AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Ask your money anything
Stage
Not given
MVP
Founded
Not given
Not given
Based in
Not given
US
Pricing model
Freemium
Not given
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.
Plus plan is free for beta members until 3 months after public launch; founding members who provide feedback keep Plus free for 6 months after launch.
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
Ask questions about your money
Run what-if financial scenarios
Link bank accounts read-only
View charts and financial insights
Account alerts via text message
Available on iPhone and Android
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
Answers come from your own linked accounts, not generic advice
Combines answer, chart, and next step all in one place
Founding members keep Plus plan free for 6 months after launch
Cove
BetterBudget