AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Subscription clarity
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 for up to 5 subscriptions. Pro is a one-time purchase on each platform (iPhone and Windows).
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
Find subscriptions from screenshots and receipts
View yearly cost across different currencies
Track upcoming renewals and price changes
Sync between iPhone and Windows via iCloud
Categorize and organize subscriptions
Read bank statements and CSV files
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 account or bank login needed
All data stored locally on your device
One-time purchase instead of subscription for Pro
Finds subscriptions automatically from images and statements
Cove
Subvanta