Cleo Pricing
Starting price
$2.99/month
Pricing model
Paid
Free tier
Yes
Free trial
No
Plans
| Plan | Price | Billing | Notes |
|---|---|---|---|
| Free | $0 | month | Expense tracking; Budget insights; Chatbot services |
| Grow | $2.99 | month | Targeted savings; Financial growth features |
| Plus | $5.99 | month | Cash advance $20-$250; Credit score access; Advanced budgeting |
| Pro | $8.99 | month | Voice chat; Conversation memory; Advanced AI features |
| Builder | $14.99 | month | Credit Builder card; Build credit history; Cashback rewards |
Figures are the vendor's published prices. Unknown values show as “—”. Price-history tracking is not yet available for this tool. Price verified 2026-10-03. Last updated 2026-10-08.
True cost
True cost calculator
| Plan | Listed | Seat basis | Monthly · 5 seats | Annual · 5 seats |
|---|---|---|---|---|
| Free | $0/month | flat | $0 | $0 |
| Grow | $2.99/month | flat | $3 | $36 |
| Plus | $5.99/month | flat | $6 | $72 |
| Pro | $8.99/month | flat | $9 | $108 |
| Builder | $14.99/month | flat | $15 | $180 |
Estimate from published prices. Per-seat plans scale with seats; flat plans don't; plans with included seats charge the base until you exceed them, then add the per-seat overage where published. Monthly/annual come from each plan's billing period. Taxes and add-ons excluded.
Cleo's starting price ($2.99) is 95% below the API Management average of $66.