AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
One number for spending
Stage
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Founded
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Based in
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US
Pricing model
Freemium
Paid
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.
$9.99/month or $69.99/year, first month free. No free tier. Billed through Apple App Store.
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
One weekly safe-to-spend number calculated from bills and savings goals
Automatic transaction tracking and categorization via Plaid
AI assistant Bob for personalized spending guidance
Leak detection to catch recurring habits and duplicate charges
Explanation of why your spending number changes
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
Simplicity - one number instead of complex category budgets
No manual categorization or maintenance required
AI-powered personalized coaching with Bob
Read-only bank connections that never store credentials
Cove
Pace