AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Independent AI shopping assistant to help you buy now, wait, or walk away
Stage
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Founded
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Based in
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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
Find products by needs and budget
Compare product offers across multiple stores
Check Amazon price history and trends
Verify real discounts against historical prices
Analyze aggregate review signals and rating patterns
Detect price manipulation and fake sales
Assess seller context and offer details
Multi-turn conversation for follow-up questions
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
Three clear verdicts instead of a forced yes
Permission to wait when evidence is insufficient
Completely free with no affiliate commission
Sellers cannot pay for better verdicts
Transparent evidence display with stated confidence and limits
Cove
TickClip