AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Personal finance guides in Spanish for the United States
Stage
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Founded
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Based in
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US
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
Loan search and comparison across multiple lenders
Educational guides on credit, ITIN, banking, insurance and remittances
Loan payment calculator
State-by-state filtering for loan options
Lender requirements comparison before application
Free credit score access information
Remittance cost comparison tool
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
Content entirely in Spanish for US Latino residents
Focus on ITIN and alternative credit documentation options
Shows lender requirements before you apply
Educational calculator that does not share data with lenders
Practical financial advice tailored to US banking with no SSN
Cove
Raíces Finanzas