Cleo AI vs Pigment
Which Finance AI tool is better in 2026?
Cleo AI
Sassy AI chatbot that nags, roasts, and coaches you into better money habits.
Pigment
The agentic AI business planning platform
Side-by-side
Pigment is the more established option (raised $396.9M); pricing is comparable on both sides.
| Metric | Cleo AI | Pigment |
|---|---|---|
| Taglinei | Sassy AI chatbot that nags, roasts, and coaches you into better money habits. | The agentic AI business planning platform |
| Foundedi | 2016🏆 | 2019 |
| HQi | London, GB | Paris, France |
| Employeesi | 150-200 | 400🏆 |
| Neuron scorei | 45 | 77🏆 |
| Total fundingi | $168M | $396.9M🏆 |
| Latest roundi | Series C · Jun 2022 | series_d · Apr 2024 |
| Valuationi | $500M | $1B🏆 |
| Cheapest paid plani | Pricing not disclosed | Pricing not disclosed |
| Free plani | ✓ | ✗ |
| Free triali | ✗ | ✗ |
| Top tier pricei | Pricing not disclosed | Pricing not disclosed |
| Pricing summaryi | Free | Contact_sales |
| Categoriesi |
Capability matrix
Developer-facing capabilities and access signals for Cleo AI and Pigment.
| Capability | Cleo AI | Pigment |
|---|---|---|
| MCP support | ✗ | ✓ |
| Public API | ✗ | ✓ |
| Webhooks | ✗ | ✗ |
| OAuth 2.0 | ✗ | ✗ |
| SDK languages | — | — |
| Free plan | ✓ | ✗ |
| Free trial | ✗ | ✗ |
| Verified | ✗ | ✗ |
| Active deal | ✗ | ✗ |
🟢 Strengths of Cleo AI
- Offers a free plan
- More mature (2016)
🔵 Strengths of Pigment
- Has raised more capital ($396.9M vs $168M)
- Higher Neuron score (77 vs 45)
- Newer company (2019)
Which should you choose?
Choose Pigment if price matters most — it starts at Contact_sales, which is friendlier for teams watching burn. Both AI Finance tools ship core features, so the cost delta often decides it for small teams and solo operators.
Choose Pigment if you want the most established option — it has raised $396.9M, suggesting more runway for enterprise features, support, and long-term roadmap. For mission-critical workflows or larger teams, that stability often outweighs a lower monthly price.
Frequently asked questions
Cleo AI vs Pigment — which is better?
It depends on your priority. Cleo AI is the leaner option; Pigment has broader feature depth. See the side-by-side table above.
Is Cleo AI cheaper than Pigment?
No — Pigment's cheapest paid plan is Contact_sales, while Cleo AI's is Free.
Do Cleo AI and Pigment offer free plans?
Cleo AI: Yes, has a free plan. Pigment: Paid only.
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