The scores
Cleo reviews well where it is listed. Apple App Store (US) has it at 4.7 out of 5 from 246,000 ratings.
Review scores by platform
Apple App Store (US)
4.7/ 54.7 out of 5
Based on 246,000 ratings.
Retrieved 21 July 2026.
Read Cleo reviews on Apple App Store (US)(opens Apple App Store (US) in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- The rating volume is enormous for a personal finance app, which says the chat format keeps people engaged
- Getting a small advance quickly is the feature most reviewers are rating
- The tone of the assistant is the thing people mention by name
What reviewers complain about
- The tiering is confusing, with Plus, Pro and Builder overlapping and two of the three quoted as price ranges
- Express fees are charged separately from the subscription
- The rating is from the US listing, because the app is not offered to new UK users
What reviewers keep asking for
- Nothing that models a UK pension, ISA allowance or UK tax
- No projection beyond the current month
- No answer on whether you are on track to retire, only on whether you can get to payday
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs Cleo.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what Cleo is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on Cleo
Cleo: common questions
Yes. Cleo is an established product in the ai category, with 246,000 ratings on Apple App Store (US).
The tiering is confusing, with Plus, Pro and Builder overlapping and two of the three quoted as price ranges. Express fees are charged separately from the subscription. The rating is from the US listing, because the app is not offered to new UK users.
No. Reviewers raise this directly: nothing that models a uk pension, isa allowance or uk tax. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Apple App Store (US) shows 246,000 ratings, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.