AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Free app that finds the best deals buried in your email inbox
Stage
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Founded
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Based in
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US
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.
Free to download and use. Up to $10 welcome reward as prepaid gift card after 90 days. No paid tiers or trials.
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
Scans Gmail promotions and surfaces best deals
Clears spam and expired offers from inbox
AI predicts when brands will discount next
Deal Locker tracking for watched products
Monitors 3,000 brands for sales patterns
Community deal sharing and alerts
Analyzes influencer codes for best offers
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
Real email discounts not available on public coupon sites
Community-powered deal intelligence with anonymization
Cove
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