ReSubs
Cleo
ReSubs vs Cleo: Subscription Tracker or AI Money Assistant?
Cleo is an AI finance chatbot. ReSubs is a dedicated subscription tracker. Compare privacy, pricing, and tracking features side by side.
ReSubs is a dedicated subscription tracker for iOS and Android with AI extraction, Gmail import, trial reminders, multi-currency support, and 30+ cancel guides — no bank access required. Cleo (free basic, US$5.99/month Plus, US$14.99/month Builder) is an AI financial chatbot that detects subscriptions from bank transactions as a side feature alongside budgeting, spending analysis, and cash advances up to $250. ReSubs goes deeper on subscription management without bank access; Cleo is a broader financial assistant that requires bank linking for all features.
Quick Summary
ReSubs is a privacy-first subscription tracker. You add subscriptions manually, import via CSV, or let AI extract them from documents and Gmail. No bank connection required. Free tier available; Premium unlocks unlimited subscriptions and additional features, including spending insights.
Cleo is an AI-powered financial assistant you interact with through a chatbot interface. It connects to your bank accounts to analyze spending, create budgets, and offer cash advances. Subscription detection is one feature among many. The basic tier is free; Cleo Plus is US$5.99/month and Cleo Builder is US$14.99/month.
Ready to take control of your subscriptions?
ReSubs tracks every subscription, reminds you before renewals, and includes 40+ cancel guides.
Feature Comparison
ReSubs vs Cleo: Feature Comparison
| Feature | ReSubs | Cleo |
|---|---|---|
| Dedicated Sub Tracking | ||
| Manual Entry | ||
| CSV Import/Export | ||
| Gmail Import | ||
| AI Extraction | ||
| Trial Reminders | ||
| Lifecycle Tracking | ||
| Multi-Currency | ||
| Bank Auto-Detection | ||
| AI Chatbot Budgeting | ||
| Cash Advances | ||
| Offline-First / No Bank |
Source: Feature comparison based on App Store listings and official websites, March 2026
Key Differences
- Fundamentally different products: Cleo is an AI financial assistant with a chatbot personality, "roast mode," and cash advances up to $250. Subscription detection is a side feature — there is no lifecycle tracking, trial reminders, or cancel guides.
- Bank requirement: Cleo requires a bank connection with no manual-only mode. ReSubs works entirely offline with no bank access, giving you full control over your data.
- Cash advance advantage: Cleo's salary advance and cash advance features are genuinely useful for bridging paycheck gaps — something no subscription tracker offers.
Price
Cleo’s official US plans, checked October 5, 2026, list Plus, Pro, and Builder. Its billing help notes that account offers can vary.
Cleo Free gives basic AI chat and spending insights. Cleo Plus is US$5.99/month; Cleo Pro is US$8.99/month and Builder is US$14.99/month. Cash advances are subject to eligibility and can involve express fees; they are not exclusive to Builder. ReSubs offers a free tier; Premium unlocks unlimited subscriptions and additional features, including spending insights. ReSubs is the better value if subscription tracking is your primary goal.
Verdict
Choose Cleo if you want an AI financial assistant that covers budgeting, spending analysis, and cash advances, and you are comfortable linking your bank accounts. Subscription detection comes included, but it is not the focus.
Choose ReSubs if you want a dedicated subscription tracker with deep management features, trial reminders, multi-currency support, and no bank connection required. It does one thing and does it thoroughly.
Track all your subscriptions in one place
Free on iOS and Android. No bank connection required.