Frequently asked questions

Cove is a personal finance app for iOS and Android that puts every account in one place. It tracks your spending, builds budgets automatically, finds and cancels unwanted subscriptions, negotiates your bills lower, tracks investments and net worth, and lets you split expenses with friends. Cove is free to download, with optional Premium features for more tools and support.

After you connect your accounts, Cove spots recurring charges and lists them in one place. Premium members can have Cove contact the provider and cancel the ones they don't want — hands-off.

You can view and track every subscription on the free plan. Hands-off cancellation, where Cove contacts the provider for you, is part of Premium.

Cove automatically categorizes each purchase and builds a budget from your real spending, separating recurring bills from discretionary spend. You can adjust categories and limits any time, and turn on alerts before you overspend.

Link your checking, savings, investment, loan, and credit accounts, and Cove subtracts what you owe from what you own — updating the total automatically as your balances change.

Tell Cove what you're saving for in plain English and its AI drafts a goal with a realistic target, timeline, and account. Cove tracks your progress automatically and nudges you at each milestone.

Connect or submit a bill like phone, internet, or cable, and Cove negotiates a lower rate with the provider on your behalf. A success-based fee applies only if Cove actually saves you money. Outcomes vary and savings aren't guaranteed.

Yes. Cove lets you split rent, trips, and shared subscriptions with a partner or roommates and settle up — without needing a separate app.

Cove connects to your accounts through Plaid, so your bank login is never seen or stored by Cove, and your data is encrypted in transit and at rest. We never sell your data. You can read the details on our Security page.

Premium includes unlimited linked institutions, bill negotiation, hands-off subscription cancellation, advanced investment insights, smart notifications, and priority support. You can view current pricing and upgrade directly in the app.

Yes — Cove is free to download and use with one linked institution. Premium is optional and unlocks unlimited accounts plus the features above.

Cove is available on iOS and Android, with a web companion at usecove.ai.