AI Tool

Kleev Review

Kleev is an AI-powered personal finance platform that transforms bank CSV files into insights on spending, property investments, budgets, and financial goals without requiring bank logins.

shipped Aug 25, 2026researchfreemium

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Why it matters

1Kleev processes bank CSV files to provide financial insights, eliminating the need for direct bank connections.

2The platform offers detailed property investment modeling, including yield, cashflow, equity, and EOFY deduction reporting.

3Kleev provides automated transaction categorization into approximately 42 categories and generates monthly CFO reports.

4Pricing includes a Free Plan, a Pro Plan at A$99/yr, and a Founding member launch offer at A$67.69.

About Kleev

Business Model

Freemium SaaS

Headquarters

Northcote, Australia

Platforms

Web

Target Audience

Individuals looking to manage their finances effectively

Pricing Plans

Founding member launch offer

A$67.69 / one-time

• Lifetime access to the platform
• Max features available
• Limited spots

Pro Plan

A$99/yr

• Full feature access
• Detailed financial reports
• AI-driven insights

Free Plan

Free

• Basic features
• Limited reports
• Single account support

Specs

API Docs

View Documentation →

API Available

Yes, public API

overview

What is Kleev?

Kleev is a personal finance AI tool developed by Kleev that enables ambitious Australians, young professionals, and property investors to manage spending, property investments, budgets, and financial goals. It transforms bank-exported CSV files into a clear and legible picture of financial health, providing insights and alerts without requiring a bank login. The platform emphasizes privacy by processing raw upload files in the user's browser, sending only encrypted data to the cloud for AI processing. Kleev functions as an 'AI CFO,' offering automated transaction categorization, spending insights, property investment modeling, and net worth tracking.

features

Key Features of Kleev

Kleev offers a suite of features designed for comprehensive personal financial management, particularly for users in Australia with complex financial needs, including property investments.

CSV file upload for bank statements, supporting various bank layouts.
Automated categorization of expenses into approximately 42 categories, with merchant alias identification.
Comprehensive financial insights, including spending patterns, recurring subscriptions, and financial health trends.
Budget tracking tools and progress monitoring against savings goals.
AI-driven reports, including monthly CFO reports and EOFY tax packs with Excel export.
Modeling and tracking investment properties, covering yield, cashflow, equity, offset projections, and depreciation.
Generating EOFY-ready deduction reporting for investment properties.
Modeling financial scenarios and projections, such as the impact of interest rate changes or deposit goals.
Net worth tracking across accounts and assets over time.
Natural-language query capability for financial data analysis.

use cases

Who Should Use Kleev?

Kleev is designed for individuals seeking detailed financial analysis and management, particularly those who prioritize data privacy and require advanced tools beyond basic budgeting applications. Its capabilities cater to specific financial profiles and objectives.

Ambitious Australians and young professionals seeking AI-powered categorization and insights into their spending habits.
High earners and property investors who need to model and track investment properties, including loans, offsets, cashflow, and valuations.
Individuals who prioritize privacy and detailed financial analysis without linking bank accounts, utilizing CSV imports.
Users requiring assistance with financial management and tax preparation, including generating monthly CFO reports and EOFY tax packs.
Those looking to set and track budgets and financial goals, and model various financial scenarios and projections.

how to use

How to Use Kleev

To begin using Kleev, users upload their bank-exported CSV files, which the platform then processes to generate financial insights and reports. The process is designed to be straightforward, focusing on data privacy.

1Export bank statements as CSV files from your financial institution.
2Upload the CSV files directly to the Kleev platform via the web interface.
3Allow Kleev's AI to automatically categorize transactions and identify spending patterns.
4Review generated spending insights, budget drafts, and property investment models.
5Utilize natural-language queries to ask specific questions about your financial data.
6Access monthly CFO reports and EOFY tax packs for financial management and tax preparation.

pricing

Kleev Pricing & Plans

Kleev operates on a freemium business model, offering a free tier alongside paid plans that provide enhanced features and reporting capabilities. The pricing structure includes a special launch offer for founding members.

Free Plan: Provides core functionalities for basic financial management.
Founding member launch offer: A$67.69 (one-time payment for early adopters).
Pro Plan: A$99/yr (annual subscription), includes advanced features like EOFY tax packs and monthly CFO reports.

Pros

+Enhances financial privacy by not requiring bank logins, operating solely on CSV file uploads.
+Provides comprehensive property investment modeling, including yield, cashflow, equity, and EOFY deduction reporting.
+Offers AI-powered automated transaction categorization into approximately 42 categories.
+Generates detailed monthly CFO reports and EOFY tax packs for financial management and tax preparation.
+Allows for natural-language queries about financial data, providing interactive insights.
+Includes a Free Plan, making core financial management tools accessible.

Cons

−Requires manual export and upload of bank CSV files, which may be less convenient than direct bank integrations.
−API is not available, limiting integration with other financial tools or services.
−The platform is primarily targeted at ambitious Australians, potentially limiting its direct applicability or specific features for users in other regions.
−User reviews are limited, with only 3 reviews on Trustpilot as of July 30, 2026, making broader reception assessment challenging.
−Does not offer direct integrations with other financial platforms or services.

Policies

Pricing Page

View Pricing→

Similar Tools

Kleev vs Competitors

Kleev differentiates itself within the personal finance management market by focusing on privacy-centric CSV imports and specialized property investment modeling, contrasting with competitors that often rely on direct bank integrations or offer different feature sets.

Koody↗

It is manual-first and built for people who want a personal finance app without bank account linking, offering CSV import with auto-categorization and recurring item flagging.

Koody offers a similar focus on privacy and CSV import as Kleev, but emphasizes a manual-first approach with optional CSV import for speed, whereas Kleev highlights AI transformation of CSVs.

Firefly III↗

It is a self-hosted, open-source personal finance manager with a double-entry bookkeeping system, advanced rule engine for cleaning CSV data, and comprehensive budgeting and reporting.

Firefly III provides full control over your data through self-hosting and offers a robust rule engine for CSV import, which is more powerful for complex data cleanup than Kleev's AI-driven transformation, but requires more technical setup.

Actual Budget↗

It is an open-source budgeting tool that supports importing transactions from various financial files including CSV, with a focus on a robust undo system and detailed reporting.

Actual Budget is open-source and can be self-hosted, offering more data control and customization than Kleev, but its 'AI' features for categorization might be less prominent or require more manual setup compared to Kleev's implied AI-driven insights.

FreeBudget↗

It offers completely free CSV imports from any bank, with automatic transaction categorization based on descriptions and duplicate detection.

FreeBudget is entirely free for CSV imports and provides automatic categorization and duplicate detection, similar to Kleev's core function, but may offer less advanced financial goal tracking or investment analysis compared to Kleev's broader feature set.

See every Kleev alternative, compared→

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Visit Kleev↗

Connect

LinkedInwww.linkedin.com/company/kleevai/