Home / Comparisons / Cleo vs Albert
Cleo vs Albert (2026)
Price, free plan, features and SEC status side by side, from each company's own pages and the SEC database (verified 2026-11-04).
Verified 2026-11-04. Each app’s last-verified date appears in the table below.
Cleo
- Plus: $5.99/mo
- Pro: $8.99/mo
- Builder: $14.99/mo
Free plan: unverified · Trial: Not stated
Best for: Getting spending, debt and credit under control
Our take: Motivating and fun for budgeting and credit. It's a coach, not an investment adviser. Be careful with the cash-advance features.
Try CleoAlbert
- Subscription plans: $19.99/mo to $39.99/mo
Free plan: no · Trial: 30 days before you're charged
Best for: Banking, budgeting and investing in one subscription
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.
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Feature by feature
| Cleo | Albert | |
|---|---|---|
| Starts at | $5.99/mo | $19.99/mo |
| Free plan | unverified | no |
| Free trial | Not stated | 30 days before you're charged |
| Budgeting | yes | yes |
| Planning | yes | not listed |
| Portfolio analysis | not listed | not listed |
| Manages money | not listed | yes |
| SEC-registered adviser | Not found in IAPD | Yes, CRD 298006 |
| AI feature | "Advanced AI that remembers your goals" / AI coaching (Pro and Builder) | Genius: money guidance and document breakdowns. Albert says Genius is not a financial advisor |
| Last verified | 2026-11-04 | 2026-11-02 |
Which should you pick?
- Cleo is best for: Getting spending, debt and credit under control.
- Albert is best for: Banking, budgeting and investing in one subscription.
These picks are our editorial opinion. The facts above link to their sources on each app's page.
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