Moving from Cleo AI to PocketGuard
Assembled from both records. Nothing here is an opinion — it is the difference between two rows, written out.
Your data — read this first
Whether Cleo AI can export your transactions is unrecorded. PocketGuard imports transaction history, so what you exported comes with you.
- Transactions
- Yes
- Balance history
- Yes
- Budgets
- Rebuilt by hand
- Rules
- Rebuilt by hand
- Attachments
- ?
Transactions, balance history and attachments are PocketGuard’s own import attributes. Budgets and rules never transfer between two apps in this index.
What you gain
- Nothing recorded
What you lose
- Free tier Yes → No
- Credit scores Yes → No
What is unchanged
- Account aggregation, Edit transactions, Budgeting, Recurring transactions, Goal tracking, Debt payoff planning, AI categorization, Read-only bank connections
54 attributes are Unknown on one side and left out. Gains and losses are a diff of the two records.
How to do it
- Export from Cleo AI first
Take the transaction export while your subscription is live. The record is unknown on export, so check before you cancel.
- Import before you connect anything
Import the file first. Connecting banks first creates duplicates that then have to be merged one by one.
- Connect accounts inside the trial
Find out which of your banks fail before you are billed. PocketGuard reaches banks through Plaid, Finicity, Salt Edge. Banks named most often in PocketGuard’s 500 most recent App Store reviews: Amex (25), Plaid (10), Apple Card (6), Capital One (5), Fidelity (4) — read what they say before you connect those first.
- Rebuild budgets and rules
No app in this index imports another’s budgets or rules. Budgets are quick; rules are worth rebuilding as transactions arrive rather than all at once.