Comparison

Luna vs Cove

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Luna

This app offers a manual expense tracking experience focused on curbing spending. It prioritizes a user-friendly interface and includes widgets and notifications to encourage consistent habit formation.

Highlights
  • Manual expense tracking
  • Spending curbing focus
  • User-friendly interface
  • Lockscreen/homescreen widgets
  • Reminder notifications
  • 14-day free trial
Features
Read full description

Luna is a budgeting app designed to help people curb spending and is built on 2 core principles - Completely manual (for your own good) - An incredible user experience (so that you don't mind it being so manual) We also have a lockscreen/homescreen widget + reminder notifications to help you get in the habit of tracking :) Try Luna for 14 days and then get a Luna Subscription for $4.99/mo ($49.99/yr or $149.99 lifetime) Learn more at https://lunabudgeting.com/ Terms of Service: https://lunabudgeting.com/tos Privacy Policy: https://lunabudgeting.com/privacy-policy

About

Cove

Gain intelligent insights into your spending with AI-powered analytics. Track expenses, set budgets, split bills, and monitor investments to take control of your finances. Identify and manage subscriptions to save money.

Highlights
  • AI-powered spending insights
  • Expense tracking and budgeting
  • Bill splitting and shared expenses
  • Investment portfolio monitoring
  • Subscription management
  • Bill reduction suggestions
Features
Read full description

Revolutionize the way you manage your money with Cove Get intelligent insights into your spending habits with AI-powered analytics, track your expenses, set budgets, and stay on top of your financial goals with ease. Easily split bills and shared expenses with friends, family, or colleagues—no more awkward calculations or forgotten debts. Go beyond everyday budgeting with powerful tools designed to give you a complete view of your financial life. Track your investments, monitor your portfolio performance, and stay informed with Market Watch so you can keep up with important market movements and trends. Identify recurring subscriptions, manage them in one place, and take action to cancel unwanted services more easily. Discover opportunities to lower your bills and reduce unnecessary spending so you can save more each month. With Cove, you can better understand where your money is going, make smarter financial decisions, and take control of your spending, saving, subscriptions, and investments—all in one app. 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

Luna4 screens
Cove4 screens

Verdict

The call

Luna and Cove both sit at 4.6 stars, but that hides the real split: 100% of Cove's written reviews are positive against 83% of Luna's. On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Luna sells 3 in-app purchases, starting at $4.99 per month and Cove sells 11 in-app purchases, starting at $1.00 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Luna holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 20 and 7 respectively. Written reviews complicate that: 83% of Luna's written reviews are positive against 100% of Cove's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Luna ships an update every 5 days, Cove weekly. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

Scorecard1 real difference · 9 level
Luna versus Cove: the parameters behind the verdict, then further details
ParameterLunaCove
PriceFreeFree
Rating4.6 (20 ratings) — better4.4 (7 ratings)
Positive reviews83.3% of reviews100.0% of reviews — better
Number of ratings20 — better7
Update frequencyEvery 5 days — betterWeekly
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFreemium
DevicesiPhoneiPhone, iPad — better
Requires iOS17.0 — better17.6
Further details — not scored
Size101 MB78 MB
Age rating4+4+
DeveloperAloaLabs, LLCSplitify

Customer experience

Luna

All ratings20 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews18 reviews
Positive83.3%
Neutral5.6%
Negative11.1%

Cove

All ratings7 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

Luna

Subscriptions2
  • Monthly Subscription$4.991 Month
  • Luna Yearly Subscription$49.991 Year
One-time1
  • Luna Lifetime Access$149.99
11 purchases

Cove

Subscriptions11
  • 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
Show 8 more
  • 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
  • Premium Access 11.997 Days trial$11.991 Month
  • Discounted Premium Access 89.991 Year trial$89.991 Year
  • Premium Access 897 Days trial$89.991 Year

Questions

Is Luna free?
Luna is free to download, with in-app purchases available.
Is Cove free?
Cove is free to download, with in-app purchases available.
Which has better reviews, Luna or Cove?
Luna is rated higher. Luna averages 4.6 out of 5 from 20 ratings, while Cove averages 4.4 from 7 ratings.
Do Luna or Cove have ads?
Neither Luna nor Cove shows ads.
Which is updated more often, Luna or Cove?
Luna ships an update every 5 days, and Cove weekly. Most recently, Luna was updated on September 23, 2026 and Cove on September 22, 2026.

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