AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Budget app that shows what's coming so you can plan ahead
Stage
Not given
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Founded
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Based in
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US
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.
1-week free trial with full access. After trial: $9.99/month or $99.99/year (approximately $8.33/month, saves $19.89 versus monthly)
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
Bank account connections via Plaid (read-only)
Automatic transaction import and categorization
Recurring bill and subscription detection
Budget alerts and warnings before limit breaks
Savings goals funded by skipped expenses
Forward-looking spending projections
Voice-powered expense entry
AI-assisted expense categorization
iOS home screen widgets
Push notifications for renewals and budget alerts
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
Shows what's coming next with forward-looking spending projections
Automatically detects and tracks recurring bills and subscriptions
Voice-powered expense entry for quick cash tracking
Savings goals that accumulate from skipped expenses
Warns before charges hit with advance notifications
Cove
FloosYo