Without any doubt, Cleo is one of the best apps for managing finances out there. It is a chatbot that uses AI to help you manage your finance. But as an end-user, you may not like the app or simply look for other apps like Cleo.
If you do, then the post is here to help you out. I have handpicked some of the best apps like Cleo that can be used for checking credit scores, tracking your expenses, creating an investment portfolio, and more.
So let’s just quickly head to the topic:
Best Apps Like Cleo – Our Top Pick👌👌
1. Digit -- Save Money & Invest
At first, there is the Digit. It is one of the best apps that help you to get results and reach your financial goals effectively and effortlessly.
You can use Digit to improve your financial health. Also, you can use it to save money, better budget, invest, and pay off debts.
Digit helps you to discover how you can save money, improve your spending, invest, pay off debts, and more. The best part of Digit is that it analyzes your spending patterns and income in a smart way. So you can reach your savings goals quicker.
There is also an overdraft prevention feature that moves your money back into your checking account. This definitely saves you from paying overdraft fees.
For investing, the app matches you with a suitable investment portfolio. As a result, it would be super easy for you to reach your financial goals. Also, you can invest what you can afford.
The app is also pretty straightforward for you. Simply download the app and create a Digit savings account. However, it is not a free-to-use app. Instead, it costs you $5 each month. But, the app is free for the first 30 days.
2. Spendee – Budget & Money Tracker
By using the app, you would get to see all your financial habits in a single place. As a result, you will be able to stick to your goals in a better way and save more.
Another cool feature that this app is that it allows you to connect your online baking accounts, and e-wallet accounts like PayPal or crypto wallet. So you can see all your wealth in a single place.
Moreover, Spendee displays your data using stylish graphs and infographics. Plus, all your data is automatically categorized. As a result, you can easily get to know about your financial standings.
You can also use Spendee to create budgets for categories where you spend your money the most. This would help you prevent overspending and maintain a positive cash flow.
What’s more? The app also comes with lots of other cool features. Such as budgeting, and wallet support for organizing your cash in a single place.
There is also the shared finance feature that lets you manage money with partners or flatmates efficiently. Plus, it supports multiple currencies.
3. Money Lover
Money Lover is also one of the best apps like Cleo. It is an amazing money and finance management app which offers you tons of features.
Such as, it allows you to monitor all your transactions, create a monthly budget, track your expenditures, and more.
The coolest part of the app is that it automatically tracks your transaction history. This would help you manage your money pretty easily. All you need to do is connect your bank account to Money Lover and you are good to go.
Along with that, you can view your monthly transactions. Plus, there is an option to compare your spending month-wise. Even it allows you to add transactions that will occur in the future.
There are also a bunch of budgeting tools that can be used for managing finances for special events, creating a monthly budget, and adding recurring transactions and bills.
Even the app also provides you insights based on your spending pattern. Plus, you can easily view your monthly balance, earnings/expenses, debts, loans, and other information.
Overall, the app is also absolutely free to use. However, the free version has a limited number of features. But if you upgrade the app, you would enjoy unlimited financial plans and budgets, create financial plans to pay off debts, and more.
4. Mobills: Budget Planner
Next, there is the Mobills. This one is a budget app that can be used for creating a custom monthly budget as per your requirements.
The app can also be used for creating a custom monthly budget. So you can take better control of your money and how you spend it. You can also manage your money, track spending and achieve your financial goals effortlessly.
The app also makes it easy for you to track your expenses and earnings in a better way. So you can have a better understanding of your budget. Plus, it lets you know where your money is going.
The app also allows you to categorize your finances for better planning and money management. Plus, it offers you the ability to manage all your credit cards under a single roof.
Like you can track your limit, the amount due, and bill payment dates with payment reminders. Furthermore, the app also offers you advanced filters by bill, categories, and tag. Also, it supports cloud synchronization.
So the app can be used both online and offline. Plus, it stores expenses with geolocation, stores, and saves your receipts. Also, you can export your report to Excel, PDF, and OFX for better data management.
5. CoinKeeper: expense, money manager, budget planner
CoinKeeper is another excellent app for budgeting. It offers you complete finance management experience. With this one, you are getting features like earning and expense tracking, budgeting, bills, and more.
It allows you to figure out where you spend your money and prevents you from overspending. Also, it offers you an easy way to plan and manage your finances.
The app is also pretty easy to use. Also, it allows you to quickly add income or expenses due to the app. Plus, you can set monthly budgets and do better financially.
CoinKeeper also allows you to manage a family budget. Also, it supports cloud sync, so you can use your account on multiple devices to check your account balance, expenses, and earnings in a single place.
As well as it comes with tons of features. Like you can create financial goals for something you wish to buy. It also helps you with reminders for recurring payments.
You can also get detailed statistics, debt management, and more. Also, you can export your data in CSV format, and it supports all world currencies.
