Cleo
How does Cleo's chatbot help with budgeting?
Cleo uses a casual, conversational chatbot that responds to natural language questions like "What did I spend this week?" or "Can I afford pizza?" It checks your budgets and spending in real time, giving you simple, honest answers without confusing charts or corporate jargon.
Can I set up sub-goals within a savings category, like separate buckets for flights and hotels under 'Travel'?
No, Cleo keeps savings goals as one big bucket per category. For example, a "Travel" goal can't be broken down into smaller sub-goals like flights or hotels. If you need detailed goal tracking, you might need a dedicated savings app or a spreadsheet alongside Cleo.
My teenager saw the 'Roast' mode and I'm worried about inappropriate language. Can I control that?
Yes, you can turn off the "Roast" mode in the app's settings. While the language is generally harmless for adults, it can include sassy or blunt remarks that may not be suitable for kids. Switching to the default "Nice" mode keeps interactions friendly and family-friendly.
Why can't I see my spouse's spending from their accounts in my Cleo view?
Cleo is designed for individual use, not shared household tracking. It only shows spending from the accounts you personally link. To get a combined view, you'd need to use a joint budgeting app like YNAB or Honeydue that supports shared access and multiple user accounts.
How does Cleo compare to a traditional budgeting app like Mint?
Cleo focuses on a friendly, chat-based experience that feels less like a corporate tool and more like a helpful friend. Mint offers more detailed graphs, sub-categories, and multi-account household tracking, but it can feel cluttered and shows ads. Cleo is simpler and ad-free, but lacks advanced features like splitting savings goals or tracking a partner's spending.
