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Cleo Autopilot: AI Executes Your Financial Goals Automatically


Cleo Autopilot: AI Executes Your Financial Goals Automatically
  • by: Source Logo
  • |
  • February 6, 2026

Cleo, the world's first AI financial assistant, today launched Autopilot, technology designed to map out long-term financial goals and take meaningful, automated actions to help users achieve them.

Quick Intel

  • Autopilot goes beyond advice by automatically executing previously approved financial decisions within user-defined guardrails.
  • It learns spending patterns, predicts expenses, and makes real-time financial moves to minimize daily decision fatigue.
  • New Cleo research shows 53% of Americans would trust AI to advise on disposable income, with 52% open to automatic overdraft prevention and 48% to routine bill payments.
  • The multi-agent architecture combines purpose-built tooling and frontier AI models to handle discrete tasks and scale capabilities.
  • Autopilot includes four progressive components: Onramp (financial analysis), Roadmap (goal planning), Daily Plan (personalized guidance), and Actions (recommendations today, executions tomorrow).
  • Currently available to US users via waitlist, with features like merchant blocking now and future portfolio optimization planned.

Most financial apps provide guidance on what users should do. Autopilot shifts the paradigm by handling execution automatically, turning intentions into consistent progress while reducing stress from daily money decisions.

"The challenge with existing financial tools isn't intelligence, it's execution," said Barney Hussey-Yeo, Cleo's Founder and CEO. "People already know they should spend less and save more. What they need is a financial partner that lightens the load, turns good intentions into real progress, and makes money less of a daily stress."

Autopilot operates as a dedicated financial team across different money areas. Users set rules and approve plans, after which the system performs actions with ongoing consent. It spots emerging risks, adjusts to life changes, and recalibrates plans dynamically to maintain momentum.

The technology builds progressively:

  • Onramp establishes baseline financial context through analysis.
  • Roadmap generates a tailored plan aligned with major goals.
  • Daily Plan delivers personalized guidance to stay on track.
  • Actions evolve from recommendations to automated execution.

This approach addresses common barriers to financial discipline while capitalizing on growing trust in AI automation, as evidenced by Cleo's research into American attitudes toward AI-managed finances.

Autopilot is rolling out to US users through a waitlist. More details and a demonstration video are available at meetcleo.com/autopilot.

 

About Cleo

Cleo is the world's first AI financial assistant who transforms the complexity of money into simple, honest conversations. With a unique blend of predictive intelligence and human understanding, Cleo is building a future where smart financial decisions are within everyone's reach. Cleo speaks like a friend but with expert-level insights. She remembers spending patterns, predicts needs, and delivers radically personalized guidance through budgeting, saving, credit-building, and intelligent money coaching. Cleo normalizes money conversations and is available 24/7—because understanding your finances shouldn't require a finance degree.

  • AI FinanceFinancial WellnessFintech Innovation
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