| What it does | AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
| Budget app that shows what you can spend today
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| Stage | Not given
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| Founded | Not given
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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 to start with all features unlocked; then Monthly, Yearly (billed yearly, most common option), or Lifetime (one-time payment). Prices set by Apple App Store and Google Play and vary by country.
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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
| - Calculates what you can safely spend today
- Budgets over any period (month, fortnight, custom)
- Multiple accounts, transfers, and net worth tracking
- Recurring rules for rent, salary, and subscriptions
- Search and filters over every transaction
- CSV export of transactions
- Backup and restore via Google Drive, iCloud, or file
- App lock with passcode and biometrics
- Supports 165 currencies and 5 languages
- All data stays on device with optional backup only
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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
| - No bank connection—you manually add transactions, so no credentials to share and nothing to categorize incorrectly
- All data remains on your phone; nothing is uploaded without your permission
- Shows what you can spend today as one clear number derived from remaining funds and days until payday
- Free to start with all features unlocked; you choose whether to pay to continue adding transactions
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 7 ● no change since last check | 2 ● no change since last check |
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| Trust Flow (Majestic) | 0 | 1 |
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| Citation Flow (Majestic) | 10 | 19 |
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| Referring domains (Majestic) | 6 | 11 |
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Cove
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