AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Health and financial tools with accountability and community
Stage
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Founded
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Based in
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Pricing model
Freemium
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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.
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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
Fitness app with training programs and nutrition tracking
Weekly training plans and strength programs
PDF toolkit and educational resources
Financial advisor directory
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
Combines fitness accountability with financial and insurance education in one platform
Focused on people whose income depends on physical health with disability insurance guidance
Provides accountability systems that persist beyond initial setup
Covers practical insurance policy review and understanding over just sales
Cove
ThriveXDNA