AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Know where your money actually goes
Stage
Not given
MVP
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 forever for tracking expenses and subscriptions. Pro: $2.99/week or $39.99/year (approximately $3/month, saves 80%). 3-day free trial for Pro.
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
Log expenses with photo receipt scanning
Subscription tracking with renewal alerts
Automatic cheaper alternative suggestions
AI money assistant (Penny) for spending questions
Monthly spending breakdowns and insights
Price drop notifications
Subscription savings analysis
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
Spot forgotten subscriptions before they drain your budget for months
Find exact savings when switching to cheaper subscription alternatives
Ask Penny questions about spending in plain language without charts or filters
Expense logging with no manual typing via receipt photos
Cove
tracked.