AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Every rupee you spend. Already in your inbox.
Stage
Not given
Startup
Founded
Not given
2025
Based in
Not given
IN
Pricing model
Freemium
Free
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.
Not given
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
Auto-track UPI, bank and card transactions from alert emails
Automatic transaction categorisation
Monthly budget tracking and alerts
Recurring subscription and bill detection
Net worth tracking with mutual funds and liabilities
Joint account support
Read-only Gmail connection
Manual transaction entry for cash spending
Per-bank transaction views
Coverage tracking with freshness labels
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
No SMS permission required, reads only bank alert emails
No bank login or Account Aggregator needed
Joint accounts included in single personal view
Automatic mutual fund CAS import from Gmail
Transparent coverage tracking with freshness indicators
Cove
Glass Money