| What it does | AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
| Free budget calculator for irregular income, multiple pay schedules and multi-currency budgets
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| Stage | Not given
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| Founded | Not given
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| Based in | Not given
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| Pricing model | Freemium
| Freemium
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| 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 calculator and free account (saves one budget). Clear Budget Plus: $4.99/month or $39.99/year (save 33% annually, equivalent to $3.33/month).
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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
| - Support for multiple pay frequencies: daily, weekly, biweekly, twice-monthly, monthly, annual and custom periods
- 27 currencies with live exchange rate conversion
- Exact contract dates and date ranges for income and expenses
- Automatic proration for partial periods
- Savings goals, emergency fund and investment growth tracking
- Financial picture showing income, expenses, what's left, goals and remaining balance
- No bank connection required
- Use without creating an account
- Bitcoin as a supported currency
- Multiple budgets and combined financial picture with Plus subscription
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| 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
| - Built specifically for irregular income and contract work, not traditional monthly salaries
- Accurate frequency conversion that treats biweekly and twice-monthly as distinct
- Per-row currency support allowing mixed currencies in one budget
- Privacy by design with no bank connection or automatic data sync
- Designed for people whose finances don't fit simple monthly templates
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 7 ● no change since last check | Not checked yet ● no change since last check |
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| Trust Flow (Majestic) | 0 | 0 |
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| Citation Flow (Majestic) | 10 | 4 |
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| Referring domains (Majestic) | 6 | 1 |
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Cove