Home / Best Cleo Alternatives (2026): Prices & SEC Status
Other tracked apps with at least one capability marked yes in common with Cleo. Shutdown apps are excluded. Sorted by the recorded starting monthly price; asset-based fees are labeled.
Verified 2026-11-04. Individual verification dates and gaps appear below.
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AI investing agent (iPhone / iMessage)
Planning · Portfolio analysis
Our take: A clever text-first adviser at a low flat price. It's very new (SEC registration approved Feb 2026), so check current pricing before you pay.
Best for: iPhone users who want proactive portfolio alerts without an AUM fee
Verified 2026-11-02
AI 'personal CFO' (net worth + Q&A)
Budgeting · Planning · Portfolio analysis
Our take: A capable chat-with-your-money tool with a usable free plan. We found no SEC registration, so treat its answers as analysis, not advice.
Best for: Asking plain-English questions about your own numbers
Verified 2026-11-02
Free net-worth dashboard + managed wealth (robo/advisor)
Planning · Portfolio analysis · Manages money
Our take: The free dashboard is excellent. The managed service at 0.89% costs more than most flat-fee AI options here.
Best for: Free net-worth and fee tracking
Verified 2026-11-02
AI investing assistant
Planning · Portfolio analysis
Our take: Good value for investors who like digging into funds and scenarios. Doesn't do budgeting.
Best for: Self-directed investors who want research and what-if analysis
Verified 2026-11-04
AI wealth advisor
Budgeting · Planning · Portfolio analysis
Our take: A strong pick if you want AI tax and retirement advice without an AUM fee. The free tier is a useful portfolio X-ray, but the real advice is behind Advisory.
Best for: DIY investors with many accounts who want tax and retirement answers
Verified 2026-11-02
AI investing & planning advisor
Planning · Portfolio analysis
Our take: Serious analysis for serious portfolios, and unusually open about how it makes money. The upper tiers are priced for large, complex holdings.
Best for: Risk and allocation advice across brokerages
Verified 2026-11-02
Budgeting & subscription app with AI assistant
Budgeting · Planning
Our take: Best at finding forgotten subscriptions, and the free tier is genuinely useful. Negotiation of bills fees are steep unless you're on Premium+.
Best for: Cutting subscriptions and bills
Verified 2026-11-02
Budgeting & investment tracking app
Budgeting · Portfolio analysis
Our take: The best-looking budget app for Apple users. Budgeting only: its own FAQ says it's not a financial advisor.
Best for: Apple users who want a beautiful, low-effort budget
Verified 2026-11-02 · some fields unverified
AI financial advisor + money app
Budgeting · Planning · Portfolio analysis
Our take: The broadest all-in-one here: budgeting, investing and an AI advisor for one flat membership. Good value if you'll use three or more features. Overkill if you only want a budget.
Best for: One app for budgets, investments and occasional human planning
Verified 2026-10-26
Budgeting & net-worth app with AI assistant
Budgeting · Planning · Portfolio analysis
Our take: One of the best budgeting apps. It isn't an AI adviser. Think of it as excellent tracking.
Best for: Couples and households sharing a budget
Verified 2026-11-02
Banking, budgeting & investing app with 'Genius' money help
Budgeting · Manages money
Our take: A lot in one app, but $20–$40 a month is pricey next to focused tools. Do the math on what you'd actually use.
Best for: Banking, budgeting and investing in one subscription
Verified 2026-11-02 · some fields unverified
AI financial assistant + optional CPA/planner team
Planning
Our take: AI software plus a real CPA and planner team at a flat fee. Pricey, but it bundles tax filing, which most rivals don't.
Best for: Equity-comp, landlord or multi-state tax situations
Verified 2026-11-02
Flat-fee advisor with proprietary AI ('Rai')
Budgeting · Planning · Portfolio analysis · Manages money
Our take: A real advisory firm with AI on top and flat fees instead of a percentage of assets. Expensive in dollars, but it can be cheap next to 1% AUM on a big portfolio.
Best for: High earners who'd otherwise pay a 1% advisor
Verified 2026-11-02