How long does it take to set up Cove?

Under two minutes. Choose whether you're an individual or a business, enter your details, and you're in. Business accounts can auto-fill company info using your VAT or business ID.

Is there a free plan?

Yes. Every account starts with a free trial — no credit card required. When it ends, your account switches to a free tier. Nothing gets deleted.

How does the AI email agent work?

Connect your Gmail, Outlook, Titan, or Zoho Mail with one click. Cove monitors your inbox in real time, detects invoices, receipts, and business documents, then extracts the key data — vendor, amount, currency, tax, due date — and files it automatically. You just review and approve.

Can Cove read my emails?

Cove connects via OAuth 2.0 with read-only access. It scans for business documents like invoices and receipts — it never sends, deletes, or modifies your emails. We never see or store your email password.

What integrations are available?

Gmail, Outlook, Titan, and Zoho Mail for AI document extraction. Stripe, PayPal, Lemon Squeezy, RevenueCat, and Polar are coming soon.

Is my data encrypted?

Yes. All connections use TLS encryption in transit. Your data is encrypted at rest at the database level. Stored credentials use AES-256-GCM, and secrets like API keys are hashed — never stored in plaintext.

Can I delete my account and all my data?

Yes. Full account deletion is available in Settings. It requires email verification for security. All files, records, and stored data are permanently removed — no traces left behind.

Invoices

Invoicing, expenses, HR, documents, clients, and taxes — unified in one AI-powered platform.

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Never Miss a Payment

Invoice due dates, tax filing deadlines, payroll cycles — Cove watches all of them and alerts you before anything slips.

Tax-Ready in 34 Countries

Live VAT rates, filing deadline alerts, VIES validation — Cove knows the rules for 34 countries so you don’t have to.

Zero Data Entry

Upload it. Done.

Drop a receipt or invoice and AI extracts every detail — vendor, amount, tax, due date — then sorts it into the right folder automatically. Bookkeeping that does itself.

Replace 6 Subscriptions

Invoicing, expenses, HR, tax compliance, file storage, analytics — stop paying for six apps that don’t talk to each other.

Everything your business needs

Eight core modules that replace your entire tool stack. From invoicing to HR, all connected under one roof.

Professional invoicing

Branded invoices with one-click sending and multi-currency support.

AI email agent

Invoices and receipts extracted from your inbox automatically.

Expense & revenue

Track every transaction. Deductions organized before tax season.

Tax compliance

VAT, GST, and income tax for 34 countries — rates, deadlines, validation.

Clients & products

Your entire client database and product catalog, always connected.

Human resources

Payroll, leave, contracts, and reviews — next to your finances.

Document storage

Upload, organize, search, and approve every business document.

Work calendar & reminders

See every deadline, meeting, and milestone — with timely reminders.

Plugs into the tools you already use.

No migration headaches. No workflow changes. Cove connects to your existing stack and makes it better.

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Built for businesses that want one tool, not ten.

Freelancers & Sole Proprietors: You’re the business, the accountant, and the HR department. Cove handles invoicing, expenses, tax deadlines, and document management so you can focus on the work that pays.
Small Business Owners: You’ve outgrown spreadsheets but not the desire for simplicity. Cove scales from your first invoice to managing employees, payroll, and inventory — all in one place.
Agencies & Service Firms: Multiple clients, recurring invoices, team management. Cove tracks revenue per client, manages your product catalog, and automates document extraction from your inbox.
EU-Based Businesses: Cross-border VAT, reverse charge handling, multi-country tax rates across 34 jurisdictions — compliance isn’t a feature, it’s a requirement. We built for that.

Everything they do. And everything they don’t.

Most tools solve one problem. Cove handles your finances, HR, documents, and clients — with AI doing the heavy lifting.

Features
Invoicing & billing	Included	Included	Included	Included
Expense tracking	Included	Included	Included	Included
Revenue tracking	Included	Included	Included	Basic
AI email agent	Included	Partial	Partial	Not included
Multi-country tax compliance	34 countries	Regional	Regional	US & CA
Deadline reminders	Included	Basic	Basic	Payroll
HR, payroll & leave	Built-in	Add-on	Regional	Add-on
Legal documents	Bulgaria	Not included	Not included	Not included
Document storage & approvals	Included	Advanced	Included	Not included
Client & product management	Included	Included	Basic	Basic
Business calendar	Included	Not included	Not included	Not included
Duplicate detection	Included	Basic	Bills only	Not included
Customizable workspace	Included	Not included	Basic	Not included
Free tier available	Included	Not included	Not included	Not included

vs. Cove

QuickBooks is powerful — but it’s built for accountants. No AI email agent, no HR or payroll without add-ons, no business calendar, and no document approval workflows. Cove gives you more out of the box, for less.

vs. Cove

Xero covers the basics well — but HR and payroll cost extra, there’s no AI email agent, no legal document generation, and no business calendar. Cove includes all of it natively.

vs. Cove

Wave is free and simple. When you need multi-country taxes, team management, AI document extraction, stock tracking, and a customizable workspace — Cove is the upgrade that doesn’t feel like enterprise software.