AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Simple monthly budget app with zero-based planning and safe-to-spend categories
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
Not given
Pricing model
Freemium
Free trial
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.
7-day free trial
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
Monthly budget planning
Zero-based budgeting
Safe-to-spend category balances
Expense and income tracking
Move money between categories
Subscriptions tracker
Savings goals
Face ID protection
Multiple account support
Monthly spending insights
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
Before You Tap budgeting shows safe-to-spend amounts before purchase
Subscriptions tracker shows renewal dates and annual costs
Savings goals feature with target amounts and due dates
Flexible adjustments when life changes without guilt
Cove
Pigi