Cove AI

Cove is an AI-powered money assistant from Splitify LLC, formerly known as Splitify, designed to help people understand and manage their finances in one place. Users can securely connect bank accounts, credit cards, investments, and loans to see a consolidated financial picture, including net worth that updates as accounts sync. Cove identifies recurring subscriptions and bills, displays their costs and upcoming charges, and sends reminders before credit card bills are due.

Its features include an AI assistant for questions about spending and affordability, budgets based on actual spending, category tracking, savings goals, and weekly summaries of spending, net worth changes, and upcoming bills. Cove also offers investment monitoring and financial insights. A bill-negotiation service is in beta; its AI agent contacts providers such as cable, internet, and phone companies to request lower rates, though it may not work for every bill.

Cove says connected accounts are read-only, data is encrypted in transit, and it does not sell user data. The service is available through mobile apps and on the web.