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impause vs Cleo, side by side

Two AI money apps with opposite business models: Cleo offers cash advances, impause finds the money you're wasting and gets it back.

Cleo and impause both put AI to work on your money every day, so they get compared. Cleo is an AI money chat with cash advances: roast mode and hype mode, spending insights and budget nudges, advances of up to $250 on Plus and Pro or $500 on Builder, and a credit-builder card on Builder. impause is an AI money agent, and it doesn't lend. Every morning impause reads your connected accounts (read-only, through Plaid), finds unused subscriptions and price increases, and prepares the cancellation. Nothing happens until you tap approve. Subscription cancellation is live. Cleo earns when you borrow. Rocket earns when you refinance. impause earns when your balance goes up.

FeatureCleoimpause
Core approachAI money chat with cash advancesAI money agent that acts first
How it worksYou ask, it answers (roast & hype modes)Reads your accounts every morning; you approve
Finds wasted moneySpending insights & budget nudgesUnused subscriptions & price increases
Cancels subscriptions for you✕Prepared for you; runs on your approval
Fee refunds & settlement claims✕Coming soon
Cash advanceUp to $250 (Plus, Pro) or $500 (Builder); $4.49–$14.99 express feeDoesn't lend
Credit-builder cardCleo Card on Builder (WebBank)✕
High-yield savings2.75% APY on Pro✕
Learns what you regret✕Purchase Pulse: worth it or regret
How it makes moneySubscriptions, express fees, the cardYour subscription only; data never sold
PricePlus $5.99, Pro $8.99, Builder $14.99/moFree trial, then $10/mo or $80/yr
PlatformsiOS, AndroidiOS now; Android on waitlist

Cleo pricing and features reflect Cleo's public pricing page as checked in October 2026; impause pricing is current as of 2026. Figures can change.

When Cleo is the better choice

If you need money before payday or a card that builds credit, Cleo is the better fit. Plus and Pro offer cash advances of up to $250, Builder raises that to $500 and adds the Cleo Card for building credit, and Pro includes high-yield savings. Cleo's chat, with roast mode and hype mode, is also the more entertaining of the two, and it runs on both iPhone and Android.

When impause is the better fit

If the problem is money leaking out rather than money arriving late, impause is the one. Every morning its agent reads your connected accounts (read-only), finds unused subscriptions and price increases, and prepares the cancellation. Nothing happens until you tap approve. Purchase Pulse lets you swipe each purchase worth it or regret, and there's no budget to set up. impause doesn't lend, and it earns only from your subscription.

impause starts with a free trial on iOS. Get the wasted money back, no borrowing involved.

Start your free trial

Frequently Asked Questions

In part. Both use AI to help with your money every day, but the business models are opposite. Cleo earns when you borrow. Rocket earns when you refinance. impause earns when your balance goes up. Cleo makes money from subscriptions, express fees on cash advances, and its card. impause is funded by subscriptions, and your data is never sold.

No. impause doesn't lend. It finds money you're already wasting, like unused subscriptions and price increases, and cancels it once you tap approve. Coming soon: bank fee refunds and class-action settlement claims.

Cleo shows spending insights and budget nudges, but it does not cancel subscriptions or file claims for you. impause cancels subscriptions today, with your approval on each one. Bank fee refunds and class-action settlement claims are coming soon.

Cleo Plus is $5.99 a month, Pro is $8.99 and Builder is $14.99, and a same-day cash advance adds an express fee of $4.49 to $14.99 each time. impause starts with a free trial, then costs $10 a month or $80 a year (about $6.67 a month). Every feature is on both plans. There is no free tier.

Yes. Both connect to your bank through Plaid with read-only access. Bank access is read-only, so impause can't move your money. Every action waits for your approval. The app locks with Face ID, your data is encrypted, and cancellations run on your device.

Compare impause with others

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