AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
No spend tracker app for mindful spending
Stage
Not given
Startup
Founded
Not given
2026
Based in
Not given
CA
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 version available. Unspent More: 7-day free trial, then Monthly US$2.99 or Annual US$24.99
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
Track skipped purchases
See spending insights by category, merchant, and weekday
Set and track savings goals
Build streaks and earn achievements
Create quick logs for common skips
No bank connection required
Search and filter skips
Unlimited active goals
Ad-free experience with subscription
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
Tracks decisions not to spend rather than expenses already spent
Positive reinforcement approach instead of guilt-focused budgeting
Cove
Unspent