-Is-there-a-free-trial-for-both-monthly-and-yearly-membership-plans, as of Oct 24, 2026
- Platformsuseorigin.com, as of Oct 24, 2026
- Bank syncinguseorigin.com/couples, as of Oct 24, 2026
- Featuresuseorigin.com, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
PocketGuard6 sourced facts, last checked Oct 24, 2026
- Price and feespocketguard.com/pricing, as of Oct 24, 2026
- Free trialpocketguard.com/pricing, as of Oct 24, 2026
- Platformspocketguard.com, as of Oct 24, 2026
- Bank syncingpocketguard.com, as of Oct 24, 2026
- Featurespocketguard.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Quicken Simplifi6 sourced facts, last checked Oct 25, 2026
- Price and feesquicken.com/products/simplifi, as of Oct 25, 2026
- Free trialsupport.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions, as of Oct 25, 2026
- Platformsquicken.com/products/simplifi, as of Oct 25, 2026
- Bank syncingquicken.com/products/simplifi, as of Oct 25, 2026
- Featuresquicken.com/products/simplifi, as of Oct 25, 2026
- App store ratingApp Store listing, as of Oct 25, 2026
Rocket Money6 sourced facts, last checked Oct 25, 2026
- Price and feesrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Free trialhelp.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost, as of Oct 25, 2026
- Platformsrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Bank syncingrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- Featuresrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
YNAB6 sourced facts, last checked Oct 25, 2026
- Price and feesynab.com/pricing, as of Oct 25, 2026
- Free trialynab.com/pricing, as of Oct 25, 2026
- Platformsynab.com/our-app-lineup, as of Oct 25, 2026
- Bank syncingynab.com/pricing, as of Oct 25, 2026
- Featuresynab.com/pricing, as of Oct 25, 2026
- App store ratingApp Store listing, as of Oct 25, 2026
FifectaOur app6 sourced facts, last checked Oct 25, 2026
- Price and feespricelesstay.com/fifecta, as of Oct 25, 2026
- Free trialpricelesstay.com/fifecta, as of Oct 25, 2026
- Platformspricelesstay.com/fifecta, as of Oct 25, 2026
- Bank syncingpricelesstay.com/fifecta, as of Oct 25, 2026
- Featurespricelesstay.com/fifecta-ai, as of Oct 25, 2026
- App store ratingpricelesstay.com/fifecta, as of Oct 25, 2026
Actual Budget6 sourced facts, last checked Oct 25, 2026
- Price and feesgithub.com/actualbudget/actual, as of Oct 25, 2026
- Free trialgithub.com/actualbudget/actual, as of Oct 25, 2026
- Platformsactualbudget.org/download, as of Oct 25, 2026
- Bank syncingactualbudget.org, as of Oct 24, 2026
- Featuresactualbudget.org/docs/tour/accounts, as of Oct 24, 2026
- App store ratingactualbudget.org/docs/faq, as of Oct 25, 2026
Finances in ChatGPT6 sourced facts, last checked Oct 25, 2026
- Price and feeshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 25, 2026
- Free trialhelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 25, 2026
- Platformshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 25, 2026
- Bank syncinghelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 25, 2026
- Featureshelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 25, 2026
- App store ratinghelp.openai.com/en/articles/20001222-finances-in-chatgpt, as of Oct 10, 2026
Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
