# Cove: Subscriptions & Bills — AI money assistant & reminders > AI assistant for tracking subscriptions, bills, and managing finances. (iPhone/iPad app by Splitify.) - Source: https://appshunter.io/ios/app/cove-subscriptions-and-bills/id6736849874 (this page in markdown: same URL + `.md`) - Developer: [Splitify](https://appshunter.io/developer/1773486322) - Category: Finance - Price: Free with in-app purchases - Rating: 4.40/5 from 7 App Store ratings · 3 written reviews indexed - Age rating: 4+ - Requires: iOS 17.6 · 78 MB - Languages: American English - Released: 2025-08-24 - Data updated: 2026-10-30 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/cove-subscriptions-and-bills/id6736849874/reviews.md ## What is Cove? Cove is your AI money assistant. It finds every subscription and bill in your accounts, shows what's coming up, and reminds you before your credit card bill is due. EVERY SUBSCRIPTION AND BILL, IN ONE LIST Link your accounts and Cove spots recurring charges for you: streaming, phone, internet, insurance, memberships. See what each costs per month and per year, and when it charges next. SEE WHAT'S COMING UP A calendar of upcoming charges, so the week rent and three renewals land together doesn't catch you off guard. A REMINDER BEFORE YOUR CARD BILL IS DUE Cove tells you before your credit card payment is due, so you don't pay late fees or interest you didn't plan for. ASK COVE Ask the built-in AI assistant about your spending, subscriptions and bills, in plain English. BUDGETS AND SPENDING Transactions are sorted for you. See spending by week, month, quarter or year, and set budgets and goals. LOWER A BILL (BETA) Cove can call your internet, cable or phone provider to ask for a lower rate. You only pay if it works: 40% of what you save in the first year. YOUR DATA Cove connects to your bank through Plaid with read-only access. It can see your transactions; it can't move your money. Terms of use - https://usecove.ai/terms Privacy policy - https://usecove.ai/privacy Your subscription will automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Manage your subscriptions in your Apple ID settings. ## Key features - Automatic subscription and bill detection - Upcoming charge calendar - Credit card bill payment reminders - AI-powered spending insights - Budget and goal setting - Bill negotiation assistance (beta) ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Discounted Premium Access 89.99 | $89.99 | per year | | Discounted Premium Access 1.00 | $1.00 | per month | | Premium Access 89 | $89.99 | per year | | Premium Access 11.99 | $11.99 | per month | | Premium Access 4.99 | $4.99 | per month | | Premium Access 6.99 | $6.99 | per month | | Premium Access 5.99 | $5.99 | per month | | Premium Access 8.99 | $8.99 | per month | | Premium Access 9.99 | $9.99 | per month | | Premium Access 7.99 | $7.99 | per month | | Premium Access 10.99 | $10.99 | per month | ## Is Cove safe? Not enough ratings yet to assess Cove. ## Is Cove legit? Cove: Subscriptions & Bills appears legitimate, with a few gaps. The AppsHunter Legitimacy Score for Cove is 65 out of 100 points across 7 verification signals from App Store and developer data. ## Recent user reviews (3 of 3) All indexed reviews: https://appshunter.io/ios/app/cove-subscriptions-and-bills/id6736849874/reviews.md ### 5/5 — My Favourite Finance App *2026-09-10* My favorite financial management app so far. I love how it combines easy expense tracking, smart AI insights, and seamless bill splitting in one simple, convenient app. ### 5/5 — Best personal finance app *2026-05-25* Cove is a clean, smart, and easy-to-use finance app. I love how it helps me track spending, subscriptions, investments, and cash flow in one place. The AI sidekick makes it even better by giving helpful insights into my money. Highly recommend! **Developer response:** Thank you so much for the kind words! We’re really glad Cove is helping you track your spending, subscriptions, investments, and cash flow in one place. We’re especially happy to hear you’re enjoying the AI Sidekick — we’re continuing to make it smarter and more helpful. Thanks for recommending Cove! ### 5/5 — Finally, Financial Clarity in One Place *2026-04-12* Splitify has been an absolute game changer for managing my business finances. Being able to see all of my business credit cards and accounts in one place has saved me so much time and stress. What really sets it apart is the AI sidekick—it’s helped