6. Stash: Invest & Build Wealth
Up next, there is the Stash. This one is a personal finance app that can be used for easy investing. It works as an automated investing tool that lets you reach your financial goals.
Along with that, it also offers you a bank account with a Stock Back card and a debit card for rewards. Moreover, it also allows you to score bonus stock every week.
In addition to that, it offers you fractional shares. As a result, you will be able to choose how much you would like to spend. Also, you can choose from a wide range of ETFs and stocks.
However, it is not free to use the app. Instead, it comes with three plans with different benefits and subscription fees.
For instance, if you go for the STASH BEGINNER plan costing you a dollar each month, you would enjoy investing, stock back card, banking, saving tools, and more.
The 3$/month STASH Growth plan comes with all the beginner plan’s benefits and an account with investing tax benefits.
Lastly, there is the STASH+ plan costing you $9/mo, which offers you premium research & advice, $9,000 more of life insurance offered by Avibra, and children’s investment accounts.
Zenmoney is another excellent app for budgeting. The best part of the app is that it supports the automatic tracking of expenses. It works by recognizing text messages and automatically creating transactions.
You can use the app on two different platforms. Plus, as it supports data synchronization. As a result, your data gets synced across the platforms. So no matter what device you are using, your data is at your fingertips.
Moreover, the app also displays a general overview of your finances. Such as cash, credit cards, loans, deposits, checking, and more. Plus, you will get to know where your money is going, and how much money is available.
Plus, it will let you know how much you should put aside to pay the bills. Even you can keep track of how much money you owe to others and vice versa.
Moreover, with Zenmoney, you will be able to manage your domestic economy by planning and monitoring the family budget. You can also divide your accounts into personal accounts and joint accounts.
You can also see your earnings and expense and analyze them. It also lets you plan your upcoming payments, predict your future expenses, and more.
You can also have a look at Cubux. This one is a simple yet convenient app to manage your finances and keep family records.
With the help of the app, you will be able to manage and control your earnings and expenses with your family on different phones.
Also, the app supports synchronization with a web portal. So no matter what device you are using, you will have access to your finance.
Along with that, it offers you tons of features. For instance, you would enjoy quick and easy creation of income and earnings. Plus, you can transfer cash in just three clicks.
It supports data synchronization with the version in the browser www.cubux.net. So even if you lose your phone, all the data will remain on the website. Plus, you can invite your family members to your account.
The app also supports all world currencies with constant update rates. Even it supports customizable rates during transaction operation.
What’s more? The app offers you a debt and budget module, convenient analytics, and the ability to export to XLS format. Plus, the app can be downloaded free of cost.
9. AndroMoney – Apps like Cleo that work with chime
Next, there is the AndroMoney. This is one of the best apps for tracking your expenses efficiently and keeping accounts.
The app has support for Android, iOS, and Web and works pretty well. You can use the app to manage your wealth in a better way.
The app’s UI is pretty straightforward to use, so you wouldn’t really face any issues while using it. Plus, it offers you powerful features like managing categories, daily accounting, drawing detailed reports, and more.
You can also use the app to manage multiple accounts and to transfer balances between them. It also supports cloud storage services like Dropbox.
Even, you can also sync the app with other devices, add any currency with downloadable rates. As well as a number pad with calculations, it has hierarchical categories and custom attributes.
Moreover, it also supports simple, detailed, and custom budgets. Also, you will get different chart types like a trend, pie and bar, and cash flow. The app even provides you with an overview of your expenses and income summary.
Overall, the app can be downloaded free of cost, and it surely offers you a smooth user experience.
10. Expense IQ
Next, there is Expense IQ. This one is the ultimate money manager apps like Cleo that comes with a budget planner, an expense tracker, a checkbook register, and more.
The app makes it extremely easy to track down transactions. So you will know where your money is going. Plus, you can track your daily expenses pretty easily. Also, it only takes a second to enter a transaction.
In addition, the app has a predictive engine that can help you fill out transaction details. So you can add records quickly.
You can also attach photos/images for each transaction and create a project to group related expenses like traveling and occasions.
Moreover, with its effective budget planning, you can stay out of debt. Plus, you will be able to spend less and save more. Also, with timely bill reminders, you can pay all your bills at times.
Also, it analyzes your spending pattern and offers you detailed reports. Moreover, it supports up to 12 reports and charts. This includes expenses by category, monthly cash flow, earnings vs expense, and more.
Even, can also split transactions with transfers for multi-categories in one transaction. Plus, it offers you a convenient and easy-to-use user interface.
11. Albert: Banking on you ($100 loan instant app)
Albert is also one of the best apps like Cleo that you can check out. It offers you better banking, saving, investing, and budgeting solution.
Also, you will get an Albert debit card which will offer you a cash app. Also, if you set up a direct deposit, your paycheck will become available up to two days earlier.
Plus, you will enjoy features like saving, managing and investing. Moreover, with Albert, you can get up to $250 from your next paycheck.
