Launching July 1, 2026, join the waitlist to be notified

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Pricing

Every feature. Every plan. The only thing that changes is how many institutions you connect.

We’re currently in beta — prices shown are estimates and will be finalized in mid-June.

Access through a school or employer?

Plans

Simple tiers. Built to stay within reach.

Every plan includes

AI assistant & plain-language insights
Budgeting, tracking & visualizations
Goals & progress tracking
Bank-level security via Plaid
Delete your data anytime, instantly

Basic

$4.99/ mo

3 institutions included

Every Kove feature, nothing held back

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Standard

$6.99/ mo

5 institutions included

Every Kove feature, nothing held back

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Every feature that does not add provider cost is included for all users. Features with direct third-party fees - like recurring transaction tracking (about $0.15 per connected account via Plaid) - may be tier-limited, while no-cost features like retirement tracking and user comparisons stay available to everyone.

All prices are tax-inclusive.

Cost breakdowns are updated regularly to reflect current operating expenses. Pricing is subject to change during beta testing as we refine the product and learn what works best for our users. When our costs go down, yours do too - we pass up to 80% of savings directly back.

Transparency

See exactly where every dollar goes.

We publish our full cost breakdown inside the app and here. When our books are open, our incentives stay aligned with yours.

These are current beta-era estimates. Prices shown below may not match the tier prices above - we’re still refining during beta. As our operating costs decrease with scale, we pass savings back to you.

Individual Monthly

$4.99/ mo
Institutions:
3
AI Tokens:
20k/mo

Where it goes

Plaid:
-$2.70
Server & Infrastructure:
-$0.25
Email Services:
-$0.10
AI Tokens:
-$0.14
Labor:
-$0.25
Marketing:
-$0.10
Services:
-$0.15
Payment Processing:
-$0.44
Taxes:
-$0.50
Total Costs:
-$4.63

Individual Annual

$66.99/ yr
Institutions:
4
AI Tokens:
30k/mo

Where it goes

Plaid:
-$43.20
Server & Infrastructure:
-$3.00
Email Services:
-$1.20
AI Tokens:
-$2.52
Labor:
-$3.00
Marketing:
-$1.20
Services:
-$1.80
Payment Processing:
-$2.24
Taxes:
-$6.70
Total Costs:
-$64.86

Want to understand why we price things the way we do and what you can expect from us?

See Open Pricing →

No surprises. No fine print. Just a fair deal.

Launching July 1, 2026 — join the waitlist and we’ll notify you the moment you can sign up.