Compare / Cleo AI vs Emma
Cleo AI vs Emma
Two records, side by side. Emma ships 0 things Cleo AI does not, Cleo AI ships 0 Emma does not, 9 attributes are the same, and 55 cannot be compared because one side is Unknown.
Cleo AI: $5.99/month or $134.99/yearEmma: $4.99/month or $41.99/yearCleo AI: 19 of 71 recordedEmma: 41 of 71 recorded
Where they differ
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No recorded attribute differs.
All 71 attributes
| Attribute |  Cleo AIchecked · 2026-09-10 |  Emmachecked · None |
|---|---|---|
| Cost | ||
| Free tier | Yes | Yes |
| Price | $5.99/month or $134.99/year | $4.99/month or $41.99/year (Free tier capped at 2 bank logins) |
| Lifetime purchase | ? | ? |
| Connections | ||
| Account aggregation | Yes | Yes |
| Connectors | Plaid | TrueLayer |
| Refresh more than daily | ? | Yes |
| Manual accounts | ? | Yes |
| Countries | US · GB | GB · US · CA |
| Multi-currency | ? | ? |
| Crypto and digital assets | ? | Yes |
| Transactions | ||
| Edit transactions | Yes | Yes |
| Create manual transactions | ? | Yes |
| Rules engine | ? | Yes |
| Mass edit | ? | Yes |
| Split transactions | ? | Yes |
| History import | ? | Yes |
| Length of history | Months | Months |
| Export | ? | Yes |
| Import formats | ? | CSV |
| Nested categories | ? | Yes |
| Custom categories | ? | Yes |
| Tags | ? | Yes |
| Receipt attachments | ? | ? |
| Planning | ||
| Budgeting | Yes | Yes |
| Envelope budgeting | ? | ? |
| Zero-based budgeting | ? | ? |
| Rollover budgeting | ? | Yes |
| Recurring transactions | Yes | Yes |
| Bills | ? | Yes |
| Bill negotiation | ? | ? |
| Goal tracking | Yes | Yes |
| Debt payoff planning | Yes | ? |
| Cash-flow forecasting | ? | ? |
| Scenario planning | ? | ? |
| Retirement planning | ? | ? |
| Subscription tracking | ? | Yes |
| Subscription cancellation | ? | Yes |
| Automated transfers | Yes | ? |
| Calendar view | ? | ? |
| Wealth | ||
| Net worth | ? | Yes |
| Balance history import | ? | ? |
| Investment tracking | ? | Yes |
| Investment transactions | ? | ? |
| Real estate | ? | Yes |
| Investment fee analysis | ? | ? |
| Insight | ||
| Reports | ? | Yes |
| Trends | ? | Yes |
| Credit scores | Yes | Yes |
| Alerts | ? | Yes |
| Assistance | ||
| AI chat | Yes | ? |
| AI categorization | Yes | ? |
| Sharing | ||
| Partner or household | ? | Yes |
| Adviser access | ? | ? |
| Business or rental separation | ? | Yes |
| Platforms | ||
| Interfaces | iOS · Android | Web · iOS · Android |
| Full mobile app | Yes | Yes |
| Home-screen widgets | ? | ? |
| Customizable dashboard | ? | Yes |
| Offline access | ? | ? |
| Trust | ||
| SOC 2 | ? | ? |
| 2FA / MFA | ? | ? |
| Sells or shares your data | Yes | ? |
| Read-only bank connections | Yes | Yes |
| Data held by | ? | ? |
| Self-hosting | ? | ? |
| Open source | ? | ? |
| Extending | ||
| Public API | ? | ? |
| Spreadsheet sync | ? | Yes |
| Webhooks | ? | ? |
| Tax export | ? | ? |
| Tax filing | ? | ? |