AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Your financial freedom day, counted down every midnight
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 with ads. Plus plan available yearly with free trial or one-time purchase option; price shown in app store.
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
Calculate financial freedom date from four inputs: age, savings, monthly investment, monthly spending
Three scenario dates: cautious, base, and optimistic
4% withdrawal rate by default or custom dividend yield input
Price it tool to show impact of purchases on freedom date
Home screen and lock screen countdown widgets
5% annual savings growth calculation after inflation
No account or bank linking required
Unlimited Price it and What if tools with Plus plan
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
Countdown widget shows days to financial freedom on home screen and lock screen
All data stays on your phone with no account or server required
Price it feature shows how purchases delay your freedom date in real time
Three estimate scenarios provided alongside the primary freedom date
Cove
Untilfree