AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Simple expense tracker app for daily spending
Stage
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Founded
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Based in
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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.
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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
Receipt scanner with OCR in 7+ languages
165+ currencies supported with automatic exchange rates
Multi-currency budgets with alerts and notification thresholds
Unlimited custom spending categories
Dashboard and reports with period comparison
GPS-based currency suggestions and repeat expense auto-fill
ChatGPT plugin for conversational expense tracking
Chrome extension for adding expenses from browser
iCloud sync, CSV import and export, Siri Shortcuts
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 bank connections or accounts required
All financial data stays on your device with no servers ever seeing your expenses
On-device receipt OCR without sending contents to servers
Cove
KashLog