Cleo vs Albert
Both apps promise AI-powered help with your money, but they take totally different approaches. Cleo has a personality (sometimes too much). Albert pairs AI with real humans. Here's how to choose.
Cleo
Sassy AI Money Assistant
Best for: Gen Z users who want a fun, no-judgment approach to money
Pros
- Actually entertaining to use
- Roast mode calls out your spending
- Cash advances up to $250
- Salary advance feature
Cons
- Personality can get annoying
- Cash advances have fees
- No expense splitting
- Limited serious budgeting tools
Albert
AI Financial Assistant
Best for: People who want human financial advice plus automation
Pros
- Real human financial experts
- Automatic savings (Genius feature)
- Cash advances available
- Investment options included
Cons
- "Pay what you want" is confusing
- Human advice costs extra
- No expense splitting
- App can be slow
Feature-by-Feature Comparison
| Feature | Cleo | Albert |
|---|---|---|
| AI Chat Assistant | ||
| Human Advisors | ||
| Cash Advances | ||
| Automatic Savings | ||
| Budget Tracking | ||
| Investment Options | ||
| Expense Splitting | ||
| Personality/Fun Factor | ||
| Transparent Pricing | ||
| Free Tier |
The Verdict
Cleo wins if you want entertainment with your budgeting and don't mind the sass. Albert wins if you want occasional access to real human advice and automatic savings. Both offer cash advances, which is handy in emergencies. But here's the gap: neither helps you split expenses. If you share rent, utilities, or group costs, you'll need another app anyway. Savida gives you AI insights PLUS expense splitting—something neither Cleo nor Albert offers.
Why Not Get the Best of Both?
Savida combines budget tracking, expense splitting, and AI coaching in one app. No more switching between apps or paying for multiple subscriptions.