Budgeting & transactions
How Cove categorizes spending and builds your budget.
How Cove builds your budget automatically
Cove creates a budget from your real spending and separates recurring bills from discretionary spend — no blank spreadsheet.
Creating and editing your budget
Adjust category limits and turn on alerts so your budget fits your life.
Recategorizing a transaction
Fix a miscategorized transaction and optionally apply the change to similar ones.
Creating custom categories
Make your own spending categories when the defaults don't fit.
Setting up transaction rules
Automate categorization so recurring merchants always land in the right place.
Recurring bills vs. discretionary spending
Why Cove separates fixed bills from flexible spending, and how to use it.
How refunds show up in Cove
Refunds and reimbursements are handled so they don't distort your budget.
Hiding or excluding a transaction
Keep transfers and one-offs from skewing your budget and reports.
Adding a manual transaction
Record cash spending or anything Cove can't see automatically.
What is Safe-to-Spend?
A quick read on how much you can spend after bills and goals are covered.
Still need a hand?
Get Cove and see it work on your own money, or reach our team any time.