Pricing

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

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

Join the Waitlist
Most Popular

Standard

$6.99/ mo

5 institutions included

Every Kove feature, nothing held back

Join the Waitlist

The difference between Standard tiers may also include additional features - such as recurring transaction tracking - rather than institution count alone. Which path we take will be confirmed during beta testing based on user feedback.

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

Additional Institution

Price:
$0.89/mo
Institutions:
1
Plaid:
-$0.25
Server & Infrastructure:
-$0.01
Email Services:
-$0.00
AI Tokens:
-$0.00
Labor:
-$0.04
Marketing:
-$0.00
Services:
-$0.15
Payment Processing:
-$0.33
Taxes:
-$0.09
Total Costs:
-$0.86

Need more institutions?

This cost multiplies with each additional institution you add beyond what’s included in your tier. For example:

  • 2 extra = $1.78/mo
  • 3 extra = $2.67/mo
  • 4 extra = $3.56/mo

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.