The short answer
There is no public Cleo discount code. The one real saving is listed below.
Checked on 21 July 2026.
Ways to actually pay less
- annual route
- Saves $44.99 a year on Plus instead of $71.88 paid monthly, roughly 37%. Plus only. Cleo's help centre states Pro is monthly only and that the Builder annual plan has been discontinued. Check the terms.
Codes that do not work
Coupon aggregators list Cleocodes that are either long expired or were never real. A common pattern is a referral link presented as a discount, and another is an "up to 70 per cent off" claim that resolves to the annual price everyone already pays. If a code is genuine, it is normally on the company's own site, which is where we checked.
The cheapest legitimate price
$1.99 to $5.99 per month, as of 21 July 2026. Full tier breakdown.
What Delphina costs, for comparison
Delphina's Free plan is £0 with no card and no expiry, and Wealth Builder is £9.99 a month. We do not run discount codes either, so that is the real price.
Different tool, and worth comparing on what it does rather than on price alone. See Delphina's pricing
More on Cleo
Cleo: common questions
No. We checked on 21 July 2026 and there is no public discount code for Cleo. Coupon aggregators listing one are recycling expired or invented codes.
Yes. Paying annually saves $44.99 a year on Plus instead of $71.88 paid monthly, roughly 37%. Plus only. Cleo's help centre states Pro is monthly only and that the Builder annual plan has been discontinued..
Delphina's free tier is £0 with no card and no expiry, and Wealth Builder is £9.99 a month billed in pounds. The trade-off is that it is a UK pension, ISA and tax planning tool rather than the job Cleo does for us users who want a conversational nudge about spending and occasional access to a small advance, so compare it on what it does, not on price alone.