AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Evidence-based Social Security claiming guidance to help you make confident retirement decisions
Stage
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Founded
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Based in
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Pricing model
Freemium
Free
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.
All calculators and educational resources are completely free with no sign-up required. A 30-day money-back guarantee applies to any digital product purchases.
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
Free calculator showing estimated benefits at claiming ages 62 to 70
Lifetime benefit totals and break-even point calculation
Free claiming checklist for retirement decisions
Spousal benefits calculator
Strategy guides for spousal coordination
Survivor benefits planning guide
Earnings test and benefit taxation guidance
Educational articles on Social Security topics
Personalized warnings based on user situation
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
Free and accessible to everyone regardless of wealth
Based on official SSA data and peer-reviewed research
Focused exclusively on Social Security claiming decisions
Synthesizes complex SSA rules into plain-language tools
Uses same formulas and calculations as Social Security Administration
Cove
Benefora