Cleo vs Copilot Money
Side-by-side comparison to help you choose the right finance tools.
| Feature | C Cleo | C Copilot Money |
|---|---|---|
| Rating | 4.1 | 4.5 |
| Pricing | From $6/mo | From $15/mo |
| Free Plan | ✓ | ✗ |
| Free Trial | ✗ | ✓ |
| Founded | 2016 | 2019 |
| Bank and investment account aggregation | ✗ | ✓ |
| Bill alerts | ✗ | ✓ |
| Bill predictions | ✓ | ✗ |
| Budget tracking | ✓ | ✓ |
| Cash advances up to $250 | ✓ | ✗ |
| Investment tracking | ✗ | ✓ |
| Net worth dashboard | ✗ | ✓ |
| Roast mode for overspending | ✓ | ✗ |
| Savings challenges | ✓ | ✗ |
| Smart transaction categorisation | ✗ | ✓ |
| Spending analysis | ✓ | ✗ |
Cleo — Pros & Cons
Pros
- + Engaging and fun personality
- + Helpful cash advance feature
- + Good free tier
Cons
- - Cash advances require Cleo Plus
- - US and UK focused
- - Less comprehensive than Copilot Money
Copilot Money — Pros & Cons
Pros
- + Beautiful iPhone-native design
- + Excellent transaction categorisation
- + Comprehensive financial view
Cons
- - iPhone only — no Android
- - No free plan
- - Requires trusting app with banking credentials
Verdict
Copilot Money edges ahead with a rating of 4.5/5 versus Cleo's 4.1/5. Both tools are strong options for spending tracking and budget setting. Read our full Copilot Money review →
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