AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Take control of your financial future
Stage
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MVP
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.
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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
Income and expense tracking with category organization
Monthly budget planning and multi-year history comparison
Financial dashboard with income, spending, and forecast
Spending analytics to explore trends and compare periods
Scheduled transactions for recurring income and payments
Transaction templates for quick recording
Transaction calendar browsing by day
Savings goals and stashes for money management
Financial notes for reminders and planning
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
No bank connection required; manual entry keeps your data private
Customizable groups and categories tailored to your needs
Progressive web app installable on phones and computers
Compare planned budgets against actual spending with color-coded indicators
Simple, ad-free design built for real-life money management
Cove
Budget Sense