4 Best Cleo Alternatives in 2026
Copilot Money is the best overall Cleo alternative, and Wealthfront is the best free option. Below are the top Finance & Investing tools ranked by our rating, with pros, cons and pricing model for each.
- Premium features paid
- US/UK only
Top Cleo alternatives compared
| # | Tool | Best for | Pricing | Rating |
|---|---|---|---|---|
| - | Cleo (current) | AI financial assistant with personality. | Freemium | 4.5 |
| 1 | Copilot Money | AI-powered personal finance tracker. | Paid | 4.8 |
| 2 | Wealthfront | AI-powered automated investing and financial planning. | Freemium | 4.7 |
| 3 | Monarch Money | AI-powered budgeting and wealth management. | Paid | 4.7 |
| 4 | Mezzi | AI investment portfolio analyzer. | Freemium | 4.6 |
Copilot Money
4.8PaidAI-powered personal finance tracker.
Copilot Money uses AI to categorize transactions, track spending patterns, and provide personalized financial insights. It connects to your bank accounts and gives you a clear picture of where your money goes with smart budgeting and bill tracking.
- Smart categorization
- Spending insights
- Bill tracking
- iOS only
- Subscription required
Wealthfront
4.7FreemiumAI-powered automated investing and financial planning.
Wealthfront uses AI for automated portfolio management, tax-loss harvesting, and financial planning. Their Path tool simulates thousands of financial scenarios to optimize your saving and investing strategy. Low fees with sophisticated AI-driven rebalancing.
- Automated investing
- Tax-loss harvesting
- Financial planning AI
- No human advisors
- Limited customization
Monarch Money
4.7PaidAI-powered budgeting and wealth management.
Monarch Money combines AI categorization with comprehensive financial tracking. See all your accounts, investments, and subscriptions in one dashboard. AI detects recurring charges, predicts cash flow, and suggests savings opportunities.
- All-in-one dashboard
- AI categorization
- Cash flow forecasting
- Paid only
- No free tier
Mezzi
4.6FreemiumAI investment portfolio analyzer.
Mezzi acts as an AI financial advisor for your investment portfolio. It analyzes asset allocation, identifies tax optimization opportunities, detects hidden fees, and suggests rebalancing moves. Connects to brokerage accounts for real-time analysis.
- Portfolio analysis
- Tax optimization
- Fee detection
- Investment focus only
- Premium for full features
Frequently Asked Questions
What is the best alternative to Cleo?
Copilot Money is the strongest Cleo alternative in our Finance & Investing rankings, rated 4.8 out of 5. AI-powered personal finance tracker. It suits people who want to avoid this Cleo limitation: premium features paid.
Is there a free alternative to Cleo?
Yes. Wealthfront has a free tier and is rated 4.7 out of 5. AI-powered automated investing and financial planning. Free plans usually cap usage, so check the current limits before you commit.
Why switch from Cleo?
The most common reasons people look for a Cleo alternative: premium features paid; us/uk only. If none of those affect you, Cleo (rated 4.5 out of 5) remains a strong choice.
How do I choose between Cleo and its alternatives?
Start with the job you need done, then compare the pricing model (free tier, per-seat or usage-based), the integrations you rely on and the rating. Most tools in this list have a free tier or trial, so test your real workflow in two of them before paying for either.