Cleo

Cleo uses an AI chatbot to make budgeting feel like talking to a friend rather than wrestling with spreadsheets. You chat with the bot to set budgets, track spending, and get personalized insights about your financial habits. The free tier gives you full spending tracking and budget setup without paying for the premium AI features.

It's a solid choice if you prefer a conversational approach to budgeting and want the app to explain your spending patterns in plain English. Cleo stands out for making financial management less intimidating, particularly for people new to budgeting who find traditional budget apps overwhelming or boring.