Cove vs Riloma

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.

Riloma makes shared expenses simple. Riloma is a shared expense tracker and bill splitting app for trips, roommates, friends, families, home, work, and any group that shares costs. Create a group, add an expense, choose who should share it, and Riloma keeps the numbers clear. See who paid, who owes, what has been settled, and what is still outstanding. SPLIT EXPENSES YOUR WAY • Create groups for trips, home, roommates, friends, work, and more • Add expenses and split them between the right people • Keep a clear record of who paid and who owes • Record settlements when someone pays you back • See group balances and shared expense history in one place • Add recurring expenses for regular shared costs SCAN RECEIPTS Use the receipt scanner to capture expense details faster. Review the details, make any changes you need, and add the expense to your group. MULTI-CURRENCY FOR TRAVEL Add expenses in different currencies when you travel or share costs across countries. Riloma helps keep the group record clear while handling currency conversion. TRACK SHARED CASH Virtual Wallet helps your group keep track of shared cash, contributions, and spending in one place. Virtual Wallet is for record keeping only. Riloma does not hold, receive, or transfer your money. UNDERSTAND YOUR SPENDING Spending insights help you see where shared money is going and understand your group expenses more clearly. KEEP GOING OFFLINE Add expenses even when you do not have an internet connection. Riloma can sync your updates when you are back online. MADE FOR EVERYDAY SHARED EXPENSES Use Riloma for: • Trips and vacations • Rent, groceries, and household bills • Roommate expenses • Meals and nights out • Office lunches and team expenses • Family and everyday shared costs Everyone in the group can work from the same shared record, making it easier to understand what was paid, what is still owed, and what has already been settled. Whether you are splitting a dinner bill, managing expenses with roommates, tracking a group trip, or sharing regular household costs, Riloma keeps everything together and easier to follow. Spend less time working out the numbers and more time getting on with your day. Some features and usage limits may require Riloma Pro. Support email: askcs@riloma.com Terms and Condition: https://riloma.com/terms-and-conditions/ Privacy Policy: https://riloma.com/privacy-policy/