What Cleo costs
Cleo charges $1.99 to $5.99 per month, rising to $10.99 to $14.99 per month on the top tier. There is a free tier below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Plus | Price$1.99 to $5.99per month | Included
| Not included
|
| Pro | Price$8.99per month | Included
| Not included
|
| Builder | Price$10.99 to $14.99per month | Included
| Not included
|
- Free tier: yes. Cleo's help centre describes Plus, Pro and Builder as subscriptions layered on the app, and separately states you can request a cash advance without subscribing, so an unpaid level exists. Cleo does not publish a feature list for it, so treat the free level as undefined rather than generous.
- Annual billing: Plus is $44.99 a year against $71.88 if you pay monthly at the top of the range
- Billing currency: 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.
Prices taken from Cleo’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Plus at $1.99 to $5.99 per month is the tier that covers cleo's entry paid tier.
- Pro at $8.99 per month is the tier that covers everything in plus.
- Builder at $10.99 to $14.99 per month is the tier that covers everything in pro.
Cleo suits us users who want a conversational nudge about spending and occasional access to a small advance, so that is the lens to pick a tier through.
What the price does not cover
- 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.
- Cleo's help centre describes Plus, Pro and Builder as subscriptions layered on the app, and separately states you can request a cash advance without subscribing, so an unpaid level exists. Cleo does not publish a feature list for it, so treat the free level as undefined rather than generous.
- Pro and Builder features
- UK pension, ISA and tax modelling
- Builder credit card features
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Cleo.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Cleo costs $1.99 to $5.99 per month. Plus is $44.99 a year against $71.88 if you pay monthly at the top of the range. Prices were checked on 21 July 2026.
Yes. Cleo's help centre describes Plus, Pro and Builder as subscriptions layered on the app, and separately states you can request a cash advance without subscribing, so an unpaid level exists. Cleo does not publish a feature list for it, so treat the free level as undefined rather than generous. The paid tiers add the features listed above.
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. The size of that fee is set by your card issuer, not by Cleo, so check your card's terms.
The decision-relevant difference is that Pro adds everything in plus. Plus covers cleo's entry paid tier.
Yes, at $1.99 to $5.99 a month. Plus is $44.99 a year against $71.88 if you pay monthly at the top of the range, so monthly billing is the more expensive route.
There are cheaper tools in the ai category, though most trade away something Cleo does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Cleo does for us users who want a conversational nudge about spending and occasional access to a small advance.