Describing a fetus simply as a 'cluster of cells' is an oversimplification that does not accurately reflect the biological complexity and developmental stage of a fetus.
A fetus is a cluster of cells

How Your Fetus Grows During Pregnancy - ACOG
Source: acog.org
Key Evidence
According to ACOG, from 9 weeks after fertilization until birth, the developing human is called a fetus, indicating a defined developmental stage beyond just cells.
acog.orgacog.orgHow Your Fetus Grows During Pregnancy
Scientific literature describes early embryos as clusters or masses of cells, but the fetal stage involves organized tissues and organs.
pmc.ncbi.nlm.nih.govpmc.ncbi.nlm.nih.govTHE FACTS AND DOUBTS ABOUT BEGINNING OF THE HUMAN LIFE AND PERSONALITY
The phrase 'cluster of cells' is often used rhetorically rather than scientifically to describe early embryonic stages or to frame abortion debates.
quora.comquora.comWhy do some people call a fetus 'just a clump of cells'?
nrlc.orgnrlc.orgHow to respond to the pro-abortion ‘It’s just a clump of cells’ argument
What the Evidence Shows
A fetus is a distinct developmental stage of a human organism that begins approximately nine weeks after fertilization and continues until birth. At this stage, the entity is far more complex than a mere cluster of cells; it has differentiated tissues, organs, and systems forming and functioning. Early in development, the conceptus may be described as a cluster or mass of cells (e.g., during the embryonic stage), but once it reaches the fetal stage, it is recognized as a developing human with organized structures.
The phrase 'cluster of cells' is often used in political or ethical debates to minimize the fetus's biological status, but scientifically, it is inaccurate to reduce a fetus to just a collection of undifferentiated cells. The fetus has distinct genetic identity and developmental progression beyond a simple cell cluster.
Therefore, while technically all living organisms start from cells, calling a fetus merely a cluster of cells ignores its advanced developmental complexity.