# Cove

> Cove (formerly Splitify) is an AI-powered personal finance app: it tracks spending, detects unwanted subscriptions and can cancel them (in beta), negotiates recurring bills (in beta), tracks investments and net worth, and lets people split shared expenses — in one app on iOS, Android, and the web at usecove.ai.

Cove connects to a user's bank, card, and investment accounts via Plaid, categorizes spending automatically, and builds budgets from real transaction history rather than manual entry. Its AI can negotiate recurring bills and cancel unwanted subscriptions on a user's behalf (both in beta), and answer plain-English questions about their spending, balances, and bills. Cove also exposes a read-only Model Context Protocol (MCP) connector so Claude can answer questions about a connected user's finances directly inside a Claude conversation, without Claude ever seeing the user's Cove or bank credentials.

## Product

- [Homepage](https://usecove.ai/): Overview of Cove and its core features.
- [Ask Your Money Anything](https://usecove.ai/ai-assistant): Cove's AI assistant for plain-English questions about spending and accounts.
- [Claude Integration (MCP)](https://usecove.ai/integrations/claude): Connect Cove to Claude via MCP (connector URL: https://api.usecove.ai/mcp) for read-only access to spending, subscriptions, balances, and negotiable bills.
- [Lower Your Bills](https://usecove.ai/lower-your-bills): Cove finds overpriced recurring bills and negotiates them down on the user's behalf. Bill negotiation is in beta.
- [Expense Splitting](https://usecove.ai/splitting): Split rent, trips, and shared bills with a partner or roommates.
- [Net Worth Tracker](https://usecove.ai/net-worth): Track assets, liabilities, and net worth over time.
- [Savings Goals](https://usecove.ai/goals): Set a savings goal in plain English and track progress automatically.
- [Subscription Tracker](https://usecove.ai/subscriptions): Finds every subscription on a user's bank and card accounts, shows what each costs a year, and can cancel the ones they don't want (cancellation in beta).
- [Recurring Expenses](https://usecove.ai/recurring-expenses): Every repeating charge (subscriptions, memberships and bills) in one list.

## Learn

- [What is Cove?](https://usecove.ai/learn/what-is-cove): A short tour of what Cove does.
- [Getting Started](https://usecove.ai/learn/getting-started): How to set up an account, connect a bank, and configure a budget.
- [Budgeting Best Practices](https://usecove.ai/learn/budgeting-best-practices): General budgeting guidance.
- [Best Bill Tracking Apps](https://usecove.ai/learn/best-bill-tracking-app): Which bill trackers also cancel subscriptions and negotiate bills.
- [Best Subscription Tracker Apps](https://usecove.ai/learn/best-subscription-tracker-apps): Automatic subscription trackers (bank-linked) compared with manual ones you fill in yourself.
- [How to Lower Your Internet Bill](https://usecove.ai/learn/how-to-lower-internet-bill): Eight practical ways to reduce an internet bill, including a call script.
- [FAQ](https://usecove.ai/faq): Common questions about budgeting, subscriptions, bill negotiation, goals, splitting, net worth, security, and Premium.
- [Help Center](https://usecove.ai/help): Full support documentation.
- [Security](https://usecove.ai/security): How Cove protects user data (Plaid-based bank connections, no stored bank credentials).

## Compare

- [Cove vs Rocket Money](https://usecove.ai/compare/rocket-money)
- [Cove vs Mint](https://usecove.ai/compare/mint-alternative)
- [Cove vs Monarch Money](https://usecove.ai/compare/monarch-money)
- [Cove vs Origin](https://usecove.ai/compare/origin-finance)
- [Cove vs YNAB](https://usecove.ai/compare/ynab)
- [Cove vs Copilot Money](https://usecove.ai/compare/copilot)

## Optional

- [Privacy Policy](https://usecove.ai/privacy)
- [Terms of Service](https://usecove.ai/terms)
- [Careers](https://usecove.ai/careers)