| What it does | AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
| A private budget app that shows what you can safely spend
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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
| Free trial
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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.
| 7-day free trial, then monthly or annual subscription. Exact pricing shown in App Store or Google Play purchase flow.
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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
| - Freeflow Engine - shows what is actually usable after protecting bills, debt, and savings
- Cash Low Point Monitoring - projects how low available cash may fall before next paycheck
- Afford It Decision Tool - checks whether a purchase fits the financial plan
- Bill Reminders - track upcoming, due, paid, and overdue bills
- Debt Payoff Tools - snowball and avalanche calculations with interest savings
- Savings Goal Tracking - create and track progress on savings goals
- Reserved Cash - separate committed money from everyday spending
- Paycheck Planning - plan around income timing including irregular income
- Manual Budgeting - plan without connecting a bank account
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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 sync or bank credentials required - keeps financial data private and avoids broken connections
- Local-first architecture - financial data stored on device, never sold
- Looks forward to upcoming obligations instead of backward at past spending
- Shows safe-to-spend amount rather than just balance
- Manual budgeting keeps users close to their money
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| Community votes | 0 | 0 |
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| DR (Domain Rating by Ahrefs) | 9 ▲ +2 (up) since last check | 2 ● no change since last check |
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| Trust Flow (Majestic) | 0 | 0 |
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| Citation Flow (Majestic) | 10 | 20 |
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| Referring domains (Majestic) | 6 | 10 |
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Cove
Savern