Cleo vs Plum
Cleo vs Plum: AI Chat Budgeting or Automatic Saving?
Cleo and Plum are both pitched as smart money apps, yet they do almost opposite things in different markets. Cleo is a US-only AI chatbot that tracks your spending, chats back and offers cash advances. Plum is a UK and EU auto-saver that moves money aside with rules and round-ups, then lets you invest it. One helps you see and manage spending; the other helps you save without thinking about it.
Cleo vs Plum: feature comparison
Feature comparison of Cleo, Plum and Auritrack
| Feature | Cleo | Plum | Auritrack |
|---|---|---|---|
| AI chat expense tracking | YesChatbot is the whole interface | No | Yes |
| AI bookkeeping & categorization | Yes | NoMarkets "AI" for saving, not bookkeeping | Yes |
| Automatic bank sync | YesPlaid connection, US banks | YesOpen Banking to power auto-saving | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | No | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | YesBasic budgets and spend alerts | Spending insights, not full budgets | Yes |
| Savings goals | YesAuto-saving pots | YesSavings pockets and goals | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUSD only | GBP and EUR markets | YesLive exchange rates |
| Data export (PDF/CSV) | No | Partial | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | No | YesStocks and funds on paid tiers | No |
| Shared / household accounts | No | No | Yes |
| Sells your data to advertisers | No | No | No |
| Price | Free + Plus $5.99/mo | Free tier + Plus £3.99/mo | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Cleo wins
- A genuine AI chatbot that tracks and categorizes spending
- Cash advances up to $250
- Credit-building tools and a card
- Live bank sync to US accounts via Plaid
Where Plum wins
- Automated rule-based saving and round-ups
- Interest-paying easy-access pockets
- In-app investing in stocks and funds
- A free basic tier for hands-off saving in the UK and EU
A third option: Auritrack
Cleo is US-only and Plum is UK and EU only, so region narrows the choice fast; Auritrack works in any currency worldwide. It shares Cleo’s AI-chat tracking — log a purchase by chatting or uploading a statement and the AI categorizes it — but focuses on bookkeeping and budgeting rather than cash advances, and it does not auto-save or invest like Plum. It has no live bank sync yet, on a free tier with AI plans from $3/month.
The verdict
Choose Cleo if you are in the US and want an AI chatbot to track spending and tap small cash advances. Choose Plum if you are in the UK or EU and want saving and investing on autopilot. If you want AI tracking that is not locked to one country, Auritrack is the more portable option, and it can sit alongside Plum for the budgeting side.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Cleo guide or the Plum guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.