# Kove: Budget & Expense Tracker — Smart Budgeting, Simplified > Personal finance app for budgeting, expense tracking, and financial planning with AI. (iPhone/iPad app by Keane Financials LLC.) - Source: https://appshunter.io/ios/app/kove-budget-and-expense-tracker/id6808136959 (this page in markdown: same URL + `.md`) - Developer: [Keane Financials LLC](https://appshunter.io/developer/6808136961) - Category: Finance, Productivity - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 16.4 · 74 MB - Languages: American English - Released: 2026-10-08 - Data updated: 2026-10-31 - Monetization: free ## What is Kove? Kove is a personal finance app built to put your financial life first, not shareholders. Connect your accounts, build a real budget, and get an AI assistant that actually understands your numbers, all without ads or hidden fees. WHY KOVE Most finance apps make money by selling your data, burying you in ads, or charging premium prices for basic tools. Kove doesn't do any of that. You get real, premium-level features at a price that makes sense, and your data is never sold. WHAT YOU CAN DO See all your money in one place Securely connect your bank accounts, credit cards, and investments. Kove automatically syncs your balances and transactions so you always know where you stand. Build a budget that works Set up fixed and variable expense categories, track spending against your plan in real time, and see exactly where your money goes each month. Get help from Kove AI Ask Kove AI about your spending and get a personalized budget built around your actual income and expenses, with answers grounded in your real financial data, not generic advice. Track your net worth Watch your assets and debts move over time with a clear picture of your liquid and total net worth. Set and reach goals Create savings goals for anything, a vacation, an emergency fund, a big purchase, and track your progress automatically as you save. Plan for retirement Project your retirement readiness based on your actual contributions, timeline, and expected returns. Pay down debt faster Compare payoff strategies for your credit cards and loans, and see how extra payments change your timeline. SECURITY Kove uses Face ID, Touch ID, and multi-factor authentication to keep your financial data safe. Your data is never sold. Kove Finance is built by Keane Financials LLC. ## Key features - Connect bank accounts and credit cards - Build and track budgets - AI-powered financial insights - Monitor net worth - Set and track savings goals - Debt payoff planning - Retirement readiness projection ## Is Kove safe? Not enough ratings yet to assess Kove. ## Is Kove legit? Kove: Budget & Expense Tracker has limited verification signals. The AppsHunter Legitimacy Score for Kove is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Kove ### What is Kove? Kove is a personal finance app designed to help users manage their budgets, track expenses, and plan for financial goals. It offers features like account aggregation, AI-driven insights, and net worth tracking. ### Is Kove free to use? Yes, Kove is completely free to use. The app is available at no cost, and it does not feature any advertisements or hidden fees, ensuring a clean user experience. ### What devices does Kove support? Kove is available on multiple Apple devices, including the iPhone, iPad, and Apple Watch. This allows users to manage their finances across their preferred devices. ### How secure is Kove? Kove prioritizes security by using Face ID, Touch ID, and multi-factor authentication to protect your financial data. The app also explicitly states that user data is never sold. ### How often is Kove updated? Kove was last updated on October 29, 2026, with version 1.2.0. This indicates a recent update, suggesting ongoing development and support for the application. ### What kind of financial advice does Kove AI provide? Kove AI offers personalized budget recommendations based on your actual income and expenses. It provides answers grounded in your real financial data, rather than generic advice. ### Can Kove help with debt management? Yes, Kove includes features to help you pay down debt faster. You can compare different payoff strategies for your credit cards and loans and see how extra payments impact your timeline. ### What is the age rating for Kove? Kove has an age rating of 4+, making it suitable for a wide range of users. This rating indicates that the app is appropriate for children and adults alike. ## Version history (last 4 releases) ### 1.2.0 — 2026-10-29 Kove now comes to iPad, Apple Watch, and more of your home screen. • iPad support with a layout built for the bigger screen • Kove on Apple Watch: check your budget, categories, recent activity and net worth, plus budget complications for your watch face • New home screen widgets: Upcoming Bills, Goals, Recent Activity, and larger Budget and Net Worth sizes • Faster sign-in verification codes • Fixes and polish ### 1.1.5 — 2026-10-15 What's new in 1.1.5: Reconnect alerts: Home and Accounts now show when a bank connection needs attention, with a Reconnect button. Kove AI: new suggested questions, and spending and budget answers now match your Budget screen. Report a problem or share feedback right from Kove AI. Budget widget: categories turn amber as you near your plan and red once you go over. A bill paid exactly in full stays white. Home: Recurring and Recent activity now end with a See all link. Notifications are more reliable, and alerts now show while the app is open. A dismissed Long Term Budget notice now stays dismissed. Bug fixes and performance improvements. ### 1.1 — 2026-10-11 Kove 1.1 is our biggest update yet. Ask Siri about your money. "What's left for Groceries in Kove?" "When was my last coffee purchase in Kove?" "How much cash do I have in Kove?" "How much did I spend this week in Kove?" "How are my goals in Kove?" Quick answers about your budget, recent purchases, balances, bills and goals, without opening the app. Home Screen widgets. See what's left in your budget and your net worth at a glance. They match your Kove theme and turn amber or red as a category nears its limit. Faster everywhere. Long-press the Kove icon to add a transaction, review spending or ask Kove AI. Search your merchants and categories from Spotlight. Long-press any transaction to categorize, rename or ignore it. Make it yours. Choose a new app icon (Dark, Midnight or White). Kove also has dark and tinted icons for iOS 18 home screens. Smarter Spending. Pick any recent month, view the last 3 months at a glance, and load older history whenever you need it. More accessible. Full VoiceOver support, Larger Text up to 200%, and improved color contrast throughout. Plus haptic feedback, a more reliable sync, and many fixes and refinements. ### 1.0 — 2026-10-08 No release notes. ## Related topics [kove](https://appshunter.io/ios/topics/kove) --- *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 2026-10-31.*