Cove vs Degroshi

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

Cove compared with Degroshi
Detail	Cove	Degroshi
What it does	AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place	Track all your money in one app: bank accounts, cards, cash, exchanges and crypto with summaries in hryvnia
Stage	Not given	Established
Founded	Not given	2021
Based in	Not given	UA
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.	Free tier available without credit card. Plus: 199 ₴/month or 1,999 ₴/year. Family: 399 ₴/month or 3,999 ₴/year (up to 5 people). Business: 599 ₴/month or 5,999 ₴/year for sole proprietors. Prices include taxes; annual plans offer approximately 2 months free.
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	Consolidate bank accounts, cards, cash and crypto in one dashboard Voice, text and receipt photo expense recording with Surikat AI Budget tracking with spending pace alerts Days Supply calculator on iPhone and Mac Annual spending heat map and analytics Shared spaces for families and couples Support for 8 crypto exchanges and wallets Multi-currency conversion to hryvnia AES-256-GCM end-to-end encryption
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	Voice and photo receipt expense recording with AI categorization Consolidated view of all money sources with single hryvnia conversion Days Supply metric showing days until money runs out End-to-end encryption with data stored only in EU No data selling or AI model training on user information
Community votes	0	0
DR (Domain Rating by Ahrefs)	9 +2 (up) since last check	Not checked yet no change since last check
Trust Flow (Majestic)	0	0
Citation Flow (Majestic)	10	0
Referring domains (Majestic)	6	0

4 details filled in for both companies.

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