AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Your wealth, clearly shown
Stage
Not given
Not given
Founded
Not given
Not given
Based in
Not given
AE
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 includes everything with limits. PRO is an in-app purchase with higher limits, longer forecasts and advanced features.
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 net worth (Own minus Owe)
Monitor monthly cash flow (In minus Out)
Asset growth tracking with savings goals
Multi-currency support
iCloud sync across devices
Savings and investment growth visualization
Expense tracking without penny-by-penny recording
On-device data encryption with passcode or Face ID
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
Financial data stays on your device and in your own iCloud, never on company servers
Reduces financial complexity to two simple questions
Focuses on the psychology of debt reduction and stress relief
Emphasizes compound growth and consistent small contributions
Cove
WealthyPocket