AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Your Personal Cosmic Blueprint
Stage
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Founded
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Based in
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Pricing model
Freemium
Freemium
Pricing
Free plan with one linked institution; Premium includes unlimited linked institutions, bill negotiation, hands-off subscription cancellation, advanced investment insights, smart notifications, and priority support. A success-based fee applies for bill negotiation only if Cove saves money.
Free: $0/forever with blueprint foundation and all free calculation tools. Premium Monthly: $9.99/month with complete blueprint and daily, weekly and monthly insights. Premium Yearly: $69.99/year (equivalent to $5.83 per month). One-time readings: Love Reading $9.99, Year Ahead Reading $14.99.
Key features
Bill negotiation with AI agent that calls providers on user's behalf
Automatic subscription finding and tracking across all linked accounts
AI-generated budgets based on real spending with category alerts
Automatic transaction categorization and spending pattern analysis
AI-powered savings goals with target, timeline, and progress tracking
Expense splitting with partners and roommates for shared costs
Birth chart calculation with transparent astronomical placements
Private cosmic profile tracking sun, moon and rising signs
Daily, weekly and monthly insight cycles
AI-guided journaling with context-based memory
Permission-based long-term memory with edit and delete controls
Reflective AI responses and practical next steps
What makes it different
AI agent that actively negotiates bills on user's behalf rather than just tracking
Hands-off subscription cancellation where Cove contacts providers for Premium members
Natural language AI assistant to ask questions about spending and budget
Success-based pricing for bill negotiation—pay only if money is saved
Transparent separation of astronomical calculation from AI interpretation
Permission-based memory that is off by default
Reflection-focused guidance without fear-based predictions
Cove
Avenyora