Cleo AI What Is It & How to Use It? 2025 Guide The Budgeting Sidekick You Need!

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If you have ever wished for a financial assistant who does not judge your impulsive online shopping habits but instead helps you budget better—meet Cleo AI. This sassy, AI-powered finance app is designed to help you track spending, set budgets, save money and even roast you for bad financial decisions (because tough love works!).

Whether you are new to budgeting or just looking for a fun way to manage your money, Cleo makes personal finance easy, engaging and dare we say, entertaining. Let’s dive into what Cleo is and how you can use it to take control of your finances in 2025.

What is Cleo AI?

Cleo AI is an AI-powered finance app that acts as your personal budgeting assistant. It connects to your bank accounts, analyzes your spending habits, and offers guidance on how to spend smarter, save better and stay financially accountable.

But what really sets Cleo apart?

  • Chat-Based Interface – You can literally chat with Cleo like you would with a friend (except this friend is ridiculously smart with money).
  • Budgeting Made Fun – Cleo breaks down your spending, suggests realistic budgets and even lets you set challenges.
  • Savings Features – Want to save up for that dream vacation? Cleo can automate savings for you.
  • Cleo Roast Mode – If you need a little tough love, Cleo will call you out on unnecessary purchases (“Did you really need that 5th iced coffee this week?”).
  • Cash Advances – Need a little extra cash before payday? Cleo offers small interest-free advances (if eligible).

Essentially, Cleo AI is like having a finance-savvy best friend in your pocket who keeps it real with your spending habits.

How to Use Cleo AI

Using Cleo AI is super simple. Here is how you can get started:

1. Sign Up for Cleo

Signing up is easy and takes just a few minutes. Here’s how:

Step 1: Download the Cleo App

  • Go to the App Store (iOS) or Google Play Store (Android) and search for “Cleo AI.”
  • Tap Download and install the app on your phone.

Step 2: Create an Account

  • Open the app and tap “Get Started.”
  • Enter your email address and create a strong password.
  • Verify your email (Cleo will send you a confirmation link).

Step 3: Connect Your Bank Account

  • Cleo needs to analyze your spending, so you will need to link your bank account.
  • Tap “Connect Bank” and choose your bank from the list.
  • Log in using your bank credentials (don’t worry, Cleo uses secure encryption for privacy!).

Step 4: Customize Your Financial Goals

  • Set up budgeting categories like food, shopping, entertainment, and bills.
  • Decide how much you want to save each month.
  • Turn on “Cleo Roast” mode (only if you can handle a little financial sass!).

Once you are signed up, Cleo will start tracking your spending, offering budgeting advice, and even helping you save automatically.

Cool Features You’ll Love

Now that you are in, here are some of Cleo’s coolest features you should check out:

1. Budgeting in a Fun Way

Cleo analyzes your transactions and categorizes your spending to show where your money is going. You can set a weekly or monthly budget and let Cleo help you stick to it.

2. “Save the Change” Feature

Ever wish you could save without thinking about it? Cleo rounds up your purchases and automatically saves the spare change into a savings pot. It’s like digital piggy banking!

3. Cash Advances for Emergencies

If you are short on cash before payday, Cleo offers interest-free cash advances (eligibility required) to help you out in a pinch.

4. Daily Spending Breakdowns

Want to know how much you have spent on coffee this month? Cleo provides daily and weekly spending breakdowns so you can track where your money is going.

5. Fun Challenges to Save Money

Join saving challenges like “No-Spend Weekend” or “$5 Daily Save” to boost your savings without feeling deprived.

Is Cleo Safe to Use?

Yes! Cleo uses bank-level encryption and never stores your login credentials. It is 100% secure and only has read-only access to your transactions, meaning it cannot move money from your account without your permission.

Should You Try Cleo AI?

If you struggle with budgeting, Cleo AI is a game-changer. It makes personal finance fun, easy and interactive, whether you need help saving, managing your spending, or just getting a reality check on your finances.

With Cleo’s smart AI, sassy responses and useful features, managing money does not have to feel like a chore anymore.

Give it a try! Download Cleo AI today and take control of your finances—without giving up that iced coffee (well, maybe just one).

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