me investigate and dive deeper into my finances in a way I never could before. Instead of just looking at numbers, I can actually understand trends, spot issues, and get clarity on where my money is going. It was especially helpful when reviewing the past year—everything was organized and easy to access, which made preparing for end-of-year financials and taxes so much smoother. If you’re running a business and need a simple, powerful way to stay on top of your finances, I highly recommend Splitify. It’s honestly been a lifesaver. **Developer response:** Thank you so much for this amazing review. We’re thrilled to hear that Splitify has made such a meaningful difference in managing your business finances. It’s especially great to know that having all your accounts in one place and using the AI Sidekick helped you better understand your financial trends, spot issues, and make year-end and tax preparation easier. We’ve also recently released even more updates, including investment monitoring and a broader set of AI-powered features, and we’re excited for you to check them out. Your support truly means a lot to us. ## Frequently asked questions about Cove ### How does Cove find my subscriptions and bills? Cove connects to your bank accounts through Plaid with read-only access. It analyzes your transaction history to identify recurring charges for subscriptions, memberships, and bills. ### What kind of subscriptions can Cove track? Cove can identify a wide range of recurring charges, including streaming services, phone plans, internet bills, insurance policies, and various memberships. ### Does Cove help me lower my bills? Yes, Cove offers a beta feature that can call your internet, cable, or phone provider to negotiate a lower rate. You only pay a percentage of the savings if the negotiation is successful. ### Is my financial data safe with Cove? Cove uses Plaid for secure, read-only access to your bank accounts. This means Cove can see your transactions but cannot move your money. ### What are the subscription plans for Cove? Cove offers several premium subscription tiers, with prices ranging from $4.99 to $7.99 per month. Many plans include a 7-day free trial. ### How often is Cove updated? The app was last updated on October 28, 2026, indicating ongoing development and support for the application. ### What devices does Cove support? Cove is available on iPhone and iPad devices, making it accessible for users within the Apple ecosystem. ### Does Cove have ads? Based on the provided data, Cove does not contain advertisements, allowing for an uninterrupted user experience. ## Version history (last 5 releases) ### 3.6.2 — 2026-10-28 Cove now has a dark mode. Open the side menu, tap Appearance, and choose Light, Dark or Auto to match your phone. We also fixed a few things: the notification count now sits in front of the bell, linking an account no longer flashes a blank white screen before Plaid opens, and the Invest allocation card now displays margin accounts correctly. ### 3.6.1 — 2026-09-27 See your money clearly across any time frame. Spending now supports Week, Month, Quarter, and Year, with a scrollable timeline for comparing income, spending, and net income. Explore your full history while viewing the transactions for the period you choose. We've also improved loading performance, kept charts steady as you switch periods, and made Coming Up easier to scan. ### 3.6.0 — 2026-09-02 Dark and light themes Bug fixes ### 3.5.1 — 2026-07-12 Bug fixes and Improvements ### 3.4.1 — 2026-06-28 Fixes and improvements ## Apps similar to Cove | App | Rating | Price | Category | | --- | --- | --- | --- | | [WalletWize: Track Money Better](https://appshunter.io/ios/app/walletwize-track-money-better/id6480011249) | 4.1 (36) | Free | Finance | | [Splitify - Split & Track Money](https://appshunter.io/ios/app/splitify-split-and-track-money/id6756657540) | 3.2 (5) | Free | Finance | | [Splitify - Split bills](https://appshunter.io/ios/app/splitify-split-bills/id6744057266) | — | Free | Finance | | [AI Expense Tracker: Aisance](https://appshunter.io/ios/app/ai-expense-tracker-aisance/id6739868546) | 4.2 (19) | Free | Finance | | [Lydia AI Budgeting Coach](https://appshunter.io/ios/app/lydia-ai-budgeting-coach/id6737857464) | 4.9 (24) | Free | Finance | | [Cash Coach AI: Money Tracker](https://appshunter.io/ios/app/cash-coach-ai-money-tracker/id6474867987) | 4.3 (20) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-30.*