AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Envelope budgeting app for couples with shared household budgets
Stage
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Founded
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Based in
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Pricing model
Freemium
Free trial
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 for 60 days, then US$3.99/month or US$39.99/year. One subscription covers the whole household.
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
Envelope budgeting system
Real-time cloud sync across Android and web
Share budget with up to 5 household members
Expense tracking by envelope, account and payee
Monthly spending reports
Unlimited envelopes and accounts
CSV export
No credit card required for free trial
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
See the same numbers in real time across all devices
Cove
Budgetisto