Your guilt-free fun money tracker.
Cleo is your AI spending advisor — built into every decision.
The guilt isn't about spending too much. It's about not knowing when you've gone too far. Treat draws that line — so every spend on yourself feels earned, not anxious.
How it works
Set your fun money
Choose what you're comfortable spending on wants. This is your guilt-free budget.
Ask Cleo before you buy
Add the item and amount. Cleo checks if it fits. She'll give you the verdict in seconds.
Get a clear verdict
GO AHEAD, CONSIDER, or NOT RIGHT NOW. Plus personalized insights about your spending.
See Cleo in action
Get instant verdicts on your spending
Smart Analysis
Cleo analyzes your balance, frequency, and spending patterns instantly
Context Matters
Get insights about your biggest spends and budget forecasts
Lightning Fast
Get your verdict before you even add to cart
Simple pricing
Monthly
Perfect for trying Treat
- ✓Unlimited spend analysis
- ✓AI-powered verdicts from Cleo
- ✓Budget tracking & insights
- ✓Transaction history
Annual
Best value. Commit to smarter spending.
- ✓Everything in Monthly
- ✓Cancel anytime
- ✓7-day free trial
- ✓Priority support
7-day free trial included. Cancel anytime.
Spend happy. Not blindly.
Treat gives your fun money a brain.
Subscriptions managed via Apple. Cancel anytime.