| What it does | AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
| The AI-first financial app for gig workers
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| Stage | Not given
| Startup
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| Founded | Not given
| 2025
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| Based in | Not given
| US
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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 plan $0 per month. Pro $4.99 per month or $49.90 per year. Wealth Builder $9.99 per month or $99.90 per year. Annual billing is ten months. Optional managed portfolio carries a flat 0.25% per year of managed assets on paid plans only, billed monthly in arrears and deducted by custodian, not cha
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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
| - Multi-platform earnings tracking for Uber, DoorDash, Lyft, Instacart, Grubhub, Amazon Flex and others
- Automatic GPS-based mileage tracking with business vs personal mile classification
- AI-powered quarterly tax estimates and tax optimization
- Auto-save with automatic contributions from each payout
- Federal and state tax return preparation
- Qualified tips tracking and deduction up to $25,000
- PRActicle™ Roth IRA portable retirement account (coming soon)
- Bank-connected earnings dashboard with read-only access via Plaid
- AI Money Coach with tax tips and financial guidance
- Saver's Match rewards program for 2027
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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
| - Only platform combining auto-save, retirement savings, tax optimization, mileage tracking and multi-platform earnings in one app
- Built by gig workers who understand the gig economy firsthand
- Finds 1099 income from bank deposits that platforms don't report on 1099 forms
- No hidden fees, no data selling, read-only bank access for security
- Serves gig workers, payroll companies, fleets, and platforms with white-label solutions
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 9 ▲ +2 (up) 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 | 25 |
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| Referring domains (Majestic) | 6 | 42 |
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Cove
Gigaverse AI