Forgotten
subscriptions.
That free trial? It’s been charging you since February.
− $12.99. Again.A little AI. A lot of attitude.
Money talks.
Cleo talks
back.
Meet the AI money assistant that budgets, roasts, and helps you save—founded by Barney Hussey-Yeo in London, 2016.
See the Pitch
One big idea.
A 4–5 minute pitch.
A 4–5 minute pitch.
c.
cleoYour money’s new bestie
TODAY, 9:41 AM
Can I afford these shoes?
The $120 ones? You’ve got $80 left in your fun budget.
The math isn’t mathing, bestie.
Okay, roast me
Your coffee budget has a better social life than you do.
A STUDENT PITCH. NOT ANOTHER BANK APP.Keep it scrolling
The pitch, in one sentence
Make money less stressful.
Make managing it more human.
01 The problem
Nobody teaches
you this.
Life comes at you fast.
So does the “payment declined” notification.
Forgotten
Very surprise.
Much bill.
The bill arrived. Your budget did not get the memo.
Due: yesterday.Low balance.
High anxiety.
Opening your bank app shouldn’t be a horror movie.
Balance: don’t ask.Budgeting tools already existed. The problem? They were boring enough to ignore.
02 Meet the solution
Talk to your
money like
a person.
Not another spreadsheet. A conversation.
Cleo turns what you spend into advice you’ll actually listen to.
Smart enough to help.
Honest enough to roast.
Honest enough to roast.
cleo. SCRIPTED DEMO
Can I afford these shoes?
You’ve got $80 to play with. Those shoes are $120. Let’s save $20 a week—future you can rock them in two.
roast me
Six coffee runs this week? At this point, your barista should be on your emergency contacts.
24/7, always available.
Money worries don’t clock out.
No bank-speak.
Human words. Imagine that.
Real, honest feedback.
A little tough love goes a long way.
Money on autopilot.
Opt in. Set goals. Stay in control.
03 The business bit
Free to chat.
Subscriptions unlock more.
The model is simple: start a conversation for free. Pay for more tools and deeper guidance.
GET TO KNOW YOUR MONEY
FreeSay hello.
- Money conversations
- Spending snapshots
- A roast when you need one
A LITTLE EXTRA BACKUP
PlusGet a handle on it.
- Credit score insights
- Debt tracking & reset
- Cash advances, if eligible
MORE TOOLS. MORE POSSIBILITIES.
ProSee the bigger picture.
- Everything in Plus
- Advanced AI coaching
- Interest-earning savings
A simplified look at the model, not a complete pricing guide. Features, eligibility, and plans can change; Cleo also offers a Builder tier.
04 Why this one’s different
It has the
information.
Not the power.
Your data informs the advice.
You’re still the one in charge.
Reacts. Doesn’t just report.
A bank app gives you numbers.
Cleo gives you a reality check.
Your transactions. Not guesswork.
Unlike a general chatbot without connected financial data, Cleo can work from your actual spending.
Read-only insights. Your control.
Plaid connects account data. Separate, opt-in savings and Autopilot features can move money with authorization.
05 A note from us
Why we
picked Cleo.
Money can take up way too much space in your head.
We picked Cleo because it makes a stressful part of life feel a little more manageable. It’s not just about spending less. It’s about giving people their time—and their headspace—back.
More room for family. For friends. For the things that actually matter.
Two students. One big idea.8th Grade Pitch Competition, 2026