It doesn’t have any late fees or interests or any credit checks. Also, there is no mandatory timeframe. So whenever you need urgent money, the app can be an ideal choice.
Furthermore, the cash advance apps also tracks your income and spending. So you can find extra dollars that you can save or invest. Also, you will enjoy cash bonuses for saving.
And whenever you need money, you can withdraw it from the savings you have kept aside. Also, the app is absolutely free to download and use. But yes, to avail of certain features, you may have to pay a certain fee.
12. Monefy – Budget Manager and Expense Tracker
Next, there is the Monefy. This one is a financial organizer and finance tracker. You will only have to add each expense you make, and it will track all your spending. You can use the app to effectively track your daily purchases, bills, and everything else.
Even apart from being a money tracker. It is also a savings app that helps you with money management. By using the budget planner, you can compare your personal expenses to your monthly income.
Moreover, Monefy helps you to synchronize data between multiple devices. From multiple devices, you can easily create or modify records, add new categories or delete old ones.
In addition to that, it also comes with other features. Like, you will be able to see your spending distribution on an easy-to-read chart. Plus, you will enjoy detailed information from the record list.
Even it offers you complete control over your recurring payments, and you can track multiple currencies. Also, it lets you access your spending tracker easily with handy widgets.
What’s more? You can use multiple accounts, manage custom or default categories, and much more.
You can also check out NerdWallet. This one is a finance tracker that offers you tailored insights and helps you make the most of your money.
It allows you to see all your financial accounts on one single screen. Plus, you can deep dive in to check where your money is going, what is left in your budget, and so on. Even, it also lets you keep an eye on your credit profile and credit report.
The app offers you a bunch of tools that make tracking and budgeting personal finance extremely easy. You can use the app to know your cash flow by checking up on all your bills, cards, and financial accounts.
Along with that, you can track spending across multiple cards and bank accounts. Also, you will get o see a breakdown of your top spending categories.
So you can adjust your budget, cut back on spending, and more. Even you can see how all your money moves add up. Plus, it will show you the big picture of your finance. Like your totals for debts, investments, cash, and more.
14. Brigit – Apps like Cleo To Get Upto $250
Up next, there is the Brigit. This is yet another one of the best apps like Cleo that can be used for getting cash advances. It offers you up to $250 instant cash advances.
Along with that, it helps you to build credit while you save. You can score up to 60 points with Brigit’s credit-builder account. Also, it doesn’t require any credit check or credit.
The app offers you loans at 0% APR. Along with that, it offers you a term of 1 to 2 years, and you can always repay early.
Plus, the credit builder loans are issued by Community Bank, Member FDIC. Also, in most cases, it doesn’t charge you any processing, late payment fees, transfer fees, or early payment fees.
Along with that, it helps you with credit monitoring, score tracker, and full credit reports. So you can monitor your credit score easily.
Getting started with the app is also pretty easy. Just download the app and connect your bank account, and you are good to go.
In the end, I have Olivia. This one is your personal financial advisor powered by AI and behavioral economics. The app is designed to analyze your spending habits.
So it can predict your future purchases and offer you insights on how you can save and spend effectively.
The app also uses open finance. As a result, it gives you access to your financial information in one organized space.
Also, you can use the app to view all your accounts in one place, review your spending, accurately organize by category, track where your money is going, and more.
Along with that, it analyzes your spending patterns. So you can get personalized recommendations. This definitely helps you to save more. Also, you can create an effective saving goal.
The app is also free to download and use, and it is pretty easy to get started with. All you have to do is connect your bank account to the app. And then, it will start sending you personalized recommendations for your financial goals.
✅FAQ on apps like Cleo
Does Cleo give you $100?
Overdrafts can be distressing when it comes to managing finances. However, Cleo allows you to borrow $100 that too interest-free instantly. You can do this whenever you need to.
How much will Cleo let me borrow?
With the advanced features of Cleo, you can borrow some quick cash. The first-time users are likely to get $20 – $70. However, you can also get up to $100 if you qualify.
What’s the easiest app to get cash advances?
Dave, Empower, PayActiv, Brigit, MoneyLion, and other top apps to receive cash advances. Everyone can get stuck in a situation when money is urgently required. These apps can let you borrow money.
Can you borrow from CashApp?
CashApp offers a short-term loan scheme called Cash App Borrow. Individuals can borrow up to $200 if eligible. They get about four weeks to repay it. One receives a flat fee of 5%.
How much can I borrow from Migo?
Migo can be called an automated online moneylender. It offers opportunities like single-payment loans, payroll loans, and installment loans. There is no collateral or guarantor required.
Does Cleo give you money instantly?
Yes, Cleo can let you borrow money instantly whenever you need it. One can borrow up to $100 through Cleo.
So those were some of the best apps like Cleo. Now go ahead and have a look at these apps and see which one you like the most. Also, if there is anything you would want to ask, do let me know through the comments.