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See what you earn, what you owe, and get ready for what’s next. That means you can see exactly where you sit right now, what skills you need to work on to get to the next step, and track your progress along the way. The next generation would talk to their money, not tab through it.

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Cleo 3.0 makes conversations about money smarter and more personal We spent a lot of time helping cleo's ai use machine learning to figure out your intent and match you with the right chat flow, usually written by a real life comedy writer. To calculate whether you could get up to $250, cleo’s algorithm securely analyzes information from your bank account and determines your eligibility based on a combination of factors like your income, spending, and borrowing patterns. With the builder subscription, you get access to a shiny new cleo card