How Opto Works
Three powerful features that transform how couples manage money together.
1
Chat & Create Charts
Skip the spreadsheets. Just ask Opto questions in plain English and watch it create dynamic charts and scenarios instantly. Perfect for planning your next big purchase or understanding spending patterns.
Natural language queries
Instant visualizations
Scenario modeling
Smart recommendations
2
Split Expenses Seamlessly
Never have another awkward money conversation. Opto automatically tracks shared expenses and splits them according to your rules. Settle up with one tap via Venmo.
Automatic detection
Custom split rules
Category tracking
One-click settlement
3
All Accounts in One Place
Connect every bank account, credit card, and investment in minutes. Get a complete view of your shared finances with real-time updates and bank-level security.
12,000+ institutions
Real-time syncing
256-bit encryption
Automatic updates
💬 Opto Chat Assistant
Show me how much I've spent over the last 4 months
Here's your spending breakdown for the past 4 months. I notice your spending increased by 15% in the most recent month.
What if we cut dining out by 30%?
Great question! If you reduce dining expenses by 30%, you'd save approximately $450 per month. That's $5,400 annually that could go toward your vacation fund! 🎉
💰 Split Expenses
Your Share
$0.00
Partner Owes
$505.40
Tectra Inc
$500.00
You
Partner
Madison Bicycle Shop
$500.00
You
Partner
Uber 063015
$5.40
You
Partner
🏦 Connected Accounts
Checking
$8,450
Chase Bank •••• 4891
Savings
$24,320
Ally Bank •••• 7234
Credit Card
-$1,245
Amex Platinum •••• 1009
Investment
$47,890
Vanguard 401(k) •••• 5567
Total Net Worth
$79,415
Ready To Get Started?
Join couples just like you on a path to peace of mind in how they manage money & work together to build the lives they want.