Cleo Autopilot
A money app's plan-and-act mode, meant to move your money towards a goal within rules you approve.
By Cleo · launched 2026-02-05 · last checked 2026-11-02
Why 2: it sets a plan and gives daily guidance, acting only with your consent on a plan you approved; at launch its Actions only recommended moves, so it is not yet a 3.
What it does. Cleo is a budgeting and cash-advance app with a chatty AI persona. Autopilot, announced on 5 February 2026 for US users via a waitlist, analyses your finances, sets a plan towards a goal and gives daily guidance, acting 'always with your consent on a plan you've already approved'. At launch Cleo said the Actions component recommended moves, and carrying them out for you was a planned capability.
Where it falls short. By its maker's own launch description the autonomous part was still to come, and we could not verify how widely Autopilot is now available or what it does unprompted.
What it can do
Incidents
- 2025-03-27 Cleo agreed to pay $17 million to settle FTC charges that it overstated how much users could borrow through its cash advances and how quickly, and made subscriptions hard to cancel; the case concerned the cash-advance service, not Autopilot. Source
Closest fiction
Her — A personality in your phone that wants you to do better.
Related money & bills agents
- Nous Nous · autonomy 4/5
- Rocket Money (Rowan and bill negotiation) Rocket Money · autonomy 3/5
- DoNotPay DoNotPay · autonomy 2/5
History
- 2026-11-01 Added to the index.
- 2026-11-02 Re-checked, no change found: no newer reporting on rollout; maker page could not be opened (403). Still waitlist.
Sources
- Cleo Launches Autopilot: Automating Your Money Moves PR Newswire, 2026-02-05
- Cash Advance Company Cleo AI Agrees to Pay $17 Million As Result of FTC Lawsuit Charging It Deceives Consumers Federal Trade Commission, 2025-03-27
← All agents in the index · Autonomy is rated on what the product does today, on a 1–5 scale. Every fact links to a source.