How Opto Works

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.
Monthly Spending Trend
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
$152.43
Partner Owes
$152.43
The Capital Grille
$164.36
Dining Out • Oct 25
You
Partner
Pacific Gas & Electric
$95.10
Utilities • Oct 24
You
Partner
Uber 063015
$45.40
Entertainment • Oct 15
You
Partner
🏦 Connected Accounts
Total Net Worth
$79,415
Ready To Get Started
Ready To Get Started?

Join couples just like you on a path to peace of mind in how you manage money and work together to build the lives you and your partner want.