The five year number
Five years of Cleo comes to $224.95 on Plus paid annually. Figures assume the Plus tier at the top of its published range with no price increases. Cleo lists Plus at a range rather than a single price, so what you are actually offered may be lower. Verified 21 July 2026.
Year by year
| Time held | Cleo | Delphina |
|---|---|---|
| After 1 year | Cleo$44.99 on Plus paid annually, or $71.88 on Plus paid monthly at $5.99 | Delphina£119.88 |
| After 3 years | Cleo$134.97 on Plus paid annually | Delphina£359.64 |
| After 5 years | Cleo$224.95 on Plus paid annually | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume the Plus tier at the top of its published range with no price increases. Cleo lists Plus at a range rather than a single price, so what you are actually offered may be lower.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: Express fees of $3.99 to $14.99 each time you want a cash advance the same day
- Hidden cost: Pro and Builder have no annual option, so those tiers are always billed at the monthly rate
- Hidden cost: FX fees would apply to any US-dollar charge landing on a UK card
Figures based on Cleo’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us users who want a conversational nudge about spending and occasional access to a small advance, that is a fair price. The chat interface genuinely gets people to open a money app, which most budgeting tools fail at. Very strong app store ratings, at 4.7 from around 246,000 US ratings.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Cleo pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Cleo is better than us at making a money app feel like a conversation, and its advance feature solves a real short-term problem. It is a US product with no UK presence, and it stops at this month, so it cannot tell a UK saver whether their pension and ISA are on track.
More on Cleo
Cleo: common questions
It is worth it for us users who want a conversational nudge about spending and occasional access to a small advance. It is a poor buy for anyone who needs cleo withdrew from the uk, and money to the masses reported the app was pulled from the uk app store and google play, because that is not what it is built to do.
3 things are not on the pricing page: express fees of $3.99 to $14.99 each time you want a cash advance the same day; pro and builder have no annual option, so those tiers are always billed at the monthly rate; fx fees would apply to any us-dollar charge landing on a uk card.
Cleo prices in US dollars. It is not currently offered to new UK users, and any US-dollar charge on a UK card would carry an FX fee. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
$44.99 a year on Plus instead of $71.88 paid monthly, roughly 37%, via annual billing. Plus only. Cleo's help centre states Pro is monthly only and that the Builder annual plan has been discontinued..
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.