Built for one thing — getting out of debt. Calm and judgment-free · Ohio & Florida first
Cleo turned budgeting into a sassy group chat — and plenty of people love that. But when you're ready to actually get out of debt, you want a specialist, not a debt feature buried in a money app. PILVI is the calm AI debt coach: real numbers from your real accounts, never guessed. No judgment. No agenda.
First month free, then $12.99/mo flat · No credit card · Cancel anytime · Ohio & Florida first, waitlist elsewhere.
You're on the list — we'll email you the day PILVI goes live.
Your highest-rate balance is the $9,300 on your credit card at 24.99% APR. Clearing that before the $8,400 auto loan saves you the most in interest. Want me to walk you through the month-by-month?
Same data. Two completely different experiences.
Cleo is a broad money app — cash advances, a credit-builder card, savings, a weekly quiz game — with Debt Reset as one paid feature inside it. PILVI does one thing.
The whole app is debt-to-freedom. Nothing else competes for your attention — no advances, no card, no games.
Cleo's humor is a feature many people love. If debt feels heavy, PILVI is the judgment-free alternative — every time.
Debt Reset hands you a paydown plan. PILVI talks you through it — an ongoing conversation that answers follow-ups and adapts.
Every PILVI figure is code-computed from your real connected accounts and shown with its source. Never guessed.
Most apps show you what you spent. PILVI shows you the way out — with the math behind every answer.
Getting you out of debt and to financial freedom. That focus is the whole point.
Real, adaptive conversation that remembers and responds — not a static plan you follow alone.
Code-computed from your real accounts and shown with the source. No black box, no guessing.
PILVI connects via Plaid in read-only mode. It can see your money — it can't move it.
Cleo is a capable money app. For getting out of debt specifically, here's how the two compare.
| For getting out of debt | PILVI | Cleo |
|---|---|---|
| Focus | Dedicated debt coach | Broad money app; debt is one feature |
| Tone | Calm, judgment-free | Sassy, roast-style |
| Debt help | Included in one flat plan | Debt Reset requires a paid subscription |
| Coaching | Ongoing conversation | Paydown plan generator |
| Numbers | Code-computed, verifiable | Plan + projected payoff date |
| Read-only via Plaid | Yes | Yes |
Comparison reflects publicly available information about Cleo as of 2026. Cleo's tone and features are its own and may change. PILVI is not affiliated with, endorsed by, or connected to Cleo.
PILVI is a dedicated AI debt coach for people who want a tool focused only on getting out of debt. Cleo is a broad money app — cash advances, a credit-builder card, savings and games — with debt help as one paid feature. PILVI does one thing: coach you to debt-free, conversationally and calmly, with numbers you can verify from your real connected accounts.
Cleo offers Debt Reset, a debt-payoff planner inside a larger money app, and is known for a humorous, roast-style chat tone. PILVI is a dedicated debt specialist — the whole app is debt-to-freedom — with a calm, judgment-free conversational coach and deterministic, code-computed numbers drawn from your real accounts, never guessed.
No. Some people love Cleo's sassy, roast-style humor. PILVI is deliberately the calm alternative: judgment-free, supportive and private. It never shames you about where you are — it just shows you the math and the next step.
Cleo's Debt Reset requires a paid Cleo subscription. PILVI gives you the first month free, then a flat $12.99 per month, with no success fees, no percentage of savings, and no hidden charges. Cancel anytime.
No cash-advance upsells. No percentage of your savings. No fees to act. Just a dedicated debt coach.
No success fees · no percentage of savings · no hidden charges.
Getting to zero isn't the finish line — it's the starting line. Join the waitlist and get an email the day PILVI goes live, plus early access before public launch.
You're on the list — we'll email you the day PILVI goes live.