Separate Ways vs Cove
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Separate Ways
This app provides specialized services for creating accurate divorce asset inventories and valuations. It handles appraisals for high-value items like real estate and retirement accounts, aiming to streamline legal processes and promote fair settlements.
- Divorce asset inventories
- High-end asset appraisals
- Real estate valuations
- Retirement account appraisals
- Litigation reduction
- Equitable distribution support
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Separate Ways specializes in precise divorce asset inventories and valuations, including appraisals of high-end assets, real estate, and retirement accounts. Our services and technology can significantly reduce litigation and ensure equitable distribution.
Cove
This AI-powered money assistant automatically tracks all your subscriptions and bills by linking to your accounts. It provides upcoming charge calendars, payment reminders, and helps you manage spending and set budgets. It can even negotiate lower rates on your bills.
- Automatic subscription and bill detection
- Upcoming charges calendar
- Credit card bill payment reminders
- AI-powered spending insights
- Budget and goal setting
- Bill negotiation service (beta)
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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.
Screenshots
Verdict
The clearest difference is in-app purchases: Separate Ways at none against Cove's 10. Separate Ways also leads on iOS requirement (14.0 vs 17.6). Cove's advantage is rating (4.4 vs 4.2). On price, review sentiment, ratings volume and update cadence there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Cove sells 10 in-app purchases, starting at $1.00 per month. Separate Ways asks for nothing beyond the download.
Cove holds the better App Store score, 4.4 against 4.2. Both are backed by a comparable volume of ratings — 5 and 7 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Separate Ways ships an update fortnightly, Cove weekly. The most recent releases landed on November 4, 2026 and November 8, 2026 respectively.
| Parameter | Separate Ways | Cove |
|---|---|---|
| Price | Free | Free |
| Rating | 4.2 (5 ratings) | 4.4 (7 ratings) — better |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 5 | 7 — better |
| Update frequency | Fortnightly | Weekly — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 14.0 — better | 17.6 |
| Further details — not scored | ||
| Size | 53 MB | 78 MB |
| Age rating | 17+ | 4+ |
| Developer | Separate Ways Inc | Splitify |
Customer experience
Separate Ways
Cove
In-app purchases
Separate Ways
No in-app purchases
Cove
- Discounted Premium Access 1.00$1.001 Month
- Premium Access 4.997 Days trial$4.991 Month
- Premium Access 5.997 Days trial$5.991 Month
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- Premium Access 6.997 Days trial$6.991 Month
- Premium Access 7.997 Days trial$7.991 Month
- Premium Access 8.997 Days trial$8.991 Month
- Premium Access 9.997 Days trial$9.991 Month
- Premium Access 10.997 Days trial$10.991 Month
- Discounted Premium Access 89.991 Year trial$89.991 Year
- Premium Access 897 Days trial$89.991 Year









