See the month you're debt-free, then get there faster
AI-powered personal finance app that tracks spending, manages subscriptions, lowers bills, and grows net worth in one place
Stage
Not given
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Founded
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Based in
US
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Pricing model
Freemium
Freemium
Pricing
Free: payoff plan, snowball or avalanche strategy, projected debt-free month, reminders. Snowballer Plus: $4.99/month or $39.99/year with 14-day free trial.
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.
Key features
Snowball or avalanche debt payoff strategy
Projected debt-free month
Bank sync via Plaid
Spending tracking by typing, voice or receipt scan
Payment reminders
What-if scenario modeling
Custom payoff order
Data export
Account and data deletion
AI-generated coaching
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
What makes it different
Core payoff plan is completely free
Gets you to a debt-free date in about 10 seconds
Read-only bank sync that never sees your password
No budget categories or spreadsheets required
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
Snowballer
Cove