Frequently Asked Questions
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General
Kove is a personal finance platform that connects your accounts, tracks your spending, and gives you a clear picture of your financial life - all in one place. With built-in AI, budgeting tools, cash flow tracking, and goal setting, Kove helps you understand where your money is going and make better decisions with it.
Kove is for anyone who wants to feel more in control of their finances - whether you're building your first budget, managing multiple accounts, or just tired of not knowing where your money goes each month. If you've ever felt like your finances are running you instead of the other way around, Kove is built for you.
Yes. Every new account starts with a 7-day free trial. You'll need to add a payment method to begin, but you won't be charged until the trial ends. Cancel anytime before day 7 and you owe nothing.
Kove operates on a subscription model - users pay for access to the platform. We also partner with universities and employers who offer Kove as a financial wellness benefit to their communities. We don't sell your data. Ever.
A few key differences: Kove is built with data privacy as a core principle - we don't monetize your financial data or sell it to third parties. We're also priced to be accessible, without the steep subscription costs of some alternatives. Unlike legacy tools, Kove is designed around AI-powered insights that adapt to your actual financial behavior, not just categories you manually set up. And unlike many fintech platforms backed by private equity or venture capital, Kove is a student-led startup - we're not answerable to corporate investors, which means our priorities stay aligned with our users, not a board room.
Yes. Kove connects to your bank accounts through Plaid, a bank-level secure data aggregator used by thousands of financial apps. We never store your bank credentials - Plaid handles authentication directly with your institution. Your data is encrypted in transit and at rest, and we don't sell or share your financial information with third parties.
An institution is a financial provider — Chase, Capital One, Fidelity, and so on. You can connect as many accounts as you hold within a single institution and it only counts as one toward your plan limit.
- A checking and savings account at the same bank count as one institution
- A brokerage and 401(k) at the same provider (e.g. Fidelity) count as one institution
One thing to note: in some cases a bank’s standard banking services and its wealth management arm may be listed as separate institutions. You can check Plaid’s institution list for the full details on what’s available and how providers are classified.