A complete breakdown of every The subscription tier — what you get, what it costs, and which plan is right for you.
From completely free to $14.99/month — here's exactly what each tier offers.
Choosing between Its four pricing tiers depends entirely on your financial goals. The Free plan suits users who only want budgeting and spending tracking. Grow ($2.99/month) makes sense if savings automation is your priority — the 3.33% APY savings account alone beats most national savings rates.
Plus ($5.99/month) is the entry point for advances up to $250, ideal for occasional short-term borrowing between paychecks. Builder ($14.99/month) is the premium tier, offering up to $500 in advances and credit-builder card reporting to all three major credit bureaus. The Builder plan is worth it only if you actively use both the advance feature and the credit card monthly.
The honest answer: Plus pays for itself if you would otherwise pay an overdraft fee, which typically costs $30+ per occurrence at most US banks. One avoided overdraft per month covers five months of Cleo Plus subscription. For users who occasionally overdraw their checking account, the math favors subscribing.
However, for users who never overdraft and don't need cash advances, the budgeting features alone may not justify $5.99/month when free apps like Mint, Rocket Money, and Monarch Money offer similar tracking. The unique value comes from the AI coaching personality and advance access — without those, the price feels steep.