Wealth Guardian vs Cleo
Familiar AI guidance, with stronger guardrails and a path for institutions.
Both products bring conversation, voice, memory, and proactive guidance to personal finance. Wealth Guardian adds customizable financial boundaries and a fully branded institution offering.
| Feature | WGWealth Guardian | Cleo |
|---|---|---|
| AI advisor chat grounded in your finances | ||
| Ask by voice and hear answers aloud | ||
| Remembers goals across conversations | ||
| Exact affordability and goal calculations | Some | |
| Proactive alerts and daily guidance | ||
| Custom “do not touch” boundaries | ||
| Vacation, car, home, and emergency goals | Some | |
| Institution-branded version | ||
| Free tier | $0 | $0 |
| Paid consumer tier | $7.99/mo$69.99/yr | From $8.99/mo* |
Wealth Guardian pricing is planned launch pricing. Cleo details are based on publicly available information reviewed September 2026; plans, prices, and availability can change. *Paid Cleo pricing varies by plan and market.
For institutions
Cleo is a consumer app. Wealth Guardian can become your customer experience.
Explore licensing, branding, and deployment options for banks, credit unions, and financial platforms.