Home / Comparisons / Cleo vs Rocket Money
Cleo vs Rocket Money (2026)
Price, free plan, features and SEC status side by side, from each company's own pages and the SEC database (verified 2026-10-26).
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 CleoRocket Money
- Free: $0
- Premium: Choose your price, typically $7–$14/mo
- Premium+: $15/mo + tax (includes Rowan AI, bill negotiation)
Free plan: yes · Trial: 7-day Premium trial
Best for: Cutting subscriptions and bills
Our take: Best at finding forgotten subscriptions, and the free tier is genuinely useful. Bill-negotiation fees are steep unless you're on Premium+.
Try Rocket MoneyWe may earn a commission if you sign up through our links. It never changes our data or picks. Disclosure
Feature by feature
| Cleo | Rocket Money | |
|---|---|---|
| Starts at | $5.99/mo | Free plan |
| Free plan | unverified | yes |
| Free trial | Not stated | 7-day Premium trial |
| Budgeting | yes | yes |
| Planning | yes | yes |
| Portfolio analysis | not listed | not listed |
| Manages money | not listed | not listed |
| SEC-registered adviser | Not found in IAPD | Not found in IAPD |
| AI feature | "Advanced AI that remembers your goals" / AI coaching (Pro and Builder) | Rowan, an AI financial assistant by text (Premium+) |
| Last verified | 2026-10-26 | 2026-10-26 |
Which should you pick?
- Cleo is best for: Getting spending, debt and credit under control.
- Rocket Money is best for: Cutting subscriptions and bills.
These picks are our editorial opinion. The facts above link to their sources on each app's page.
Take the 60-second quiz, or compare all 18 apps.