AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Grocery Receipt Scanner & Spending Tracker
Stage
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Founded
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Based in
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Pricing model
Freemium
Freemium
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 download with 3 receipts; then $4.99/month or $39.99/year in the US (7-day trial for yearly); £4.99/month or £39.99/year in the UK.
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
Scan receipts with iPhone camera and OCR processing
Editable item and price review before saving
Categorize purchases automatically
Mark purchases as Essential or Optional
Share household history between two iPhones via QR code
Search history by category, store, and item
Export purchase data to CSV
Monthly PDF spending reports
iCloud sync for household data
Works without bank account connection
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
Sees individual grocery items instead of just merchant totals
No bank login or account connection required
User controls what is marked optional to identify potential savings
Open-source privacy core for audit and verification
Household sync without requiring a shared bank account or password
Cove