How Cove builds your budget automatically
Cove creates a budget from your real spending and separates recurring bills from discretionary spend — no blank spreadsheet.
CWritten by the Cove Team · Updated June 2026
Instead of guessing category limits from scratch, Cove looks at your actual spending over recent months and proposes a budget that reflects how you really spend.
Bills vs. discretionary
Cove separates predictable recurring bills from flexible day-to-day spending, so you can see what's truly left to spend after fixed costs.
Still need a hand?
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